The 100 banks in BestCRE’s national ranking reported $1.80 trillion of commercial real estate loans as of June 30, 2026. That total includes $246.3 billion of construction and land loans, $457.0 billion of multifamily loans, $390.1 billion of owner occupied loans and $705.5 billion of investor nonfarm nonresidential loans. The ranking uses FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. Headquarters information is paired with the FDIC Summary of Deposits 2026. Together, these records provide a consistent view of each bank’s reported CRE book, its composition, annual change and concentration relative to total loans and equity capital.
The ranking is a starting point for borrowers, not a statement that every listed bank will finance every property or transaction. A large CRE book can indicate appetite and capacity to hold loans, while the category mix shows where a bank has been most active. Annual change identifies banks that are adding or reducing reported CRE balances. Concentration measures help put that activity in the context of the bank’s broader balance sheet. Bank lending remains relationship driven and local, so borrowers should consider branch presence, market coverage and an existing banking relationship before deciding which institutions to contact. BestCRE uses this national table as the hub for its state lender pages.
The 100 largest CRE bank lenders
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, N.A. | Columbus, OH | $179,847 | $18,789 | $107,317 | $14,363 | +4.6% | 11.5% |
| 2 | Wells Fargo Bank, N.A. | Sioux Falls, SD | $121,623 | $12,464 | $26,549 | $17,825 | +0.3% | 12.2% |
| 3 | Bank of America, N.A. | Charlotte, NC | $79,906 | $9,681 | $8,465 | $24,700 | +6.1% | 6.6% |
| 4 | Truist Bank | Charlotte, NC | $51,018 | $7,610 | $8,652 | $17,780 | +4.9% | 15.4% |
| 5 | U.S. Bank, N.A. | Cincinnati, OH | $50,718 | $9,378 | $14,458 | $9,005 | +10.2% | 12.3% |
| 6 | PNC Bank, N.A. | Wilmington, DE | $47,133 | $5,261 | $14,980 | $10,376 | +14.3% | 12.8% |
| 7 | First-Citizens Bank & Trust Company | Raleigh, NC | $38,808 | $7,338 | $2,967 | $16,840 | +0.9% | 25.7% |
| 8 | The Huntington National Bank | Columbus, OH | $37,932 | $5,322 | $4,884 | $13,331 | +109.8% | 19.8% |
| 9 | Pinnacle Bank | Nashville, TN | $36,789 | $5,890 | $4,865 | $9,453 | +123.7% | 41.5% |
| 10 | Flagstar Bank, N.A. | Hicksville, NY | $35,271 | $1,370 | $26,922 | $2,509 | -17.5% | 57.6% |
| 11 | Manufacturers and Traders Trust Company | Buffalo, NY | $34,665 | $3,351 | $7,115 | $10,556 | +0.6% | 24.2% |
| 12 | Fifth Third Bank, N.A. | Cincinnati, OH | $33,581 | $7,971 | $4,143 | $11,997 | +104.4% | 18.7% |
| 13 | TD Bank, N.A. | Wilmington, DE | $30,408 | $4,311 | $6,714 | $6,837 | -3.6% | 18.4% |
| 14 | Valley National Bank | Passaic, NJ | $30,353 | $2,484 | $9,034 | $7,688 | +5.2% | 57.8% |
| 15 | BMO Bank, N.A. | Chicago, IL | $28,802 | $4,486 | $3,158 | $8,136 | +3.8% | 20.3% |
| 16 | SouthState Bank, N.A. | Winter Haven, FL | $28,266 | $2,928 | $2,717 | $7,848 | +6.9% | 55.2% |
| 17 | Citizens Bank, N.A. | Providence, RI | $26,949 | $4,746 | $8,036 | $4,002 | -7.4% | 18.1% |
| 18 | Columbia Bank | Roseburg, OR | $26,361 | $2,030 | $10,274 | $6,893 | +36.5% | 55.8% |
| 19 | Citibank, N.A. | Sioux Falls, SD | $26,036 | $7,993 | $8,259 | $845 | +2.9% | 3.4% |
| 20 | Capital One, N.A. | Mclean, VA | $24,111 | $1,952 | $6,939 | $1,226 | -2.2% | 5.3% |
| 21 | Zions Bancorporation, N.A. | Salt Lake City, UT | $23,684 | $3,223 | $3,562 | $8,635 | +2.0% | 37.9% |
