Category: CRE Financing & Lending

Best Construction Loan Lenders in North Carolina 2026: Banks Ranked by Construction and Land Lending

Quick answerBestCRE ranks Bank of America, N.A. first among North Carolina headquartered banks, with $9.7 billion in construction and land loans. Truist Bank follows with $7.6 billion, and First-Citizens Bank & Trust Company has $7.3 billion. The ranking measures construction, land development and other land loans reported in FDIC Call Reports as of June 30, 2026. It shows the size of each bank’s portfolio, not specific loan availability, pricing or terms.

North Carolina’s construction lending market is led by three large banks headquartered in the state. Bank of America, N.A. reported $9.7 billion in construction and land loans, followed by Truist Bank at $7.6 billion and First-Citizens Bank & Trust Company at $7.3 billion. The ranked banks collectively held $29.0 billion in this category as of June 30, 2026. BestCRE ranks institutions by construction, land development and other land loans reported on schedule RC-C of the FDIC Call Reports. The main North Carolina bank page uses total commercial real estate loans instead, so its ordering can differ from this construction focused ranking.

The table includes banks headquartered in North Carolina and should be read as a measure of reported lending scale, portfolio mix, growth and concentration. It does not establish whether a bank is originating a particular property type or accepting a specific transaction. Bank lending is relationship driven and local, so borrowers should use the ranking to identify institutions for further discussion rather than treat position as an approval signal. The FDIC Summary of Deposits 2026 also identifies out of state banks with North Carolina branches. Those institutions are discussed separately because their Call Reports show loans across all states, not lending confined to North Carolina.

Prime rate 7.00%SOFR 3.89%5 year Treasury 4.78%10 year Treasury 4.96%Fed funds 3.88%Benchmarks as of Oct 26, 2026

North Carolina banks ranked by construction and land loans

Rank	Bank	Headquarters	Total CRE loans ($M)	Construction and land ($M)	Multifamily ($M)	Owner occupied ($M)	Change, 1 year	CRE share of loans
1	Bank of America, N.A.	Charlotte, NC	$79,906	$9,681	$8,465	$24,700	+6.1%	6.6%
2	Truist Bank	Charlotte, NC	$51,018	$7,610	$8,652	$17,780	+4.9%	15.4%
3	First-Citizens Bank & Trust Company	Raleigh, NC	$38,808	$7,338	$2,967	$16,840	+0.9%	25.7%
4	Live Oak Banking Company	Wilmington, NC	$6,163	$970	$26.2	$3,037	+17.3%	46.9%
5	First Bank	Southern Pines, NC	$5,765	$848	$619	$1,358	+12.7%	64.0%
6	The Fidelity Bank	Fuquay Varina, NC	$2,139	$474	$84.9	$958	+5.7%	73.1%
7	HomeTrust Bank	Asheville, NC	$1,922	$374	$131	$528	+2.9%	51.4%
8	First Carolina Bank	Rocky Mount, NC	$2,071	$325	$433	$271	-1.7%	75.5%
9	Providence Bank	Rocky Mount, NC	$987	$209	$107	$237	+9.4%	78.3%
10	Southern Bank and Trust Company	Mount Olive, NC	$1,818	$197	$121	$919	+10.2%	50.4%
11	Farmers & Merchants Bank	Granite Quarry, NC	$395	$166	$9.8	$61.9	+2.1%	73.1%
12	KS Bank, Inc.	Smithfield, NC	$484	$159	$13.5	$144	+23.8%	67.2%
13	Peoples Bank	Newton, NC	$731	$134	$46.0	$267	+11.3%	57.1%
14	North State Bank	Raleigh, NC	$649	$127	$56.3	$287	-0.3%	55.8%
15	Piedmont Federal Savings Bank	Winston Salem, NC	$328	$90.5	$33.8	$96.3	+31.7%	35.7%
16	Uwharrie Bank	Albemarle, NC	$338	$84.6	$9.4	$114	+2.7%	48.2%
17	BlueHarbor Bank	Mooresville, NC	$295	$67.2	$9.1	$81.2	+17.6%	55.0%
18	Triad Business Bank	Greensboro, NC	$274	$51.2	$7.2	$111	-1.3%	66.7%
19	Bank of Oak Ridge	Oak Ridge, NC	$353	$34.0	$30.3	$154	-3.7%	67.5%
20	Taylorsville Savings Bank, SSB	Taylorsville, NC	$35.8	$25.7	$0.0	$3.0	+23.5%	19.8%

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. Table shows the top 20 of 37 banks headquartered in North Carolina that hold this loan type.

The first three banks account for the largest construction and land portfolios in the table. Bank of America, N.A. leads with $9.7 billion, ahead of Truist Bank at $7.6 billion and First-Citizens Bank & Trust Company at $7.3 billion. Their broader CRE books differ in mix. Bank of America reports $37.1 billion of investor nonfarm nonresidential loans, while Truist reports $8.7 billion of multifamily loans and First-Citizens reports $16.8 billion of owner occupied loans. Among other banks, Live Oak Banking Company has $969.7 million in construction and land loans and CRE growth of +17.3%. KS Bank, Inc. reports +23.8%, while Piedmont Federal Savings Bank reports +31.7%. Concentration also varies. Bank of America reports investor CRE to equity of 0.23x, compared with 4.62x at KS Bank, Inc. and 4.02x at Providence Bank, both high relative to other banks in the table.

Out of state banks with branches in North Carolina

Bank	Headquarters state	Branches in North Carolina	Deposits in North Carolina ($M)	Total CRE loans, all states ($M)
Wells Fargo Bank, N.A.	South Dakota	217	$50,972	$121,623
PNC Bank, N.A.	Delaware	100	$13,209	$47,133
First National Bank of Pennsylvania	Pennsylvania	95	$8,848	$12,016
Fifth Third Bank, N.A.	Ohio	87	$7,754	$33,581
Pinnacle Bank	Tennessee	44	$7,698	$36,789
Banc of California	California	1	$7,086	$11,904
First Horizon Bank	Tennessee	78	$6,763	$22,518
TowneBank	Virginia	24	$5,251	$8,969
United Community Bank	South Carolina	37	$3,668	$9,988
JPMorgan Chase Bank, N.A.	Ohio	61	$2,948	$179,847

Source: FDIC Summary of Deposits 2026. Deposits and branches are for North Carolina only; CRE loans are bank wide.

Portfolio scale and recent growth help narrow a loan search

A larger CRE book can indicate greater appetite and hold capacity, while the construction and land balance shows the scale of the category being ranked. Borrowers can begin with banks whose reported portfolios fit the size and property context of a proposed transaction. Bank of America, N.A. has $79.9 billion in total CRE loans and $9.7 billion in construction and land loans. First Bank has $5.8 billion in total CRE loans and $847.9 million in the ranked category. Both may merit consideration, but the figures describe different portfolio scales rather than specific credit decisions.

Growth provides another screening measure because it identifies banks that are adding or reducing total CRE loans. Live Oak Banking Company reported +17.3% year over year CRE growth, First Bank reported +12.7%, and Southern Bank and Trust Company reported +10.2%. First Carolina Bank reported -1.7%, while Bank of Oak Ridge reported -3.7%. Borrowers should combine growth with portfolio size, mix and local relationships, then contact several banks to confirm current interest. Reported balances do not show whether an institution will pursue an individual request.

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Loan mix and concentration show different areas of activity

Construction and land lending is only one part of a CRE portfolio. The table also separates multifamily, owner occupied and investor nonfarm nonresidential loans. Truist Bank reports $8.7 billion in multifamily loans, $17.8 billion in owner occupied loans and $17.0 billion in investor nonfarm nonresidential loans. First-Citizens Bank & Trust Company reports $3.0 billion, $16.8 billion and $11.7 billion in those categories, respectively. These differences help borrowers see where reported balances are concentrated, although they do not describe current programs or underwriting terms.

CRE share of loans and investor CRE to equity provide additional context. First Bank reports a 64.0% CRE share of loans and investor CRE to equity of 2.48x. The Fidelity Bank reports 73.1% and 2.52x, while First Carolina Bank reports 75.5% and 3.95x. A high concentration relative to other banks in the table can signal that an institution may be selective, even when it has a meaningful construction portfolio. A lower ratio does not establish that credit is available. Borrowers should read concentration alongside scale, mix and growth rather than use it alone.

Out of state banks and nonbank lenders expand the comparison

Banks headquartered elsewhere also serve North Carolina through local branches, but their Call Reports combine lending across all states. Wells Fargo Bank, N.A., headquartered in South Dakota, has 217 North Carolina branches and $51.0 billion of deposits in the state, while reporting $121.6 billion in total CRE loans across all states. PNC Bank, N.A. has 100 branches, $13.2 billion of state deposits and $47.1 billion in total CRE loans across all states. First National Bank of Pennsylvania has 95 branches, $8.8 billion of state deposits and $12.0 billion in total CRE loans across all states.

Borrowers can also compare banks with debt funds, life companies, CMBS, agency and SBA lenders. These nonbank lender types do not appear in bank Call Reports, so this ranking is not a complete list of potential capital sources. Different sources may fit different property types, transaction structures or borrower circumstances, but the reported data does not establish which source will offer suitable terms. Comparing several banks and nonbank sources gives borrowers a broader view of available channels. Current conversations remain necessary because portfolio balances as of June 30, 2026 do not show later origination decisions.

Frequently Asked Questions

Which North Carolina bank has the largest construction and land loan portfolio?

Bank of America, N.A. ranks first among banks headquartered in North Carolina, with $9.7 billion in construction, land development and other land loans as of June 30, 2026. It also reports $79.9 billion in total CRE loans and holds national rank 3 by total CRE loans. Truist Bank is next in the state construction ranking with $7.6 billion, followed by First-Citizens Bank & Trust Company with $7.3 billion. Ranking first indicates the largest reported balance in this loan category, not confirmed availability for a particular project.

How is the North Carolina construction lender ranking calculated?

BestCRE orders banks headquartered in North Carolina by their reported construction, land development and other land loan balances. The figures come from FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C, as of June 30, 2026. The table contains 20 banks and represents $29.0 billion in construction and land loans. The FDIC Summary of Deposits 2026 is used to distinguish banks headquartered in the state from out of state institutions operating local branches. The ranking does not use quoted rates, proposed terms or unreported originations.

Which ranked bank recorded the strongest CRE growth?

Piedmont Federal Savings Bank reported the highest year over year CRE growth among the ranked banks at +31.7%. Its total CRE portfolio was $327.7 million, including $90.5 million in construction and land loans. KS Bank, Inc. reported +23.8% growth, while Taylorsville Savings Bank, SSB reported +23.5%. Growth measures the change in each bank’s total CRE loans, not only construction and land lending. It can help identify banks adding CRE balances, but it does not show which loans drove the change or whether current credit is available.

Why does the construction ranking differ from the main North Carolina bank ranking?

This page ranks banks by construction, land development and other land loans, while the main state page ranks them by total CRE loans. The categories can produce different ordering because each bank has a distinct portfolio mix. Farmers & Merchants Bank, for example, reports $395.2 million in total CRE loans and $165.6 million in construction and land loans. Bank of Oak Ridge reports a larger total CRE portfolio of $352.5 million but a smaller construction and land balance of $34.0 million. Borrowers should select the ranking that matches the type of lending scale they want to examine.

What interest rate benchmarks should construction borrowers monitor?

Common market benchmarks provide context for lender discussions, although they are not quoted bank loan rates. As of Oct 26, 2026, 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%. A bank’s reported construction and land balance does not reveal its pricing, spread, fees or rate structure. Borrowers should ask each potential source for current terms and compare the complete economics of any proposal rather than infer pricing from a bank’s rank or portfolio size.

More BestCRE lender rankings

Best CRE Lenders in North Carolina Best Multifamily Lenders in North Carolina Best Owner Occupied CRE Lenders in North Carolina Best CRE Lenders: the national top 100 Best construction loan lenders Best multifamily bank lenders Best owner occupied CRE lenders Fastest growing CRE bank lenders

CRE lenders by state

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.

October 27, 2026

Best Construction Loan Lenders in Georgia 2026: Banks Ranked by Construction and Land Lending

Quick answerBestCRE ranks Ameris Bank first among Georgia headquartered construction lenders, with $1.7 billion in construction, land development and other land loans. Vallant Bank follows with $383.5 million, Colony Bank with $286.9 million, Thomasville National Bank with $276.8 million and Georgia Banking Company with $269.7 million. The ranking measures this loan category reported in FDIC Call Reports as of June 30, 2026, rather than total commercial real estate lending or loans originated only in Georgia.

Georgia borrowers looking for construction financing can use this ranking to identify banks with meaningful exposure to construction, land development and other land loans. BestCRE ranks 20 banks headquartered in Georgia using FDIC Call Reports as of June 30, 2026. Together, the banks report $4.8 billion in construction and land loans within $22.1 billion of total commercial real estate loans. The table also shows multifamily, owner occupied and investor nonfarm nonresidential balances, along with year over year CRE change, CRE share of total loans, investor CRE to equity and national rank.

The ranking measures balance sheet exposure, not current loan quotes, approval standards or the geographic location of every property financed. Georgia has 122 banks headquartered in the state, holding $33.9 billion of total CRE loans and reporting +16.1% year over year CRE change. This page orders qualifying Georgia headquartered banks by construction and land balances, while the main state page orders banks by total CRE loans. Banks headquartered outside Georgia are excluded from this ranking even when they operate local branches. FDIC Summary of Deposits 2026 information helps identify those institutions separately.

Prime rate 7.00%SOFR 3.89%5 year Treasury 4.78%10 year Treasury 4.96%Fed funds 3.88%Benchmarks as of Oct 26, 2026

Georgia banks ranked by construction and land loans

Rank	Bank	Headquarters	Total CRE loans ($M)	Construction and land ($M)	Multifamily ($M)	Owner occupied ($M)	Change, 1 year	CRE share of loans
1	Ameris Bank	Atlanta, GA	$10,821	$1,703	$2,010	$1,895	+5.6%	47.8%
2	Vallant Bank	Elberton, GA	$1,688	$383	$92.6	$565	+95.5%	56.6%
3	Colony Bank	Fitzgerald, GA	$1,506	$287	$119	$439	+21.7%	60.5%
4	Thomasville National Bank	Thomasville, GA	$790	$277	$74.5	$213	+17.1%	42.6%
5	Georgia Banking Company	Atlanta, GA	$1,228	$270	$70.4	$267	+29.8%	47.4%
6	PrimeSouth Bank	Blackshear, GA	$660	$210	$39.8	$271	+21.7%	50.1%
7	United Bank	Zebulon, GA	$504	$201	$12.2	$142	+4.2%	53.3%
8	BankSouth	Greensboro, GA	$533	$175	$52.3	$97.7	+8.3%	42.9%
9	PeoplesSouth Bank	Colquitt, GA	$421	$142	$23.1	$90.8	+8.1%	48.2%
10	Queensborough National Bank & Trust Company	Louisville, GA	$702	$138	$12.2	$355	+6.1%	50.1%
11	Farmers and Merchants Bank	Lakeland, GA	$320	$133	$11.0	$86.0	+17.7%	51.6%
12	Community Bank of Pickens County	Jasper, GA	$366	$132	$8.2	$173	+8.2%	74.9%
13	First American Bank and Trust Company	Athens, GA	$499	$120	$49.9	$125	+15.5%	70.4%
14	Exchange Bank	Milledgeville, GA	$203	$112	$7.3	$45.5	+32.9%	66.2%
15	Peach State Bank & Trust	GAINESVILLE, GA	$298	$103	$24.9	$81.7	+7.4%	56.9%
16	Peoples Bank & Trust	Buford, GA	$178	$98.9	$0.0	$54.7	+15.9%	60.3%
17	First National Community Bank	Chatsworth, GA	$366	$87.3	$18.1	$151	-0.8%	67.8%
18	Bank of Newington	Newington, GA	$152	$79.4	$14.5	$44.5	+16.2%	57.3%
19	Affinity Bank, N.A.	COVINGTON, GA	$406	$76.5	$4.1	$158	+0.9%	54.3%
20	Barwick Banking Company	Barwick, GA	$442	$76.3	$16.3	$218	+28.1%	63.1%

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. Table shows the top 20 of 121 banks headquartered in Georgia that hold this loan type.

Ameris Bank is the clear balance sheet leader, reporting $1.7 billion in construction and land loans and $10.8 billion in total CRE loans. Its book also includes $2.0 billion of multifamily loans and $5.2 billion of investor nonfarm nonresidential loans. Vallant Bank ranks second with $383.5 million in construction and land loans and the table’s strongest reported CRE change at +95.5%. Colony Bank follows with $286.9 million and +21.7% growth. Mix varies substantially. Thomasville National Bank holds $276.8 million of construction and land loans within a $789.6 million CRE book, while Exchange Bank reports $111.9 million within $203.0 million. Concentration also differs. Community Bank of Pickens County reports a 74.9% CRE share of loans, while Thomasville National Bank reports 42.6%. PeoplesSouth Bank’s 4.20x investor CRE to equity ratio is high relative to other banks in the table.

Out of state banks with branches in Georgia

Bank	Headquarters state	Branches in Georgia	Deposits in Georgia ($M)	Total CRE loans, all states ($M)
Truist Bank	North Carolina	203	$68,680	$51,018
Bank of America, N.A.	North Carolina	130	$55,882	$79,906
Wells Fargo Bank, N.A.	South Dakota	179	$46,018	$121,623
Pinnacle Bank	Tennessee	102	$29,937	$36,789
JPMorgan Chase Bank, N.A.	Ohio	118	$13,750	$179,847
United Community Bank	South Carolina	62	$11,510	$9,988
Regions Bank	Alabama	117	$10,648	$16,257
Bank OZK	Arkansas	70	$9,621	$18,141
SouthState Bank, N.A.	Florida	44	$8,754	$28,266
Renasant Bank	Mississippi	71	$5,955	$11,354

Source: FDIC Summary of Deposits 2026. Deposits and branches are for Georgia only; CRE loans are bank wide.

Balance sheet measures can guide a construction loan search

A larger construction and land balance can indicate greater demonstrated appetite and hold capacity for this category. Total CRE size supplies additional context because construction lending sits alongside multifamily, owner occupied and investor nonfarm nonresidential loans. Ameris Bank reports $10.8 billion in total CRE loans, compared with $1.7 billion at Vallant Bank and $1.5 billion at Colony Bank. Those totals do not establish whether a bank will finance a particular request, but they help borrowers identify institutions already carrying material commercial property exposure.

Borrowers should read growth and concentration together with size. Positive CRE change shows which banks were adding overall CRE balances, while a high CRE share of loans or investor CRE to equity ratio can signal that a bank will be selective. Bank lending remains relationship driven and local, so a useful search includes several banks whose balance sheet mix resembles the proposed property and transaction. Borrowers can then ask each institution directly about current interest, required banking relationships and the information needed to evaluate a request.

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Loan mix identifies where each bank is most active

The category balances reveal different areas of activity. Ameris Bank reports $1.7 billion in construction and land loans, $2.0 billion in multifamily loans, $1.9 billion in owner occupied loans and $5.2 billion in investor nonfarm nonresidential loans. Thomasville National Bank reports $276.8 million in construction and land loans, compared with $74.5 million in multifamily and $225.6 million in investor nonfarm nonresidential loans. United Bank reports $200.7 million in construction and land loans within a $504.1 million CRE portfolio.

Concentration measures add another view of the balance sheet. Community Bank of Pickens County reports CRE equal to 74.9% of loans, while First American Bank and Trust Company reports 70.4% and First National Community Bank reports 67.8%. Investor CRE to equity ranges across the table, including 1.39x at United Bank, 3.03x at Georgia Banking Company and 4.20x at PeoplesSouth Bank. These figures describe portfolio composition and relative concentration. They do not show available proceeds, pricing or approval likelihood for a new construction loan.

Georgia borrowers have additional bank and nonbank options

Banks headquartered elsewhere can maintain substantial Georgia operations without appearing in this ranking. FDIC Summary of Deposits 2026 data show Truist Bank with 203 Georgia branches and $68.7 billion of deposits in the state. Wells Fargo Bank, N.A. has 179 branches and $46.0 billion of Georgia deposits, while Bank of America, N.A. has 130 branches and $55.9 billion. JPMorgan Chase Bank, N.A., Pinnacle Bank, Regions Bank and other out of state institutions also operate local branches and hold this loan type on their nationwide balance sheets.

Nonbank lenders provide another comparison set because debt funds, life companies, CMBS, agency and SBA lenders do not appear in bank call report rankings. Their presence does not change what the FDIC data show, but it broadens the sources a borrower may evaluate. Comparing several banks and nonbank categories can help establish which lender type is considering the relevant property, loan purpose and relationship. The ranked table is therefore a starting point for outreach, not a complete list of every construction financing source active in Georgia.

Frequently Asked Questions

Which Georgia bank has the most construction and land loans?

Ameris Bank ranks first among banks headquartered in Georgia, with $1.7 billion in construction, land development and other land loans as of June 30, 2026. It also reports $10.8 billion in total CRE loans, giving it a national rank of 44. The balance sheet includes $2.0 billion of multifamily loans, $1.9 billion of owner occupied loans and $5.2 billion of investor nonfarm nonresidential loans. The ranking establishes reported portfolio size, but it does not indicate whether Ameris Bank will approve a particular project.

How current is the Georgia construction lender ranking?

The ranking uses FDIC Call Reports dated June 30, 2026, specifically Reports of Condition and Income schedule RC-C. Branch and deposit context comes from the FDIC Summary of Deposits 2026. Market benchmarks are more recent, dated Oct 26, 2026: the Prime rate is 7.00%, SOFR is 3.89%, the 5 year Treasury is 4.78%, the 10 year Treasury is 4.96% and Fed funds is 3.88%. These benchmarks provide market context and are not quoted loan rates from the ranked banks.

Why does this ranking differ from a total CRE lender ranking?

This page ranks construction, land development and other land loans, which are only one part of a bank’s CRE portfolio. A bank can therefore rank highly by total CRE but lower by construction and land exposure. Queensborough National Bank & Trust Company, for example, reports $701.9 million in total CRE loans but $138.3 million in construction and land loans. United Bank reports a smaller $504.1 million total CRE book but a larger $200.7 million construction and land balance. BestCRE’s main Georgia state page ranks banks by total CRE loans instead.

Which Georgia construction lenders reported the fastest CRE growth?

Vallant Bank reports +95.5% year over year CRE change, the strongest figure among the ranked banks. Exchange Bank reports +32.9%, Georgia Banking Company reports +29.8% and Barwick Banking Company reports +28.1%. The statewide group of 122 Georgia headquartered banks reports +16.1% year over year CRE change. These percentages apply to total CRE portfolios, not solely construction and land loans. Growth identifies banks adding CRE balances during the reporting period, but it does not establish the source of that change or current availability for a new request.

Does a place in the table mean a bank lends only in Georgia?

No. Placement means the bank is headquartered in Georgia and reports a qualifying construction and land loan balance in its FDIC Call Report. The reported loans may not all be secured by properties in Georgia. Ameris Bank, headquartered in Atlanta, GA, reports $1.7 billion in construction and land loans and holds national rank 44. Conversely, an institution headquartered elsewhere can finance Georgia properties while remaining outside this table. The headquarters screen creates a consistent state ranking, but borrowers should confirm geographic interest directly with each lender.

More BestCRE lender rankings

Best CRE Lenders in Georgia Best Multifamily Lenders in Georgia Best Owner Occupied CRE Lenders in Georgia Best CRE Lenders: the national top 100 Best construction loan lenders Best multifamily bank lenders Best owner occupied CRE lenders Fastest growing CRE bank lenders

CRE lenders by state

October 27, 2026

Best Construction Loan Lenders in Arizona 2026: Banks Ranked by Construction and Land Lending

Quick answerBestCRE ranks Western Alliance Bank first among Arizona headquartered construction loan lenders, with $4.1 billion in construction and land loans. Goldwater Bank, N.A. follows with $88.1 million, while Southwest Heritage Bank reports $66.5 million. The ranking measures construction, land development and other land loans reported by banks headquartered in Arizona. It reflects FDIC Call Reports as of June 30, 2026, and covers one segment of each bank’s broader commercial real estate portfolio.

BestCRE’s ranking identifies the Arizona headquartered banks with the largest balances of construction, land development and other land loans. Western Alliance Bank leads with $4.1 billion, followed by Goldwater Bank, N.A. with $88.1 million and Southwest Heritage Bank with $66.5 million. The ranking is based on FDIC Call Reports as of June 30, 2026. It measures reported loan balances, not quoted terms, approval likelihood or the geographic location of every property financed. The table includes 11 banks with $4.3 billion in construction and land loans and $17.4 billion in total commercial real estate loans.