| 22 | Old National Bank | Evansville, IN | $23,021 | $2,446 | $5,855 | $5,966 | +3.2% | 45.3% |
| 23 | Webster Bank, N.A. | STAMFORD, CT | $22,551 | $1,695 | $7,695 | $2,434 | +5.8% | 39.0% |
| 24 | First Horizon Bank | Memphis, TN | $22,518 | $1,632 | $3,722 | $8,789 | +0.2% | 34.2% |
| 25 | East West Bank | Pasadena, CA | $21,796 | $814 | $4,606 | $3,434 | +5.6% | 37.0% |
| 26 | CIBC Bank USA | Chicago, IL | $18,426 | $2,120 | $3,990 | $4,438 | +22.1% | 42.5% |
| 27 | Bank OZK | Little Rock, AR | $18,141 | $6,943 | $2,545 | $852 | -16.1% | 55.7% |
| 28 | KeyBank, N.A. | Cleveland, OH | $17,153 | $2,896 | $5,445 | $3,010 | +1.5% | 15.3% |
| 29 | Santander Bank, N.A. | Wilmington, DE | $17,133 | $4,384 | $9,375 | $955 | -7.7% | 29.0% |
| 30 | City National Bank | Los Angeles, CA | $16,549 | $2,834 | $2,698 | $4,414 | +5.7% | 23.9% |
| 31 | Regions Bank | Birmingham, AL | $16,257 | $2,808 | $3,875 | $5,383 | +7.0% | 16.3% |
| 32 | Atlantic Union Bank | Richmond City, VA | $15,900 | $1,859 | $2,429 | $4,308 | +3.4% | 55.4% |
| 33 | Western Alliance Bank | Phoenix, AZ | $15,781 | $4,085 | $649 | $1,465 | -3.1% | 24.1% |
| 34 | UMB Bank, N.A. | Kansas City, MO | $15,713 | $2,927 | $1,725 | $5,005 | +2.5% | 38.2% |
| 35 | Provident Bank | Jersey City, NJ | $14,672 | $723 | $3,807 | $2,900 | +4.1% | 73.2% |
| 36 | United Bank | Fairfax, VA | $14,204 | $3,336 | $2,437 | $2,171 | +3.2% | 56.7% |
| 37 | Goldman Sachs Bank USA | New York, NY | $13,518 | $4,183 | $2,238 | $118 | +5.2% | 5.4% |
| 38 | Glacier Bank | Kalispell, MT | $12,859 | $2,660 | $1,076 | $3,928 | +19.2% | 60.1% |
| 39 | First National Bank of Pennsylvania | Greenville, PA | $12,016 | $2,660 | $885 | $3,308 | -4.7% | 33.4% |
| 40 | Banc of California | Los Angeles, CA | $11,904 | $1,867 | $5,882 | $1,509 | -11.4% | 47.4% |
| 41 | Renasant Bank | Tupelo, MS | $11,354 | $2,013 | $1,158 | $3,221 | +4.0% | 58.4% |
| 42 | BOKF, N.A. | Tulsa, OK | $11,334 | $1,488 | $2,046 | $3,796 | +5.2% | 41.8% |
| 43 | City National Bank of Florida | Miami, FL | $10,897 | $1,643 | $1,453 | $1,742 | +2.7% | 52.9% |
| 44 | Ameris Bank | Atlanta, GA | $10,821 | $1,703 | $2,010 | $1,895 | +5.6% | 47.8% |
| 45 | WesBanco Bank, Inc. | Wheeling, WV | $10,779 | $1,690 | $1,739 | $3,047 | +3.8% | 55.2% |
| 46 | Frost Bank | San Antonio, TX | $10,734 | $2,736 | $239 | $4,370 | +9.0% | 46.7% |
| 47 | Simmons Bank | Pine Bluff, AR | $10,727 | $2,575 | $812 | $2,358 | +5.1% | 59.3% |
| 48 | Associated Bank, N.A. | Green Bay, WI | $10,594 | $2,546 | $2,463 | $1,575 | +25.8% | 29.0% |
| 49 | Rockland Trust Company | Rockland, MA | $10,387 | $1,490 | $2,165 | $2,213 | +32.2% | 56.4% |
| 50 | Prosperity Bank | El Campo, TX | $10,365 | $3,144 | $680 | $2,593 | +19.1% | 41.4% |
| 51 | OceanFirst Bank, N.A. | Toms River, NJ | $10,244 | $739 | $2,361 | $1,612 | +74.7% | 62.9% |
| 52 | WaFd Bank | Seattle, WA | $10,190 | $1,329 | $4,647 | $1,125 | +0.3% | 50.4% |
| 53 | Fulton Bank, N.A. | Lancaster, PA | $10,083 | $885 | $1,563 | $3,553 | +0.1% | 41.3% |
| 54 | United Community Bank | Greenville, SC | $9,988 | $1,338 | $714 | $3,946 | +4.8% | 50.0% |
| 55 | Centennial Bank | Conway, AR | $9,940 | $2,780 | $1,270 | $1,838 | +12.5% | 58.3% |
| 56 | Eastern Bank | Boston, MA | $9,932 | $516 | $3,534 | $1,634 | +27.1% | 42.6% |
| 57 | Cathay Bank | Los Angeles, CA | $9,893 | $308 | $2,587 | $1,962 | +4.7% | 48.0% |
| 58 | Beacon Bank and Trust | Boston, MA | $9,595 | $379 | $2,239 | $1,785 | +229.8% | 53.8% |