Construction and land lending is one part of a broader commercial real estate portfolio. The same banks report $770.6 million in multifamily loans, $2.0 billion in owner occupied loans and $10.3 billion in investor nonfarm nonresidential loans. Arizona headquartered banks reported a -1.7% year over year change in total CRE loans, while the top group accounted for 98.3% of state headquartered CRE balances. The main BestCRE Arizona bank ranking uses total CRE loans. This page instead orders banks by construction and land balances, helping borrowers identify institutions with reported exposure to development related lending.

Prime rate 7.00%SOFR 3.89%5 year Treasury 4.78%10 year Treasury 4.96%Fed funds 3.88%Benchmarks as of Oct 26, 2026

Arizona banks ranked by construction and land loans

Rank	Bank	Headquarters	Total CRE loans ($M)	Construction and land ($M)	Multifamily ($M)	Owner occupied ($M)	Change, 1 year	CRE share of loans
1	Western Alliance Bank	Phoenix, AZ	$15,781	$4,085	$649	$1,465	-3.1%	24.1%
2	Goldwater Bank, N.A.	Phoenix, AZ	$174	$88.1	$14.2	$14.9	+25.8%	38.1%
3	Southwest Heritage Bank	Scottsdale, AZ	$559	$66.5	$47.2	$152	+8.7%	79.1%
4	BNC National Bank	Glendale, AZ	$430	$35.1	$35.9	$144	+0.2%	58.9%
5	Gateway Commercial Bank	Mesa, AZ	$97.8	$22.7	$3.5	$53.1	+11.1%	64.4%
6	Gainey Business Bank	Scottsdale, AZ	$49.2	$13.3	$0.0	$14.9	+65.6%	51.1%
7	Integro Bank	Phoenix, AZ	$115	$10.4	$11.9	$73.7	+93.6%	70.3%
8	Zenith Bank & Trust	Scottsdale, AZ	$41.9	$3.6	$5.6	$12.3	+156.6%	54.4%
9	Mission Bank	Kingman, AZ	$36.7	$2.5	$1.1	$21.1	-4.0%	51.6%
10	Scottsdale Community Bank	Scottsdale, AZ	$26.8	$2.4	$1.5	$7.2	+67.8%	26.3%
11	West Valley National Bank	Goodyear, AZ	$42.7	$0.3	$1.0	$23.3	+3.6%	65.0%

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.

Western Alliance Bank is the clear balance leader, reporting $4.1 billion in construction and land loans within a $15.8 billion CRE portfolio. Goldwater Bank, N.A. ranks next with $88.1 million, and construction and land represents a prominent part of its $174.3 million CRE book. Southwest Heritage Bank reports $66.5 million in construction and land loans, alongside $293.5 million in investor nonfarm nonresidential loans and $152.2 million in owner occupied loans. Growth varies widely. Zenith Bank & Trust reports a +156.6% year over year change in total CRE, Integro Bank reports +93.6%, and Western Alliance reports -3.1%. Concentration also differs. Southwest Heritage Bank’s investor CRE to equity ratio is 3.33x, high relative to the table, while Mission Bank’s 1.20x is lower. These measures describe reported portfolio size, mix and concentration, not current credit terms.

Out of state banks with branches in Arizona

Bank	Headquarters state	Branches in Arizona	Deposits in Arizona ($M)	Total CRE loans, all states ($M)
JPMorgan Chase Bank, N.A.	Ohio	186	$50,163	$179,847
Wells Fargo Bank, N.A.	South Dakota	153	$39,359	$121,623
Bank of America, N.A.	North Carolina	104	$35,468	$79,906
Zions Bancorporation, N.A.	Utah	56	$7,281	$23,684
PNC Bank, N.A.	Delaware	75	$6,425	$47,133
BMO Bank, N.A.	Illinois	62	$4,962	$28,802
U.S. Bank, N.A.	Ohio	56	$4,926	$50,718
MidFirst Bank	Oklahoma	22	$4,421	$9,265
UMB Bank, N.A.	Missouri	13	$3,695	$15,713
Bell Bank	North Dakota	4	$2,163	$5,335

Source: FDIC Summary of Deposits 2026. Deposits and branches are for Arizona only; CRE loans are bank wide.

Portfolio size and growth help borrowers set a call list

A larger CRE book can indicate greater appetite and hold capacity, while the construction and land balance shows how active a bank has been in the category being ranked. Western Alliance Bank reports $15.8 billion in total CRE loans and $4.1 billion in construction and land loans. Goldwater Bank, N.A. has a smaller $174.3 million CRE portfolio, but $88.1 million is in construction and land. Borrowers can use those differences to identify banks whose reported portfolios resemble the financing need.

Growth adds another useful screen because it shows which banks are adding or reducing total CRE balances. Gainey Business Bank reports +65.6%, Gateway Commercial Bank reports +11.1%, and BNC National Bank reports +0.2%. Growth does not establish current approval standards or available capacity. Bank lending remains relationship driven and local, so a practical search should include direct conversations with multiple institutions about property type, location, sponsorship and the bank’s current interest.

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Loan mix and concentration show where reported activity is centered

The portfolio columns distinguish construction and land lending from multifamily, owner occupied and investor nonfarm nonresidential loans. Western Alliance Bank reports $9.6 billion in investor nonfarm nonresidential loans, compared with $4.1 billion in construction and land and $648.7 million in multifamily. BNC National Bank reports $143.7 million in owner occupied loans and $215.7 million in investor nonfarm nonresidential loans, compared with $35.1 million in construction and land. The mix helps borrowers see where each reported CRE book is concentrated.

CRE share of loans and investor CRE to equity provide additional context. Southwest Heritage Bank reports CRE equal to 79.1% of loans and an investor CRE to equity ratio of 3.33x, both high relative to several banks in the table. Western Alliance reports a 24.1% CRE share and a 1.80x ratio. A concentrated lender can still be active, but concentration can signal greater selectivity as the bank manages its existing exposure. These figures should therefore inform a call list rather than serve as a prediction of a credit decision.

Arizona borrowers have bank and nonbank alternatives

This ranking includes banks headquartered in Arizona. Banks based elsewhere can also lend in the state through local branches, but their FDIC Call Reports present loan balances across all states. JPMorgan Chase Bank, N.A. has 186 Arizona branches, $50.2 billion in state deposits and $179.8 billion in total CRE loans across all states. Wells Fargo Bank, N.A. has 153 branches, $39.4 billion in state deposits and $121.6 billion in total CRE loans across all states. Bank of America, N.A. has 104 branches and $35.5 billion in state deposits.

Other locally present institutions include Zions Bancorporation, N.A., PNC Bank, N.A., BMO Bank, N.A., U.S. Bank, N.A., MidFirst Bank, UMB Bank, N.A. and Bell Bank. Borrowers may also compare debt funds, life companies, CMBS, agency and SBA lenders. Those nonbank sources do not appear in bank call reports. Comparing multiple sources matters because lender type, portfolio mix and current capacity can affect whether a financing request fits, even when reported balances show substantial historical activity.

Frequently Asked Questions

What loans are included in the Arizona construction lender ranking?

The ranking covers construction, land development and other land loans reported by banks headquartered in Arizona. These balances are one component of commercial real estate lending and are separate from multifamily, owner occupied and investor nonfarm nonresidential categories. The 11 ranked banks report $4.3 billion in construction and land loans within $17.4 billion of total CRE loans. The ranking reflects outstanding balances as of June 30, 2026. It does not measure loan originations, applications, approvals, quoted pricing or property locations.

Does a higher rank mean a bank is more likely to approve my loan?

No. Rank measures the reported balance of construction and land loans, not approval probability or current underwriting terms. Western Alliance Bank ranks first with $4.1 billion, showing a substantially larger outstanding balance than the other Arizona headquartered banks in the table. A large balance can indicate appetite and hold capacity, but it can also mean the bank is managing significant existing exposure. Borrowers should treat rank as a screening tool and confirm current interest directly because bank lending is relationship driven and local.

How is this ranking different from the main Arizona bank ranking?

This page ranks Arizona headquartered banks by construction, land development and other land loans. The main state page ranks the same type of institutions by total commercial real estate loans. The distinction can materially change how a bank appears. Southwest Heritage Bank has $559.5 million in total CRE loans but $66.5 million in construction and land loans. Goldwater Bank, N.A. has a smaller $174.3 million total CRE portfolio but ranks ahead with $88.1 million in construction and land loans. Each ranking answers a different borrower question.

What does year over year CRE growth tell a borrower?

Year over year growth shows whether a bank’s total reported CRE balance increased or decreased, but it does not explain the cause or guarantee continued lending. Integro Bank reports +93.6% growth, while Zenith Bank & Trust reports +156.6%. Western Alliance Bank reports -3.1%, and Mission Bank reports -4.0%. These figures can help identify institutions that have recently added CRE loans, but borrowers should consider them alongside portfolio size, loan mix and concentration. A high growth rate from a smaller base does not make the portfolio larger than the leading balance holders.

What data and market rates support this research?

BestCRE uses FDIC Call Reports, formally Reports of Condition and Income, including schedule RC-C, together with the FDIC Summary of Deposits 2026. Loan balances are as of June 30, 2026. Market benchmarks as of Oct 26, 2026 were a 7.00% Prime rate, 3.89% SOFR, 4.78% 5 year Treasury, 4.96% 10 year Treasury and 3.88% Fed funds rate. These are market reference points, not the rates offered by any bank in the ranking. Actual bank pricing and terms are not reported in these datasets.

More BestCRE lender rankings

Best CRE Lenders in Arizona Best Multifamily Lenders in Arizona Best Owner Occupied CRE Lenders in Arizona Best CRE Lenders: the national top 100 Best construction loan lenders Best multifamily bank lenders Best owner occupied CRE lenders Fastest growing CRE bank lenders

CRE lenders by state

October 27, 2026

Best Construction Loan Lenders in New York 2026: Banks Ranked by Construction and Land Lending

Quick answerBestCRE ranks Goldman Sachs Bank USA first among New York headquartered banks, with $4.2 billion in construction and land loans, followed by Manufacturers and Traders Trust Company at $3.4 billion and Banco Bilbao Vizcaya, S.a. at $2.3 billion. Bank Hapoalim B.M. follows at $1.9 billion, while NorthEast Community Bank reports $1.4 billion. The ranking measures construction, land development and other land loans reported in FDIC Call Reports as of June 30, 2026.

Construction financing is a distinct part of commercial real estate lending, and a bank with a large overall property portfolio may not have an equally large construction book. BestCRE ranks New York headquartered banks by construction, land development and other land loans reported on schedule RC-C of their FDIC Call Reports as of June 30, 2026. The 20 banks in the table hold $22.9 billion in that category and $140.7 billion in total CRE loans. The table also shows multifamily, owner occupied and investor nonfarm nonresidential balances, allowing borrowers to compare construction exposure with the rest of each bank’s reported CRE portfolio.

The ranking covers banks headquartered in New York, not every institution that can finance a project in the state. New York had 108 headquartered banks with $197.5 billion in total CRE loans, while the main BestCRE state ranking orders those banks by total CRE rather than construction and land lending. Banks based elsewhere can also lend through New York branches, and nonbank lenders do not appear in FDIC Call Reports. The figures describe reported portfolio size, mix, growth and concentration. They do not describe current approval standards, pricing or available capacity for a particular transaction, which borrowers must confirm directly with each lender.

Prime rate 7.00%SOFR 3.89%5 year Treasury 4.78%10 year Treasury 4.96%Fed funds 3.88%Benchmarks as of Oct 26, 2026

New York banks ranked by construction and land loans

Rank	Bank	Headquarters	Total CRE loans ($M)	Construction and land ($M)	Multifamily ($M)	Owner occupied ($M)	Change, 1 year	CRE share of loans
1	Goldman Sachs Bank USA	New York, NY	$13,518	$4,183	$2,238	$118	+5.2%	5.4%
2	Manufacturers and Traders Trust Company	Buffalo, NY	$34,665	$3,351	$7,115	$10,556	+0.6%	24.2%
3	Banco Bilbao Vizcaya, S.a.	NEW YORK CITY, NY	$2,576	$2,268	$308	$0.0	+84.1%	6.6%
4	Bank Hapoalim B.M.	New York, NY	$2,983	$1,919	$1,064	$0.0	+20.0%	34.7%
5	NorthEast Community Bank	White Plains, NY	$1,764	$1,402	$327	$0.0	+5.8%	92.0%
6	The Bank of New York Mellon	New York, NY	$4,820	$1,383	$1,555	$0.0	-5.8%	10.3%
7	Flagstar Bank, N.A.	Hicksville, NY	$35,271	$1,370	$26,922	$2,509	-17.5%	57.6%
8	Popular Bank	New York, NY	$7,760	$1,344	$2,053	$2,119	+4.6%	65.9%
9	Ponce Bank, N.A.	Bronx, NY	$2,406	$813	$1,058	$62.9	+21.2%	82.7%
10	Bank of China	New York, NY	$1,891	$755	$1,137	$0.0	-5.6%	10.8%
11	Five Star Bank	Rochester, NY	$2,498	$654	$524	$355	+10.1%	52.5%
12	Israel Discount Bank of New York	New York, NY	$5,735	$610	$1,205	$1,601	+4.2%	57.5%
13	Tompkins Bank & Trust	Ithaca, NY	$3,302	$490	$776	$583	+6.5%	50.1%
14	Metropolitan Commercial Bank	New York, NY	$6,358	$482	$414	$3,139	+17.1%	86.7%
15	NBT Bank, N.A.	Norwich, NY	$4,692	$476	$1,496	$997	+1.9%	39.5%
16	Standard Chartered Bank, Plc	NEW YORK, NY	$594	$464	$130	$0.0	+38.6%	2.0%
17	Community Bank, N.A.	Canton, NY	$3,684	$355	$952	$837	+12.1%	32.6%
18	Pioneer Bank, N.A.	Albany, NY	$671	$210	$130	$92.5	+12.6%	35.3%
19	Deutsche Bank Trust Company Americas	New York, NY	$3,957	$195	$1,987	$0.0	-8.7%	25.5%
20	The Canandaigua National Bank and Trust Company	Canandaigua, NY	$1,512	$180	$341	$246	+5.1%	37.0%

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. Table shows the top 20 of 86 banks headquartered in New York that hold this loan type.

Goldman Sachs Bank USA leads with $4.2 billion in construction and land loans, ahead of Manufacturers and Traders Trust Company at $3.4 billion. Their broader portfolios differ: Goldman Sachs reports $13.5 billion in total CRE loans, while Manufacturers and Traders Trust Company reports $34.7 billion. Banco Bilbao Vizcaya, S.a. ranks third with $2.3 billion in construction and land loans and reports +84.1% CRE growth year over year. NorthEast Community Bank has $1.4 billion in construction and land loans, a 92.0% CRE share of loans and investor CRE equal to 5.02x equity. Flagstar Bank, N.A. also reports $1.4 billion in construction and land lending, but its $26.9 billion multifamily balance dominates its $35.3 billion CRE portfolio. Flagstar’s total CRE declined -17.5%, illustrating why construction balances, portfolio mix and recent direction should be reviewed together.

Out of state banks with branches in New York

Bank	Headquarters state	Branches in New York	Deposits in New York ($M)	Total CRE loans, all states ($M)
JPMorgan Chase Bank, N.A.	Ohio	576	$970,263	$179,847
Bank of America, N.A.	North Carolina	251	$127,455	$79,906
Citibank, N.A.	South Dakota	214	$108,336	$26,036
HSBC Bank USA, N.A.	Virginia	8	$106,878	$1,637
Wells Fargo Bank, N.A.	South Dakota	87	$55,236	$121,623
TD Bank, N.A.	Delaware	231	$54,791	$30,408
KeyBank, N.A.	Ohio	228	$32,116	$17,153
Capital One, N.A.	Virginia	76	$29,050	$24,111
Citizens Bank, N.A.	Rhode Island	170	$26,734	$26,949
Webster Bank, N.A.	Connecticut	76	$25,401	$22,551

Source: FDIC Summary of Deposits 2026. Deposits and branches are for New York only; CRE loans are bank wide.

Portfolio size and direction help borrowers build a call list

A larger construction and land balance can indicate demonstrated appetite and capacity to hold these loans, but it is a starting point rather than evidence that a bank will approve a particular project. Borrowers can use the ranking to identify institutions with meaningful reported exposure, then compare property type, location, loan size and relationship requirements directly. Growth adds another useful signal. Ponce Bank, N.A. reports $813.0 million in construction and land loans and +21.2% total CRE growth, while Five Star Bank reports $654.5 million and +10.1% growth. Those figures show which CRE books were expanding, without establishing the reason or whether that direction continued after June 30, 2026.

Bank lending remains relationship driven and local. A practical search should include several banks whose portfolio size and mix fit the proposed transaction, including institutions with headquarters near the project or an existing operating relationship. Total CRE size can suggest hold capacity, while the construction balance shows activity in the specific category ranked here. Manufacturers and Traders Trust Company has $34.7 billion in total CRE loans and $3.4 billion in construction and land loans. By comparison, Bank Hapoalim B.M. has $3.0 billion in total CRE loans, including $1.9 billion in construction and land loans. Direct discussions are still required to determine current interest and fit.

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Loan mix and concentration identify different areas of activity

The component balances show where each bank’s reported CRE exposure is concentrated. Goldman Sachs Bank USA pairs $4.2 billion in construction and land loans with $7.0 billion in investor nonfarm nonresidential loans, while Manufacturers and Traders Trust Company reports $10.6 billion in owner occupied loans and $13.6 billion in investor nonfarm nonresidential loans. Flagstar Bank, N.A. is more heavily represented in multifamily, with $26.9 billion against $1.4 billion in construction and land loans. Metropolitan Commercial Bank reports $3.1 billion in owner occupied loans, the largest component of its $6.4 billion CRE portfolio. These differences help borrowers identify banks whose reported activity resembles the financing need.

Concentration provides a separate view from dollar size. CRE represents 92.0% of loans at NorthEast Community Bank, 86.7% at Metropolitan Commercial Bank and 82.7% at Ponce Bank, N.A. Their investor CRE to equity ratios are 5.02x, 3.33x and 4.46x, respectively, which are high relative to several banks in the table. Goldman Sachs Bank USA reports a 0.22x ratio, The Bank of New York Mellon reports 0.16x and Deutsche Bank Trust Company Americas reports 0.40x. A concentrated institution may be selective even when it has a substantial CRE portfolio, so borrowers should treat concentration as a screening factor rather than a commitment signal.

Out of state banks and nonbank lenders broaden the search

The headquarters filter excludes major banks based elsewhere that maintain New York branches. JPMorgan Chase Bank, N.A., headquartered in Ohio, has 576 branches and $970.3 billion of deposits in New York, with $179.8 billion in total CRE loans across all states. Bank of America, N.A., headquartered in North Carolina, has 251 New York branches, $127.5 billion in state deposits and $79.9 billion in total CRE loans across all states. Wells Fargo Bank, N.A., headquartered in South Dakota, reports 87 branches, $55.2 billion in New York deposits and $121.6 billion in total CRE loans across all states. Those nationwide CRE totals are not New York construction balances.

Borrowers can also compare bank proposals with debt funds, life companies, CMBS lenders, agency lenders and SBA lenders. These sources do not appear in bank Call Reports and may evaluate transactions through different programs and structures. Comparing several sources matters because a large reported portfolio does not disclose current pricing, available proceeds, recourse or execution requirements. Market benchmarks can provide context for lender discussions: as of Oct 26, 2026, 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 are reference points, not quoted loan terms.

Frequently Asked Questions

Which New York bank has the most construction and land loans?

Goldman Sachs Bank USA ranks first with $4.2 billion in construction, land development and other land loans as of June 30, 2026. It reports $13.5 billion in total CRE loans, including $2.2 billion in multifamily loans, $118.0 million in owner occupied loans and $7.0 billion in investor nonfarm nonresidential loans. Its total CRE balance increased +5.2% year over year and represents 5.4% of total loans. The ranking reflects loans held on the bank’s balance sheet in its FDIC Call Report, not a measure of current originations or transaction availability.

Which ranked bank has the largest overall CRE portfolio?

Flagstar Bank, N.A. has the largest total CRE portfolio in the ranked table at $35.3 billion, slightly above Manufacturers and Traders Trust Company at $34.7 billion. Flagstar ranks seventh for construction and land lending with $1.4 billion, while its portfolio includes $26.9 billion in multifamily loans. Its total CRE balance changed -17.5% year over year, CRE represents 57.6% of its loans and investor CRE equals 4.02x equity. This illustrates that the largest overall CRE lender is not necessarily the largest construction and land lender.

How broad is the New York bank CRE market?

New York has 108 headquartered banks holding $197.5 billion in total CRE loans. Their combined balance changed -0.9% year over year, and the top five hold 50.0% of total CRE at state headquartered banks. For national context, all 4,167 banks report $3.07 trillion in total CRE loans. BestCRE’s construction ranking includes 20 New York headquartered banks with $140.7 billion in total CRE loans and $22.9 billion in construction and land loans. The coverage therefore focuses on the largest reported construction and land balances rather than every potential lender operating in New York.

Where do the rankings come from?

BestCRE uses FDIC Call Reports, formally the Reports of Condition and Income, including schedule RC-C, as of June 30, 2026. Branch and deposit information comes from the FDIC Summary of Deposits 2026. Call Reports classify loans held by each reporting bank into construction and land, multifamily, owner occupied, and investor nonfarm nonresidential categories. The figures describe balance sheet exposure at the reporting date. They do not show applications, approvals, commitments that have not been funded, loans sold from the balance sheet or lending activity by debt funds, life companies, CMBS, agency and SBA lenders.

Which banks reported the fastest CRE growth?

Among the ranked banks, Banco Bilbao Vizcaya, S.a. reports +84.1% year over year CRE growth, Standard Chartered Bank, Plc reports +38.6%, Ponce Bank, N.A. reports +21.2% and Bank Hapoalim B.M. reports +20.0%. Metropolitan Commercial Bank follows at +17.1%. Growth should be read with portfolio scale and mix. Banco Bilbao Vizcaya, S.a. reports $2.6 billion in total CRE loans, including $2.3 billion in construction and land loans, while Standard Chartered Bank, Plc reports $594.3 million in total CRE and $463.8 million in construction and land loans.

More BestCRE lender rankings

Best CRE Lenders in New York Best Multifamily Lenders in New York Best Owner Occupied CRE Lenders in New York Best CRE Lenders: the national top 100 Best construction loan lenders Best multifamily bank lenders Best owner occupied CRE lenders Fastest growing CRE bank lenders

CRE lenders by state

October 27, 2026

Best Construction Loan Lenders in Florida 2026: Banks Ranked by Construction and Land Lending

Quick answerBestCRE ranks SouthState Bank, N.A. first among Florida headquartered banks, with $2.9 billion in construction and land loans. City National Bank of Florida follows with $1.6 billion, and Seacoast National Bank ranks third with $858.2 million. The ranking measures construction, land development and other land loans reported in FDIC Call Reports as of June 30, 2026. It measures reported loan balances, not pricing, terms or current loan availability.

Florida borrowers seeking construction financing can use this ranking to identify banks with substantial reported exposure to construction, land development and other land loans. The table covers banks headquartered in Florida and orders them by that lending category as of June 30, 2026. It is narrower than BestCRE’s main state ranking, which orders banks by total commercial real estate loans. Headquarters matters because FDIC Call Reports disclose each bank’s consolidated loan portfolio across its operations, not loans originated within a particular state. A Florida headquarters therefore defines inclusion, while the reported balances show the size and composition of each institution’s overall commercial real estate book.

The ranked banks hold $82.0 billion in total CRE loans, including $8.6 billion in construction and land loans, $13.0 billion in multifamily loans, $18.4 billion in owner occupied loans and $42.0 billion in investor nonfarm nonresidential loans. Across all 79 banks headquartered in Florida, total CRE loans were $99.2 billion, up +8.0% from a year earlier. The top five accounted for 63.3% of that total. For context, FDIC Call Reports covered 4,167 banks with $3.07 trillion in total CRE loans. These figures describe balance sheet exposure and portfolio mix. They do not establish whether a bank is currently quoting a particular project or borrower.