| 59 | Morgan Stanley Bank, N.A. | Salt Lake City, UT | $9,473 | $259 | $701 | $213 | +6.4% | 8.2% |
| 60 | ServisFirst Bank | Birmingham, AL | $9,353 | $1,565 | $1,401 | $2,665 | +9.6% | 64.5% |
| 61 | Hancock Whitney Bank | Gulfport, MS | $9,315 | $1,359 | $1,274 | $3,354 | +12.5% | 37.8% |
| 62 | MidFirst Bank | Oklahoma City, OK | $9,265 | $1,068 | $1,009 | $2,689 | +1.5% | 27.6% |
| 63 | Citizens Business Bank, N.A. | Ontario, CA | $9,149 | $214 | $1,235 | $2,823 | +43.6% | 76.1% |
| 64 | TowneBank | Portsmouth, VA | $8,969 | $1,321 | $865 | $2,496 | +22.8% | 57.9% |
| 65 | Bank of Hope | Los Angeles, CA | $8,920 | $213 | $1,144 | $3,138 | +4.6% | 59.3% |
| 66 | ConnectOne Bank | Englewood Cliffs, NJ | $8,856 | $856 | $3,679 | $1,732 | +9.7% | 74.6% |
| 67 | BankUnited, N.A. | Miami Lakes, FL | $8,629 | $613 | $1,136 | $1,753 | +6.3% | 36.1% |
| 68 | First Interstate Bank | Billings, MT | $8,497 | $576 | $1,848 | $2,591 | -14.4% | 59.5% |
| 69 | Ally Bank | Sandy, UT | $7,995 | $519 | $98.0 | $4,527 | +18.5% | 5.6% |
| 70 | EverBank, N.A. | Jacksonville, FL | $7,983 | $110 | $4,856 | $311 | +9.7% | 21.5% |
| 71 | Popular Bank | New York, NY | $7,760 | $1,344 | $2,053 | $2,119 | +4.6% | 65.9% |
| 72 | Dime Commercial Bank | Hauppauge, NY | $7,619 | $83.6 | $3,116 | $1,648 | -10.7% | 71.2% |
| 73 | Banner Bank | Walla Walla, WA | $7,532 | $1,697 | $1,032 | $2,501 | +4.1% | 62.7% |
| 74 | Mechanics Bank | Walnut Creek, CA | $7,498 | $350 | $5,074 | $461 | +55.3% | 55.2% |
| 75 | Arvest Bank | Fayetteville, AR | $7,489 | $2,021 | $754 | $1,484 | +11.1% | 36.6% |
| 76 | Wilmington Savings Fund Society, FSB | Wilmington, DE | $7,355 | $989 | $1,183 | $1,856 | +2.7% | 54.5% |
| 77 | FirstBank | Nashville, TN | $7,096 | $1,158 | $768 | $2,153 | +39.1% | 54.3% |
| 78 | Seacoast National Bank | Stuart, FL | $7,004 | $858 | $481 | $2,053 | +20.5% | 53.2% |
| 79 | Morgan Stanley Private Bank, N.A. | Purchase, NY | $6,931 | $0.0 | $1,514 | $90.0 | -5.4% | 3.7% |
| 80 | Apple Bank | New York, NY | $6,824 | $0.0 | $4,339 | $0.1 | +2.0% | 49.4% |
| 81 | Merchants Bank of Indiana | Carmel, IN | $6,783 | $1,995 | $3,329 | $746 | +3.8% | 39.1% |
| 82 | Busey Bank | Champaign, IL | $6,480 | $1,027 | $1,090 | $1,433 | -2.0% | 49.1% |
| 83 | Customers Bank | Malvern, PA | $6,436 | $193 | $2,661 | $1,871 | +22.7% | 35.7% |
| 84 | Optum Bank, Inc. | Draper, UT | $6,412 | $88.0 | $2,048 | $49.0 | +28.3% | 64.4% |
| 85 | The Northern Trust Company | Chicago, IL | $6,399 | $713 | $1,489 | $1,012 | -0.8% | 14.6% |
| 86 | Metropolitan Commercial Bank | New York, NY | $6,358 | $482 | $414 | $3,139 | +17.1% | 86.7% |
| 87 | Trustmark Bank | Jackson, MS | $6,347 | $1,217 | $1,931 | $1,301 | -5.0% | 44.7% |
| 88 | Live Oak Banking Company | Wilmington, NC | $6,163 | $970 | $26.2 | $3,037 | +17.3% | 46.9% |
| 89 | Enterprise Bank & Trust | Clayton, MO | $6,154 | $663 | $384 | $2,386 | +5.3% | 51.7% |
| 90 | First United Bank and Trust Company | Durant, OK | $6,030 | $1,555 | $964 | $1,131 | +5.1% | 47.1% |
| 91 | First National Bank of Omaha | Omaha, NE | $6,021 | $1,882 | $610 | $1,515 | +6.7% | 24.6% |
| 92 | First Bank | Southern Pines, NC | $5,765 | $848 | $619 | $1,358 | +12.7% | 64.0% |
| 93 | Israel Discount Bank of New York | New York, NY | $5,735 | $610 | $1,205 | $1,601 | +4.2% | 57.5% |
| 94 | Axos Bank | San Diego, CA | $5,610 | $1,221 | $1,183 | $184 | +8.5% | 22.5% |
| 95 | First Merchants Bank | Muncie, IN | $5,523 | $881 | $767 | $1,369 | +30.5% | 35.4% |