Prime rate 7.00%SOFR 3.89%5 year Treasury 4.78%10 year Treasury 4.96%Fed funds 3.88%Benchmarks as of Oct 26, 2026

Florida banks ranked by construction and land loans

Rank	Bank	Headquarters	Total CRE loans ($M)	Construction and land ($M)	Multifamily ($M)	Owner occupied ($M)	Change, 1 year	CRE share of loans
1	SouthState Bank, N.A.	Winter Haven, FL	$28,266	$2,928	$2,717	$7,848	+6.9%	55.2%
2	City National Bank of Florida	Miami, FL	$10,897	$1,643	$1,453	$1,742	+2.7%	52.9%
3	Seacoast National Bank	Stuart, FL	$7,004	$858	$481	$2,053	+20.5%	53.2%
4	BankUnited, N.A.	Miami Lakes, FL	$8,629	$613	$1,136	$1,753	+6.3%	36.1%
5	Amerant Bank, N.A.	Coral Gables, FL	$3,128	$536	$257	$745	-14.8%	45.6%
6	Ocean Bank	Miami, FL	$5,191	$317	$877	$780	+10.9%	83.5%
7	Capital City Bank	Tallahassee, FL	$921	$245	$45.6	$340	-6.7%	36.3%
8	Emigrant Bank	Miami, FL	$1,218	$225	$535	$0.0	-13.8%	30.6%
9	Banesco USA	Miami, FL	$1,782	$162	$188	$353	+5.9%	45.0%
10	Climate First Bank	Saint Petersburg, FL	$673	$136	$28.5	$165	+70.3%	40.1%
11	Pacific National Bank	Miami, FL	$713	$114	$68.4	$78.9	+11.5%	73.1%
12	Banco do Brasil Americas	Miami, FL	$473	$112	$12.2	$44.8	+36.4%	21.6%
13	EverBank, N.A.	Jacksonville, FL	$7,983	$110	$4,856	$311	+9.7%	21.5%
14	Newtek Bank, N.A.	Miami, FL	$1,040	$106	$155	$569	+90.5%	50.7%
15	Cogent Bank	Orlando, FL	$724	$101	$28.7	$300	+7.4%	39.6%
16	Bank of Central Florida	Lakeland, FL	$511	$98.0	$22.4	$163	+9.8%	60.6%
17	The Bank of Tampa	Tampa, FL	$1,126	$94.6	$76.0	$556	+11.1%	54.2%
18	Mainstreet Community Bank of Florida	Deland, FL	$479	$87.6	$17.1	$214	+33.3%	65.4%
19	One Florida Bank	ORLANDO, FL	$955	$84.1	$22.3	$297	+8.3%	56.9%
20	Sanibel Captiva Community Bank	Sanibel, FL	$338	$69.9	$4.6	$131	-0.4%	40.5%

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. Table shows the top 20 of 76 banks headquartered in Florida that hold this loan type.

SouthState Bank, N.A. leads with $2.9 billion in construction and land loans and $28.3 billion in total CRE loans. City National Bank of Florida follows at $1.6 billion, while Seacoast National Bank reports $858.2 million and +20.5% CRE growth. Portfolio mixes differ materially. EverBank, N.A. holds $4.9 billion in multifamily loans but only $110.0 million in construction and land loans. Ocean Bank reports an 83.5% CRE share of loans and a 6.01x investor CRE to equity ratio, both high relative to the other banks in the table. Growth also varies. Newtek Bank, N.A. reports +90.5%, Climate First Bank reports +70.3%, and Amerant Bank, N.A. reports -14.8%. The ranking therefore identifies construction and land balance leaders, while the accompanying columns show broader CRE scale, recent direction and concentration.

Out of state banks with branches in Florida

Bank	Headquarters state	Branches in Florida	Deposits in Florida ($M)	Total CRE loans, all states ($M)
Bank of America, N.A.	North Carolina	414	$170,340	$79,906
Wells Fargo Bank, N.A.	South Dakota	458	$90,649	$121,623
JPMorgan Chase Bank, N.A.	Ohio	431	$79,038	$179,847
Truist Bank	North Carolina	441	$74,511	$51,018
Regions Bank	Alabama	270	$26,368	$16,257
Citibank, N.A.	South Dakota	56	$22,349	$26,036
PNC Bank, N.A.	Delaware	196	$21,032	$47,133
TD Bank, N.A.	Delaware	159	$20,510	$30,408
Fifth Third Bank, N.A.	Ohio	218	$19,346	$33,581
Pinnacle Bank	Tennessee	85	$12,231	$36,789

Source: FDIC Summary of Deposits 2026. Deposits and branches are for Florida only; CRE loans are bank wide.

The ranking is a starting point for a construction loan search

A large construction and land balance can indicate demonstrated appetite for the category and greater capacity to hold loans, but it does not confirm availability for a particular request. Borrowers should compare that balance with the bank’s total CRE book, property mix, recent growth and headquarters. SouthState Bank, N.A., for example, combines $2.9 billion in construction and land loans with $28.3 billion in total CRE loans. Capital City Bank has a smaller $920.5 million CRE book, with $245.5 million in construction and land loans.

Bank lending is relationship driven and local. Borrowers can use the ranking to build a call list, then ask each institution whether the project fits its current credit parameters. The size of the CRE book helps indicate appetite and hold capacity. The mix identifies the categories in which reported balances are largest. Year over year change shows which banks are adding or reducing CRE loans, while concentration can indicate that a bank may be selective. Actual fit still depends on the property, location, borrower and requested structure, none of which appears in Call Reports.

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Loan mix and concentration reveal different balance sheet profiles

Construction lending is only one part of each bank’s CRE portfolio. City National Bank of Florida reports $1.6 billion in construction and land loans, $1.5 billion in multifamily loans and $6.1 billion in investor nonfarm nonresidential loans. BankUnited, N.A. reports $612.7 million in construction and land loans, compared with $1.1 billion in multifamily and $5.1 billion in investor nonfarm nonresidential loans. These differences show where reported balances are concentrated without establishing future origination priorities.

The CRE share of loans and investor CRE to equity ratio add context about concentration. Ocean Bank’s CRE share is 83.5%, and its investor CRE to equity ratio is 6.01x, high relative to the table. Capital City Bank reports a 36.3% CRE share and a 1.10x ratio, both lower by comparison. A concentrated bank can still be an active lender, but concentration may contribute to selectivity. Borrowers should read these measures alongside growth: Mainstreet Community Bank of Florida reports +33.3% CRE growth, while Emigrant Bank reports -13.8%.

Florida borrowers also have out of state and nonbank options

This table excludes banks headquartered elsewhere, even when they maintain substantial Florida branch networks. Wells Fargo Bank, N.A., headquartered in South Dakota, has 458 branches in the state, $90.6 billion in Florida deposits and $121.6 billion in total CRE loans across all states. JPMorgan Chase Bank, N.A., headquartered in Ohio, has 431 Florida branches, $79.0 billion in state deposits and $179.8 billion in total CRE loans across all states. Bank of America, N.A., headquartered in North Carolina, has 414 branches, $170.3 billion in state deposits and $79.9 billion in total CRE loans across all states.

Borrowers may also compare debt funds, life companies, CMBS, agency and SBA lenders. These nonbank sources do not appear in bank Call Reports, and their presence means a bank ranking is not a complete list of financing channels. Comparing several sources helps a borrower assess fit across different lender types while avoiding reliance on one reported balance sheet. Local branches can make an out of state bank relevant to a Florida project, while nonbank lenders can serve transactions outside a bank’s current appetite. The table is best used to identify informed conversations, not to substitute for direct lender screening.

Frequently Asked Questions

What loans are included in construction and land lending?

The category covers construction, land development and other land loans reported on schedule RC-C of the FDIC Call Reports. It is one segment of commercial real estate lending rather than a measure of every loan secured by property. SouthState Bank, N.A. reports $2.9 billion in this category, compared with $28.3 billion in total CRE loans. The difference includes its reported multifamily, owner occupied and investor nonfarm nonresidential balances. Because the ranking uses outstanding balances, it reflects loans held as of June 30, 2026 rather than commitments, applications or new originations during the period.

Where do the Florida bank figures come from?

BestCRE uses FDIC Call Reports, formally called Reports of Condition and Income, including schedule RC-C, together with the FDIC Summary of Deposits 2026. Call Reports supply consolidated bank loan balances and related capital measures as of June 30, 2026. The Summary of Deposits identifies branch and deposit presence for banks headquartered outside Florida. The broader comparison includes 4,167 banks reporting $3.07 trillion in total CRE loans. These regulatory sources support consistent comparisons across institutions, but they do not disclose project level underwriting, current quotes, pending applications or whether a reported loan was originated in Florida.

Do rising CRE balances mean a bank is making new construction loans?

Not necessarily. Year over year CRE change describes movement in the total reported CRE portfolio, not construction originations alone. Seacoast National Bank reports +20.5% CRE growth and $858.2 million in construction and land loans. Newtek Bank, N.A. reports +90.5% growth and $105.5 million in that category. Amerant Bank, N.A. reports -14.8% CRE change while holding $535.9 million in construction and land loans. Portfolio balances can therefore help identify direction and scale, but borrowers must contact each bank to determine whether it is accepting and funding loans that match a specific request.

How should borrowers interpret the benchmark rates shown on the page?

The benchmark panel provides market context as of Oct 26, 2026. It shows the Prime rate at 7.00%, SOFR at 3.89%, the 5 year Treasury at 4.78%, the 10 year Treasury at 4.96% and Fed funds at 3.88%. These are reference rates, not construction loan quotes from the ranked banks. A bank’s reported construction balance does not disclose its pricing method, spread, fees or terms. Borrowers should treat the benchmarks as a dated reference point and obtain current, transaction specific information directly from potential financing sources.

Does a larger reported balance mean a bank will approve my project?

No. A reported balance measures loans already held, not approval probability or unused lending capacity. City National Bank of Florida has $1.6 billion in construction and land loans, while Sanibel Captiva Community Bank has $69.9 million. That size difference can help borrowers distinguish institutions by existing category exposure, but it says nothing about a particular project’s eligibility. Call Reports do not show applications, declined requests, pipeline volume or property level underwriting. Borrowers should use the ranking to identify relevant institutions and then confirm current interest, geographic coverage and project fit directly with each prospective lender.

More BestCRE lender rankings

Best CRE Lenders in Florida Best Multifamily Lenders in Florida Best Owner Occupied CRE Lenders in Florida Best CRE Lenders: the national top 100 Best construction loan lenders Best multifamily bank lenders Best owner occupied CRE lenders Fastest growing CRE bank lenders

CRE lenders by state

October 27, 2026

Best Construction Loan Lenders in California 2026: Banks Ranked by Construction and Land Lending

Quick answerBestCRE ranks City National Bank first among California headquartered banks, with $2.8 billion in construction and land loans as of June 30, 2026. Banc of California follows with $1.9 billion, and Axos Bank holds $1.2 billion. The ranking measures construction, land development and other land loans reported in FDIC Call Reports. It identifies banks with the largest reported portfolios in this lending category, rather than comparing loan pricing, terms or approval practices.

California headquartered banks in the ranking hold $11.3 billion in construction and land loans within $124.7 billion of total commercial real estate loans. BestCRE ranks the banks by construction, land development and other land loans reported as of June 30, 2026. These balances come from FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. The main California bank ranking uses total CRE loans, while this page isolates the construction and land category. That distinction matters because a bank with a large overall CRE portfolio may have a relatively small construction balance, while another institution may direct a larger share of its lending toward development and land exposure.

The ranked institutions are headquartered in California. They are part of a broader group of 111 state headquartered banks holding $183.2 billion in total CRE loans, up +7.4% year over year. The top five account for 37.8% of that state headquartered CRE balance. This is not a complete list of every lender available to a California borrower. Banks headquartered elsewhere can lend through California branches, and nonbank lenders do not report through bank call reports. The ranking is therefore best used as a factual starting point for identifying institutions with demonstrated construction and land balances, then comparing several potential capital sources for a specific property, location and borrower relationship.

Prime rate 7.00%SOFR 3.89%5 year Treasury 4.78%10 year Treasury 4.96%Fed funds 3.88%Benchmarks as of Oct 26, 2026

California banks ranked by construction and land loans

Rank	Bank	Headquarters	Total CRE loans ($M)	Construction and land ($M)	Multifamily ($M)	Owner occupied ($M)	Change, 1 year	CRE share of loans
1	City National Bank	Los Angeles, CA	$16,549	$2,834	$2,698	$4,414	+5.7%	23.9%
2	Banc of California	Los Angeles, CA	$11,904	$1,867	$5,882	$1,509	-11.4%	47.4%
3	Axos Bank	San Diego, CA	$5,610	$1,221	$1,183	$184	+8.5%	22.5%
4	East West Bank	Pasadena, CA	$21,796	$814	$4,606	$3,434	+5.6%	37.0%
5	Preferred Bank	Los Angeles, CA	$3,830	$671	$586	$227	+10.2%	61.0%
6	Poppy Bank	Santa Rosa, CA	$4,563	$498	$920	$1,614	+6.2%	78.1%
7	Farmers and Merchants Bank of Long Beach	Long Beach, CA	$5,207	$418	$358	$780	-0.9%	78.5%
8	Mechanics Bank	Walnut Creek, CA	$7,498	$350	$5,074	$461	+55.3%	55.2%
9	SMBC MANUBANK	Los Angeles, CA	$1,331	$342	$181	$202	-18.5%	49.6%
10	Cathay Bank	Los Angeles, CA	$9,893	$308	$2,587	$1,962	+4.7%	48.0%
11	Tri Counties Bank	Chico, CA	$5,072	$298	$1,157	$1,041	+6.3%	69.4%
12	West Coast Community Bank	Santa Cruz, CA	$1,768	$259	$242	$417	+7.2%	77.8%
13	Community West Bank	Fresno, CA	$2,243	$224	$230	$531	+49.7%	63.3%
14	Citizens Business Bank, N.A.	Ontario, CA	$9,149	$214	$1,235	$2,823	+43.6%	76.1%
15	Bank of Hope	Los Angeles, CA	$8,920	$213	$1,144	$3,138	+4.6%	59.3%
16	American Plus Bank, N.A.	Arcadia, CA	$711	$179	$46.2	$41.9	+10.6%	88.4%
17	Avidbank	San Jose, CA	$1,074	$164	$281	$197	+5.0%	48.3%
18	Royal Business Bank	Los Angeles, CA	$1,468	$154	$758	$188	+0.6%	44.3%
19	Five Star Bank	Roseville, CA	$3,742	$148	$1,390	$605	+17.6%	82.8%
20	California Bank of Commerce, N.A.	San Diego, CA	$2,326	$134	$286	$664	+4.8%	74.8%

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. Table shows the top 20 of 96 banks headquartered in California that hold this loan type.

City National Bank leads with $2.8 billion in construction and land loans, followed by Banc of California at $1.9 billion and Axos Bank at $1.2 billion. Their broader portfolios differ. City National reports $16.5 billion of total CRE loans, while Banc of California reports $11.9 billion and Axos reports $5.6 billion. East West Bank has the table’s largest total CRE book at $21.8 billion, but $813.7 million is in construction and land loans. Growth also varies sharply. Mechanics Bank reports +55.3% year over year CRE growth, Community West Bank reports +49.7%, and Citizens Business Bank, N.A. reports +43.6%. Banc of California reports -11.4%, while SMBC MANUBANK reports -18.5%. Concentration ranges from City National’s 1.08x investor CRE to equity ratio to Five Star Bank’s 5.94x, showing substantial differences in CRE exposure relative to capital.

Out of state banks with branches in California

Bank	Headquarters state	Branches in California	Deposits in California ($M)	Total CRE loans, all states ($M)
Bank of America, N.A.	North Carolina	686	$452,511	$79,906
Wells Fargo Bank, N.A.	South Dakota	769	$304,402	$121,623
JPMorgan Chase Bank, N.A.	Ohio	857	$297,741	$179,847
U.S. Bank, N.A.	Ohio	563	$115,115	$50,718
Citibank, N.A.	South Dakota	271	$67,927	$26,036
First-Citizens Bank & Trust Company	North Carolina	54	$53,887	$38,808
BMO Bank, N.A.	Illinois	226	$33,219	$28,802
Western Alliance Bank	Arizona	11	$20,650	$15,781
HSBC Bank USA, N.A.	Virginia	6	$19,585	$1,637
Fifth Third Bank, N.A.	Ohio	85	$19,580	$33,581

Source: FDIC Summary of Deposits 2026. Deposits and branches are for California only; CRE loans are bank wide.

The ranking is a starting point for a construction loan search

A larger construction and land balance shows that a bank already holds more loans in the category. Total CRE balance provides additional context about appetite and hold capacity across commercial property lending. City National Bank combines $2.8 billion in construction and land loans with $16.5 billion in total CRE loans. Banc of California combines $1.9 billion with $11.9 billion, while Axos Bank combines $1.2 billion with $5.6 billion. Those figures can help borrowers identify banks worth contacting, but they do not show whether a particular project will meet current underwriting requirements.

Borrowers should read the ranking alongside portfolio mix, year over year change, CRE share of total loans and investor CRE relative to equity. Growth can identify banks that are adding CRE balances, while concentration can signal that a bank may be selective about additional exposure. Bank lending is relationship driven and local, so headquarters, branch access and an existing deposit relationship can matter to the search process. A practical approach is to contact several banks whose reported balances and portfolio mix fit the proposed property, then compare the actual structures offered for that transaction.

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Portfolio mix shows where each bank is most active

The construction ranking does not necessarily mirror total CRE scale. East West Bank reports $21.8 billion of total CRE loans, including $12.9 billion of investor nonfarm nonresidential loans and $4.6 billion of multifamily loans, compared with $813.7 million of construction and land loans. Banc of California reports $5.9 billion of multifamily loans within its $11.9 billion CRE portfolio. City National Bank has a more distributed mix, including $6.6 billion of investor nonfarm nonresidential loans, $4.4 billion of owner occupied loans and $2.7 billion of multifamily loans.

Concentration measures add a different perspective. CRE represents 23.9% of loans at City National Bank and 22.5% at Axos Bank, compared with 88.4% at American Plus Bank, N.A. and 82.8% at Five Star Bank. Investor CRE to equity is 1.08x at City National, 1.93x at Axos and 5.94x at Five Star. These ratios can be described as lower or higher relative to other banks in the table, but they do not establish current credit availability. They show how heavily each institution’s reported loan book and capital base are exposed to CRE.

California borrowers have options beyond state headquartered banks

Large banks headquartered elsewhere maintain substantial California branch and deposit networks. JPMorgan Chase Bank, N.A., headquartered in Ohio, has 857 California branches and $297.7 billion of deposits in the state. Wells Fargo Bank, N.A., headquartered in South Dakota, has 769 branches and $304.4 billion of California deposits. Bank of America, N.A., headquartered in North Carolina, has 686 branches and $452.5 billion of deposits in the state. Their total CRE balances are reported across all states, so those figures cannot be treated as California loan balances.

Other out of state institutions with California branches include U.S. Bank, N.A., BMO Bank, N.A., Western Alliance Bank and First-Citizens Bank & Trust Company. Borrowers can also compare debt funds, life companies, CMBS, agency and SBA lenders. Those nonbank sources do not appear in bank call reports and may evaluate transactions through different programs. Comparing several sources helps a borrower distinguish reported portfolio scale from the actual financing available for a particular project. The appropriate comparison should address the property type, development status, location, requested proceeds and the relationship requirements presented by each potential lender.

Frequently Asked Questions

Which California bank has the most construction and land loans?

City National Bank ranks first with $2.8 billion in construction, land development and other land loans as of June 30, 2026. The Los Angeles headquartered bank reports $16.5 billion of total CRE loans, including $2.7 billion of multifamily loans, $4.4 billion of owner occupied CRE loans and $6.6 billion of investor nonfarm nonresidential loans. Its CRE portfolio grew +5.7% year over year, and CRE represents 23.9% of total loans. The ranking reflects reported balances, not a judgment about loan terms, approval likelihood or suitability for a particular project.

How current is BestCRE’s California construction lender ranking?

The bank balances are as of June 30, 2026 and come from FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. Branch and deposit information comes from the FDIC Summary of Deposits 2026. Interest rate benchmarks are more recent, as of Oct 26, 2026: the Prime rate is 7.00%, SOFR is 3.89%, the 5 year Treasury is 4.78%, the 10 year Treasury is 4.96%, and Fed funds is 3.88%. These benchmarks provide market context but are not quoted construction loan rates from the ranked banks.

Which ranked bank has the largest total commercial real estate portfolio?

East West Bank has the largest total CRE portfolio in the ranked table at $21.8 billion and holds national rank 25. Its Pasadena headquartered portfolio includes $813.7 million in construction and land loans, $4.6 billion in multifamily loans, $3.4 billion in owner occupied CRE loans and $12.9 billion in investor nonfarm nonresidential loans. CRE represents 37.0% of its total loans, and reported CRE grew +5.6% year over year. City National Bank ranks first for construction and land lending even though its $16.5 billion total CRE book is smaller.

Which California banks reported the strongest CRE growth?

Mechanics Bank reports +55.3% year over year CRE growth, the highest rate shown in the ranked table. Community West Bank follows at +49.7%, while Citizens Business Bank, N.A. reports +43.6%. Five Star Bank reports +17.6%, and American Plus Bank, N.A. reports +10.6%. Growth describes the change in each bank’s total reported CRE balance, not just construction and land loans. It also does not establish that the bank is currently expanding every CRE category, market or borrower segment. The figures are most useful when considered with portfolio size, mix and concentration.

Does the ranking include every construction lender operating in California?

No. The ranking covers banks headquartered in California and orders them by reported construction, land development and other land loans. California has 111 state headquartered banks with $183.2 billion in total CRE loans. Banks headquartered elsewhere may also lend locally through branches. For example, U.S. Bank, N.A. has 563 California branches and $115.1 billion of deposits in the state, while BMO Bank, N.A. has 226 branches and $33.2 billion of deposits. Debt funds, life companies, CMBS, agency and SBA lenders are also outside the FDIC bank ranking.

More BestCRE lender rankings

Best CRE Lenders in California Best Multifamily Lenders in California Best Owner Occupied CRE Lenders in California Best CRE Lenders: the national top 100 Best construction loan lenders Best multifamily bank lenders Best owner occupied CRE lenders Fastest growing CRE bank lenders

CRE lenders by state

October 27, 2026

Best Construction Loan Lenders in Texas 2026: Banks Ranked by Construction and Land Lending

Quick answerBestCRE ranks Prosperity Bank first with $3.1 billion in construction and land loans, followed by Frost Bank with $2.7 billion and International Bank of Commerce in Laredo with $1.7 billion. First Financial Bank follows with $1.2 billion, while PlainsCapital Bank reports $983.9 million. The ranking measures construction, land development and other land loans held by banks headquartered in Texas, based on FDIC Call Reports as of June 30, 2026.

Texas borrowers looking for construction financing have a broad group of locally headquartered banks to consider. BestCRE ranks 20 banks by construction, land development and other land loans reported on June 30, 2026. Together, these banks hold $17.6 billion in that category and $65.9 billion in total commercial real estate loans. The ranking isolates one segment of each bank’s CRE portfolio rather than measuring total originations, commitments or lending activity within Texas. The main state ranking uses total CRE loans, while this page focuses specifically on construction and land exposure. FDIC Call Reports identify loans held by each bank but do not disclose individual projects, pricing, underwriting terms or geographic allocation.

The broader Texas banking market includes 345 banks headquartered in the state, with $149.3 billion in total CRE loans. Those portfolios increased +9.0% year over year, and the largest institutions account for a meaningful share of the market. The top five share of state headquartered CRE is 24.1%. The ranked banks differ substantially in portfolio size, property mix, growth and concentration. Those differences can help borrowers identify institutions whose reported balance sheets align with a proposed project. They do not establish whether a bank will approve a particular request. Credit decisions remain specific to the borrower, property, market, relationship and structure under consideration.