| 96 | Burke & Herbert Bank & Trust Company | Alexandria, VA | $5,504 | $453 | $785 | $1,153 | +47.4% | 68.8% |
| 97 | The Central Trust Bank | Jefferson City, MO | $5,466 | $919 | $857 | $1,304 | +4.0% | 46.7% |
| 98 | Commerce Bank | Kansas City, MO | $5,365 | $1,498 | $290 | $1,425 | +8.2% | 25.7% |
| 99 | Bell Bank | Fargo, ND | $5,335 | $433 | $1,263 | $1,005 | +7.8% | 40.3% |
| 100 | First Hawaiian Bank | Honolulu, HI | $5,318 | $730 | $944 | $914 | +4.3% | 36.5% |
Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record.
The table begins with a wide separation among the largest portfolios. JPMorgan Chase Bank, N.A. reported $179.8 billion of CRE loans, including $107.3 billion of multifamily loans. Wells Fargo Bank, N.A. followed with $121.6 billion, led by $64.8 billion of investor nonfarm nonresidential loans. Bank of America, N.A. ranked third at $79.9 billion. Portfolio composition varies sharply farther down the table. Flagstar Bank, N.A. reported $26.9 billion of multifamily loans within a $35.3 billion CRE book, while Bank OZK reported $6.9 billion of construction and land loans within $18.1 billion. Growth also varied: Beacon Bank and Trust reported +229.8%, while Flagstar reported -17.5%. Concentration provides another distinction. Metropolitan Commercial Bank had CRE loans equal to 86.7% of total loans, while Citibank, N.A. reported 3.4%. Apple Bank’s investor CRE to equity ratio was 4.26x, high relative to other banks in the table.
Use portfolio size, growth and local presence to build a call list
Start with total CRE loans as a measure of reported portfolio scale. A larger book can show appetite for commercial real estate and capacity to hold loans, but it does not establish that a bank is active in every market or property type. Review the category columns before contacting a lender. A borrower seeking multifamily financing, for example, may find a bank with a smaller total CRE book but a more substantial multifamily balance more relevant than a higher-ranked institution whose portfolio is concentrated elsewhere.
Use annual change as a second screen. Positive growth shows that reported CRE balances increased, while a negative figure shows contraction. It does not explain the cause or confirm current credit availability. Then consider headquarters and local branch presence. Bank lending is relationship driven, and local coverage can influence which office handles a request. Borrowers can use the national ranking to identify institutions with scale, then consult BestCRE’s state pages and the FDIC Summary of Deposits 2026 to narrow the list to banks with a relevant local footprint.
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Tell Us About Your DealHow BestCRE Capital WorksLoan mix and concentration distinguish broad lenders from specialists
The four loan categories show where each institution’s reported CRE exposure sits. Construction and land reflects development-related balances. Multifamily captures apartment lending. Owner occupied loans are secured by properties used by the borrowing business, while investor nonfarm nonresidential covers income-producing commercial properties outside multifamily. Comparing these balances can separate diversified portfolios from books centered on one category. Mechanics Bank, for example, reported $5.1 billion of multifamily loans within $7.5 billion of total CRE loans, while Live Oak Banking Company reported $3.0 billion of owner occupied loans within $6.2 billion.