Prime rate 7.00%SOFR 3.89%5 year Treasury 4.78%10 year Treasury 4.96%Fed funds 3.88%Benchmarks as of Oct 26, 2026

Texas banks ranked by construction and land loans

Rank	Bank	Headquarters	Total CRE loans ($M)	Construction and land ($M)	Multifamily ($M)	Owner occupied ($M)	Change, 1 year	CRE share of loans
1	Prosperity Bank	El Campo, TX	$10,365	$3,144	$680	$2,593	+19.1%	41.4%
2	Frost Bank	San Antonio, TX	$10,734	$2,736	$239	$4,370	+9.0%	46.7%
3	International Bank of Commerce	Laredo, TX	$4,813	$1,749	$807	$416	+9.2%	66.6%
4	First Financial Bank	Abilene, TX	$3,167	$1,191	$93.5	$1,144	+4.1%	37.8%
5	PlainsCapital Bank	University Park, TX	$4,692	$984	$364	$1,453	+9.9%	50.6%
6	Stellar Bank	HOUSTON, TX	$4,712	$980	$487	$1,779	+0.4%	62.7%
7	Third Coast Bank	Humble, TX	$2,463	$888	$59.0	$584	+29.3%	45.3%
8	Texas Capital Bank	Dallas, TX	$5,007	$885	$1,530	$987	-8.8%	20.1%
9	Southside Bank	Tyler, TX	$3,334	$600	$642	$362	+9.5%	67.4%
10	Vantage Bank Texas	San Antonio, TX	$2,153	$555	$79.9	$560	+8.4%	52.2%
11	The American National Bank of Texas	Terrell, TX	$2,086	$502	$148	$690	+4.6%	61.3%
12	City Bank	Lubbock, TX	$2,007	$484	$230	$530	+26.0%	53.1%
13	TexasBank	Fort Worth, TX	$881	$431	$69.1	$126	+13.2%	41.2%
14	Pinnacle Bank	Fort Worth, TX	$1,357	$414	$142	$257	+9.7%	71.0%
15	Falcon International Bank	Laredo, TX	$1,158	$378	$120	$219	+10.3%	79.3%
16	Texas Bank and Trust Company	Longview, TX	$2,120	$374	$292	$476	-4.9%	61.8%
17	Security State Bank & Trust	Fredericksburg, TX	$863	$355	$76.5	$199	+11.7%	55.5%
18	WestStar Bank	El Paso, TX	$1,829	$332	$266	$374	+10.0%	72.5%
19	International Bank of Commerce	Brownsville, TX	$1,007	$331	$157	$111	+3.6%	63.9%
20	Austin Bank, Texas, N.A.	Jacksonville, TX	$1,129	$330	$16.5	$460	+0.2%	45.2%

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. Table shows the top 20 of 333 banks headquartered in Texas that hold this loan type.

Prosperity Bank leads with $3.1 billion in construction and land loans, ahead of Frost Bank at $2.7 billion and International Bank of Commerce in Laredo at $1.7 billion. Frost Bank has the largest total CRE portfolio among those leaders at $10.7 billion, compared with $10.4 billion for Prosperity Bank. Portfolio mixes vary. International Bank of Commerce reports a 66.6% CRE share of loans, while Texas Capital Bank reports 20.1% and the table’s largest multifamily balance at $1.5 billion. Growth also differs sharply. Third Coast Bank’s CRE balance increased +29.3%, City Bank’s increased +26.0%, and Prosperity Bank’s increased +19.1%. Texas Capital Bank declined -8.8%, while Texas Bank and Trust Company declined -4.9%. Concentration measures provide another distinction. The American National Bank of Texas reports investor CRE equal to 4.25x equity, relatively high within the table, while Prosperity Bank reports a comparatively low 0.96x.

Out of state banks with branches in Texas

Bank	Headquarters state	Branches in Texas	Deposits in Texas ($M)	Total CRE loans, all states ($M)
JPMorgan Chase Bank, N.A.	Ohio	489	$308,313	$179,847
Bank of America, N.A.	North Carolina	313	$199,803	$79,906
Wells Fargo Bank, N.A.	South Dakota	457	$94,362	$121,623
Citibank, N.A.	South Dakota	2	$31,012	$26,036
PNC Bank, N.A.	Delaware	319	$30,127	$47,133
The Huntington National Bank	Ohio	145	$28,027	$37,932
Zions Bancorporation, N.A.	Utah	77	$15,381	$23,684
Truist Bank	North Carolina	96	$11,314	$51,018
Fifth Third Bank, N.A.	Ohio	110	$10,726	$33,581
BOKF, N.A.	Oklahoma	33	$10,167	$11,334

Source: FDIC Summary of Deposits 2026. Deposits and branches are for Texas only; CRE loans are bank wide.

Portfolio size and activity help narrow a lender search

A large construction and land balance can indicate established appetite and capacity to hold these loans. Total CRE loans add context because they show the scale of the broader property portfolio. Prosperity Bank reports $3.1 billion in construction and land loans within a $10.4 billion CRE book. First Financial Bank reports $1.2 billion within $3.2 billion of CRE loans. Borrowers can use those balances to identify an initial group of banks whose reported activity is proportionate to the financing request.

The remaining columns refine that initial screen. Loan mix shows where a bank is most active, year over year change shows which institutions are adding or reducing CRE balances, and concentration can signal a bank that will be selective. Bank lending is relationship driven and local, so the ranking is best used as a call list rather than an approval forecast. Borrowers should compare several banks and ask each institution directly about current interest, market coverage and fit for the proposed transaction.

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Loan mix and concentration distinguish the ranked banks

Construction lending sits alongside multifamily, owner occupied property and investor nonfarm nonresidential lending in each CRE portfolio. Frost Bank reports $4.4 billion of owner occupied loans, compared with $2.7 billion in construction and land loans and $239.2 million in multifamily loans. Texas Capital Bank shows a different mix, with $1.5 billion in multifamily loans and $884.6 million in construction and land loans. Southside Bank reports $1.7 billion in investor nonfarm nonresidential loans and $600.1 million in construction and land loans.

CRE share of total loans and investor CRE relative to equity show how heavily each balance sheet is oriented toward property credit. Falcon International Bank reports a 79.3% CRE share of loans, while Pinnacle Bank reports 71.0% and WestStar Bank reports 72.5%. Investor CRE to equity is relatively high at Vantage Bank Texas at 3.62x and WestStar Bank at 3.79x. Frost Bank reports 1.37x, and Austin Bank, Texas, N.A. reports 1.33x. These measures describe concentration, not the availability or terms of a specific loan.

Texas borrowers can compare local banks with other capital sources

This ranking includes banks headquartered in Texas. Banks headquartered elsewhere also lend through Texas branches, but their FDIC Call Reports combine loans held across all states. JPMorgan Chase Bank, N.A. has 489 Texas branches and $308.3 billion of deposits in the state, while holding $179.8 billion in total CRE loans nationally. Bank of America, N.A. has 313 Texas branches and $199.8 billion of state deposits. Wells Fargo Bank, N.A. has 457 branches and $94.4 billion of Texas deposits.

Other banks with a substantial local presence include PNC Bank, N.A., with 319 Texas branches and $30.1 billion of state deposits, and The Huntington National Bank, with 145 branches and $28.0 billion. Borrowers can also compare debt funds, life companies, CMBS, agency and SBA lenders, none of which appear in bank call report rankings. Comparing several sources matters because lender eligibility, property focus and execution can differ even when reported balance sheets look similar. The ranking identifies active balance sheets, while direct discussions establish current fit.

Frequently Asked Questions

Which Texas bank has the most construction and land loans?

Prosperity Bank ranks first among Texas headquartered banks, with $3.1 billion in construction, land development and other land loans as of June 30, 2026. It reports $10.4 billion in total CRE loans, including $680.2 million in multifamily loans, $2.6 billion in owner occupied loans and $3.9 billion in investor nonfarm nonresidential loans. Its CRE portfolio increased +19.1% year over year and represents 41.4% of total loans. These balances show the size and composition of the bank’s reported portfolio, but they do not indicate whether a particular project will qualify.

Why are there two banks named International Bank of Commerce?

The FDIC records two separate Texas headquartered banks with the name International Bank of Commerce. The Laredo institution ranks third, with $1.7 billion in construction and land loans and $4.8 billion in total CRE loans. The Brownsville institution ranks nineteenth, with $331.3 million in construction and land loans and $1.0 billion in total CRE loans. Their headquarters, portfolio balances and national ranks distinguish them. Borrowers should verify the specific legal institution and location when making contact, particularly when names are identical.

What does the national rank mean for a Texas construction lender?

The national rank places each bank’s total CRE loan balance among 4,167 banks reporting $3.07 trillion of CRE loans. It does not rank construction lending alone or measure lending completed in Texas. Frost Bank has a national rank of 46 with $10.7 billion in total CRE loans, while Prosperity Bank has a national rank of 50 with $10.4 billion. Texas Capital Bank ranks 106 nationally with $5.0 billion. The Texas table itself is ordered by construction, land development and other land loans, so its sequence can differ from the national total CRE ranking.

How current are the construction lending figures?

The portfolio figures come from FDIC Call Reports dated June 30, 2026. They are balance sheet amounts reported for that date, not live indications of credit availability. Market benchmarks can move after a reporting date. As of Oct 26, 2026, 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 only and do not represent an offered construction loan rate from any bank in the ranking.

Does a larger construction loan balance mean a bank will approve my project?

No. A larger reported balance shows that a bank holds more construction, land development and other land loans, but it does not disclose current underwriting decisions. Third Coast Bank, for example, reports $887.8 million in construction and land loans and +29.3% year over year CRE growth. Texas Capital Bank reports a similar $884.6 million balance but -8.8% CRE change. Those figures identify different recent portfolio directions, not approval probabilities. Borrowers still need to discuss the property, market, sponsorship, relationship and proposed structure directly with each institution.

More BestCRE lender rankings

Best CRE Lenders in Texas Best Multifamily Lenders in Texas Best Owner Occupied CRE Lenders in Texas Best CRE Lenders: the national top 100 Best construction loan lenders Best multifamily bank lenders Best owner occupied CRE lenders Fastest growing CRE bank lenders

CRE lenders by state

October 27, 2026

Best CRE Lenders in Wyoming 2026: Commercial Real Estate Bank Lenders Ranked

Quick answerBestCRE ranks Pinnacle Bank – Wyoming first with $446.6 million in commercial real estate loans, followed by Hilltop National Bank with $345.9 million and First Northern Bank of Wyoming with $268.1 million. The ranking measures total commercial real estate loans reported by banks headquartered in Wyoming as of June 30, 2026. It covers construction and land, multifamily, owner occupied, and investor nonfarm nonresidential loans. The ranking reflects the size and composition of each bank’s reported CRE portfolio, not specific financing terms or current loan availability.

Wyoming’s 24 headquartered banks reported $2.6 billion in total commercial real estate loans as of June 30, 2026, according to FDIC Call Reports. Their combined CRE balances increased +9.9% year over year, while the top five banks held 57.3% of the statewide total. BestCRE ranks these institutions by total CRE loans, using schedule RC-C of the Reports of Condition and Income. The table separates construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances, allowing borrowers to compare both portfolio scale and reported lending mix. It also shows year over year change, CRE share of total loans, investor CRE relative to equity, and national rank.

This is a ranking of banks headquartered in Wyoming, not every institution that can finance property in the state. Banks based elsewhere may operate Wyoming branches and hold substantial CRE portfolios across multiple states. The FDIC Summary of Deposits 2026 identifies those local branch networks and their deposits in Wyoming, while call reports show each institution’s total CRE loans across all states. Borrowers should treat the ranking as a starting point for identifying active bank lenders. Reported portfolio size, mix, growth, and concentration help narrow a search, but they do not establish whether a bank will finance a particular property, borrower, location, or transaction.