Two concentration measures add balance-sheet context. CRE share of loans compares the reported CRE book with total loans. The investor CRE to equity ratio compares construction, multifamily and non owner occupied nonfarm loans with total equity capital. Regulators watch concentration above roughly 3x of capital, but the ratio is not a lending quote or an approval threshold. A high figure relative to other banks in the table can signal that an institution may be selective about additional exposure. A low figure may indicate more balance-sheet room, but it does not establish appetite for a particular property, borrower or market.
Borrowers should compare bank and nonbank capital sources
The national table is not limited to banks headquartered in a borrower’s state. An institution based elsewhere may operate local branches, and its headquarters location alone does not define its lending territory. The FDIC Summary of Deposits 2026 can help identify branch presence. Borrowers should compare several banks because reported portfolio size cannot show current underwriting priorities, property eligibility or whether the appropriate lending team covers the market. Existing deposit and treasury relationships may also shape which banks are practical prospects, even when another institution ranks higher nationally.
Nonbank lenders do not appear in bank Call Reports. Debt funds, life companies, CMBS lenders, agency lenders and SBA lenders therefore sit outside this ranking even though they can be alternatives for commercial property financing. Each source serves a different part of the market, and the table does not compare their programs or terms. A borrower can use the bank ranking to identify institutions with relevant reported experience, then compare those candidates with suitable nonbank sources. Reviewing several sources provides a broader view of available capital than relying on a single rank, headquarters location or portfolio category.
Frequently Asked Questions
What loans count toward the BestCRE bank ranking?
BestCRE ranks total commercial real estate loans reported in FDIC Call Reports as of June 30, 2026. The total combines construction and land, multifamily, owner occupied and investor nonfarm nonresidential loans from schedule RC-C. Across the 100 ranked banks, those categories totaled $246.3 billion, $457.0 billion, $390.1 billion and $705.5 billion, respectively. The resulting table total was $1.80 trillion. The definition is intended to make bank portfolios comparable using standardized regulatory reporting. It does not include every loan secured by real estate, and it does not include loans held by nonbank lenders.
Why is JPMorgan Chase Bank, N.A. ranked first?
JPMorgan Chase Bank, N.A. ranked first because it reported the largest total CRE loan balance in the table at $179.8 billion as of June 30, 2026. Its portfolio included $18.8 billion of construction and land loans, $107.3 billion of multifamily loans, $14.4 billion of owner occupied loans and $39.4 billion of investor nonfarm nonresidential loans. Its reported CRE balance increased +4.6% year over year and represented 11.5% of total loans. The ranking reflects reported portfolio size only. It does not grade loan pricing, service, approval likelihood or suitability for a specific transaction.
Which ranked bank reported the fastest CRE growth?
Beacon Bank and Trust reported the largest positive year-over-year change shown in the table at +229.8%. Its total CRE loans were $9.6 billion as of June 30, 2026, including $378.6 million of construction and land loans, $2.2 billion of multifamily loans, $1.8 billion of owner occupied loans and $5.2 billion of investor nonfarm nonresidential loans. Annual growth is useful for identifying changes in reported balances, but it does not show the cause of the increase or confirm that the same pace continued after the reporting date. Borrowers should treat it as a directional screen rather than a current credit offer.
What interest rate context applies to this ranking?
The loan balances are dated June 30, 2026, while the benchmark rates are dated Oct 26, 2026. On that later date, the Prime rate was 7.00%, SOFR was 3.89%, the 5 year Treasury was 4.78%, the 10 year Treasury was 4.96% and Fed funds was 3.88%. These benchmarks provide market context but are not the rates offered by any bank in the ranking. FDIC Call Reports do not establish pricing for a particular borrower or property. Actual financing costs cannot be inferred from a bank’s rank, portfolio mix, annual growth or concentration figures.
How much of the bank CRE market does the table cover?
The 100 ranked banks reported $1.80 trillion of CRE loans as of June 30, 2026. All 4,167 banks reported $3.07 trillion. Those totals show that the table captures the largest individual bank portfolios while the broader market also includes many institutions outside the ranking. A bank below the cutoff may still be relevant in a specific state or local market. The national rank therefore measures reported volume, not the completeness of a borrower’s lender set. BestCRE’s state pages can provide a more geographically focused view, while FDIC Call Reports remain the underlying source for bank-level balances.
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BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.