Prime rate 7.00%SOFR 3.89%5 year Treasury 4.78%10 year Treasury 4.96%Fed funds 3.88%Benchmarks as of Oct 26, 2026

Wyoming banks ranked by total CRE loans

Rank	Bank	Headquarters	Total CRE loans ($M)	Construction and land ($M)	Multifamily ($M)	Owner occupied ($M)	Change, 1 year	CRE share of loans
1	Pinnacle Bank – Wyoming	Cody, WY	$447	$62.8	$27.2	$121	+14.4%	47.8%
2	Hilltop National Bank	Casper, WY	$346	$103	$54.0	$77.0	+21.8%	52.4%
3	First Northern Bank of Wyoming	Buffalo, WY	$268	$57.4	$25.0	$126	+21.5%	41.4%
4	Platte Valley Bank	Torrington, WY	$235	$40.0	$10.5	$95.9	+1.7%	34.9%
5	Jonah Bank of Wyoming	Casper, WY	$213	$35.4	$15.3	$94.0	+6.1%	53.9%
6	First Federal Bank & Trust	Sheridan, WY	$208	$31.7	$21.8	$7.3	+4.6%	42.7%
7	Security State Bank	Basin, WY	$101	$19.1	$12.0	$25.2	+13.1%	38.9%
8	RSNB Bank	Rock Springs, WY	$89.8	$21.9	$7.3	$55.4	+1.2%	59.7%
9	First National Bank of Gillette	Gillette, WY	$83.7	$11.7	$7.5	$51.6	+3.2%	51.0%
10	RNB STATE BANK	Rawlins, WY	$81.8	$8.0	$7.3	$22.6	+5.7%	50.7%
11	Bank of Star Valley	Afton, WY	$72.1	$28.5	$8.4	$24.0	-3.5%	31.4%
12	Tanager Bank	Jackson, WY	$61.9	$5.6	$5.8	$4.8	+0.7%	81.2%
13	Buffalo Federal Bank	Buffalo, WY	$58.2	$7.0	$0.9	$20.5	-2.2%	38.0%
14	Central Bank and Trust	Lander, WY	$54.6	$18.3	$3.7	$16.6	+15.4%	48.9%
15	State Bank	Green River, WY	$53.2	$6.4	$3.9	$25.7	+13.6%	57.5%
16	Sundance State Bank	Sundance, WY	$53.1	$11.1	$1.9	$19.7	+18.7%	27.9%
17	Bank of Commerce	Rawlins, WY	$47.4	$13.9	$7.4	$15.1	+11.7%	41.1%
18	Wyoming Community Bank	Riverton, WY	$43.1	$8.0	$0.2	$22.5	-10.1%	25.5%
19	Big Horn Federal Savings Bank	Greybull, WY	$42.8	$5.2	$0.4	$14.8	+7.6%	23.4%
20	The Converse County Bank	Douglas, WY	$38.4	$1.9	$0.0	$12.3	+7.3%	12.4%
21	Cowboy State Bank	Ranchester, WY	$19.0	$2.6	$0.0	$1.4	+7.2%	55.4%
22	Summit National Bank	Hulett, WY	$6.8	$0.4	$0.0	$1.2	-18.5%	20.5%
23	Farmers State Bank	Pine Bluffs, WY	$6.6	$2.1	$0.0	$2.0	+21.9%	40.0%
24	2unifi Bank	Jackson, WY	$2.3	$0.0	$0.0	$1.1	+85.7%	40.7%

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.

Pinnacle Bank – Wyoming leads with $446.6 million in CRE loans and +14.4% year over year growth. Hilltop National Bank follows at $345.9 million, including $102.9 million in construction and land loans and $54.0 million in multifamily loans. First Northern Bank of Wyoming ranks third with $268.1 million and the largest owner occupied balance among those leaders at $126.0 million. Portfolio mix varies sharply. First Federal Bank & Trust reports $146.7 million in investor nonfarm nonresidential loans but only $7.3 million in owner occupied loans, while RSNB Bank reports $55.4 million owner occupied and $5.3 million investor nonfarm nonresidential. Tanager Bank has the highest CRE share of loans shown at 81.2%. RNB STATE BANK’s investor CRE to equity ratio is 3.19x, high relative to most banks in the table. Growth also differs, ranging from +85.7% at 2unifi Bank to -18.5% at Summit National Bank.

Out of state banks with branches in Wyoming

Bank	Headquarters state	Branches in Wyoming	Deposits in Wyoming ($M)	Total CRE loans, all states ($M)
First Interstate Bank	Montana	15	$2,773	$8,497
Wells Fargo Bank, N.A.	South Dakota	16	$2,310	$121,623
Glacier Bank	Montana	17	$1,422	$12,859
NBH Bank	Colorado	7	$1,400	$4,089
U.S. Bank, N.A.	Ohio	9	$897	$50,718
ANB Bank	Colorado	6	$780	$701
BMO Bank, N.A.	Illinois	17	$459	$28,802
Riverstone Bank	Nebraska	3	$340	$266
Bank of Bridger, N.A.	Montana	4	$326	$88.9
First Western Trust Bank	Colorado	3	$320	$1,182
First National Bank of Omaha	Nebraska	4	$277	$6,021
First National Bank	South Dakota	2	$255	$861

Source: FDIC Summary of Deposits 2026. Deposits and branches are for Wyoming only; CRE loans are bank wide.

Portfolio evidence can focus a commercial loan search

A larger CRE book can indicate greater appetite and hold capacity, making total CRE loans a practical first screen. Borrowers can then use the category balances to identify banks whose reported portfolios resemble the financing need. Hilltop National Bank, for example, reports $102.9 million in construction and land loans, while Pinnacle Bank – Wyoming reports $235.9 million in investor nonfarm nonresidential loans. Those balances show where each institution already has exposure. They do not describe available programs, approval standards, pricing, or terms, so a high ranking should lead to a direct conversation rather than an assumption that a loan will fit.

Year over year change helps identify banks that are adding or reducing CRE balances. Hilltop National Bank grew +21.8%, First Northern Bank of Wyoming grew +21.5%, and Wyoming Community Bank declined -10.1%. Concentration adds another screen because a bank with a large CRE share or a high investor CRE to equity ratio may be selective about additional exposure. Bank lending remains relationship driven and local. Borrowers should contact several institutions, explain the property and requested structure consistently, and compare responses rather than treating rank alone as a credit decision.

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Loan mix reveals distinct areas of reported activity

The 24 Wyoming headquartered banks collectively report $501.8 million in construction and land loans, $220.6 million in multifamily loans, $857.3 million in owner occupied loans, and $1.1 billion in investor nonfarm nonresidential loans. Individual portfolios differ materially within those categories. Platte Valley Bank reports $95.9 million owner occupied and $88.7 million investor nonfarm nonresidential, while Jonah Bank of Wyoming reports $94.0 million and $68.5 million, respectively. These category balances help borrowers distinguish banks with substantial business property exposure from those weighted toward income producing real estate or development.

Concentration measures portfolio exposure, not lending quality or willingness to approve a new request. Tanager Bank reports CRE equal to 81.2% of total loans, compared with 12.4% at The Converse County Bank. First Federal Bank & Trust has an investor CRE to equity ratio of 3.02x, while First National Bank of Gillette reports 0.41x. A high figure relative to other banks in the table can signal that a lender will be selective as it manages existing exposure. A lower figure can indicate less balance sheet concentration, but it does not establish appetite for a particular transaction.

Wyoming borrowers have additional bank and nonbank options

The headquarters filter excludes several large institutions with Wyoming branches. First Interstate Bank, headquartered in Montana, has 15 branches and $2.8 billion in Wyoming deposits, while reporting $8.5 billion in CRE loans across all states. Wells Fargo Bank, N.A., headquartered in South Dakota, has 16 branches, $2.3 billion in Wyoming deposits, and $121.6 billion in total CRE loans. Glacier Bank has 17 branches, $1.4 billion in Wyoming deposits, and $12.9 billion in CRE loans across all states. These figures establish a local presence and overall CRE scale, but they do not allocate each bank’s CRE portfolio to Wyoming.

Borrowers can also compare debt funds, life companies, CMBS lenders, agency lenders, and SBA lenders. These nonbank sources do not appear in bank call reports, so the FDIC ranking cannot measure their activity against the Wyoming headquartered banks. Comparing several sources matters because lender type, property fit, relationship requirements, and balance sheet exposure can affect whether a transaction receives attention. The most useful process is to use reported bank data to build a focused contact list, include relevant out of state banks with local branches, and evaluate nonbank channels appropriate to the property and financing request.

Frequently Asked Questions

How did BestCRE rank commercial real estate lenders in Wyoming?

BestCRE ranks banks headquartered in Wyoming by total commercial real estate loans as of June 30, 2026. The figures come from FDIC Call Reports, formally the Reports of Condition and Income, using schedule RC-C. Total CRE combines reported construction and land, multifamily, owner occupied, and investor nonfarm nonresidential loans. The FDIC Summary of Deposits 2026 is used separately to identify out of state banks with Wyoming branches and measure their deposits in the state. The table includes 24 Wyoming headquartered banks with a combined $2.6 billion in CRE loans.

Which Wyoming bank has the largest commercial real estate portfolio?

Pinnacle Bank – Wyoming has the largest reported CRE portfolio among banks headquartered in the state, with $446.6 million as of June 30, 2026. Its portfolio includes $62.8 million in construction and land loans, $27.2 million in multifamily loans, $120.7 million in owner occupied loans, and $235.9 million in investor nonfarm nonresidential loans. CRE represents 47.8% of its total loans, and its reported CRE balance increased +14.4% year over year. Its national rank by total CRE loans is 811.

Which Wyoming banks reported the strongest CRE loan growth?

2unifi Bank reported the highest percentage increase in the table at +85.7%, although its CRE portfolio was $2.3 million. Among larger portfolios, Farmers State Bank reported +21.9%, Hilltop National Bank reported +21.8%, and First Northern Bank of Wyoming reported +21.5%. Central Bank and Trust grew +15.4%, while Pinnacle Bank – Wyoming grew +14.4%. Growth identifies banks adding reported CRE balances, but it does not show the cause, current capacity, or willingness to fund a specific request. Portfolio size and category mix should be considered alongside the change.

What does the national rank tell a Wyoming commercial borrower?

The national rank places each Wyoming headquartered bank against 4,167 banks reporting $3.07 trillion in total CRE loans. Pinnacle Bank – Wyoming ranks 811 nationally, Hilltop National Bank ranks 1006, and First Northern Bank of Wyoming ranks 1196. The position provides context for portfolio scale beyond Wyoming, where smaller local institutions may still be significant relationship lenders. National rank does not measure loan quality, borrower experience, approval probability, or local market knowledge. It is best used as a size comparison together with the Wyoming ranking, portfolio categories, growth, and concentration measures.

What interest rate benchmarks should Wyoming CRE borrowers watch?

Common market benchmarks as of Oct 26, 2026 include the Prime rate at 7.00%, SOFR at 3.89%, the 5 year Treasury at 4.78%, the 10 year Treasury at 4.96%, and Fed funds at 3.88%. These benchmarks provide market context but are not quoted loan rates from the banks in the ranking. FDIC Call Reports show reported loan balances and portfolio composition, not transaction pricing. A borrower’s actual rate and structure cannot be inferred from a bank’s CRE total, growth rate, concentration, or position in the table.

More BestCRE lender rankings

Best CRE Lenders: the national top 100 Best construction loan lenders Best multifamily bank lenders Best owner occupied CRE lenders Fastest growing CRE bank lenders

CRE lenders by state

October 27, 2026

Best CRE Lenders in West Virginia 2026: Commercial Real Estate Bank Lenders Ranked

Quick answerBestCRE ranks WesBanco Bank, Inc. first among West Virginia headquartered banks with $10.8 billion in commercial real estate loans. City National Bank of West Virginia follows with $1.6 billion, and MVB Bank, Inc. ranks third with $1.3 billion. The ranking measures total commercial real estate loans reported in FDIC Call Reports as of June 30, 2026. It compares the size, mix, growth and concentration of each bank’s CRE portfolio, giving borrowers a starting point for identifying active bank lenders.

West Virginia’s largest commercial real estate bank lenders vary widely in portfolio size and composition. The ranked banks hold $16.5 billion in total CRE loans, including $2.5 billion in construction and land loans, $2.4 billion in multifamily loans, $4.3 billion in owner occupied loans and $7.4 billion in investor nonfarm nonresidential loans. BestCRE ranks banks by total commercial real estate loans using FDIC Call Reports, formally Reports of Condition and Income, schedule RC-C, as of June 30, 2026. The ranking covers banks headquartered in West Virginia, so it measures institutionwide portfolios rather than loans made only within the state.

The ranking is a starting point for a financing search, not a statement that every bank will pursue every property or borrower. A large CRE book can indicate appetite and capacity to hold commercial mortgages, while portfolio mix shows the property and transaction categories in which a bank is most active. Year over year growth identifies banks adding CRE balances, and concentration can indicate where underwriting may be selective. Bank lending remains relationship driven and local. Borrowers should use the figures to develop a focused call list, then compare bank interest with debt funds, life companies, CMBS, agency and SBA lenders that do not appear in FDIC bank call reports.

Prime rate 7.00%SOFR 3.89%5 year Treasury 4.78%10 year Treasury 4.96%Fed funds 3.88%Benchmarks as of Oct 26, 2026

West Virginia banks ranked by total CRE loans

Rank	Bank	Headquarters	Total CRE loans ($M)	Construction and land ($M)	Multifamily ($M)	Owner occupied ($M)	Change, 1 year	CRE share of loans
1	WesBanco Bank, Inc.	Wheeling, WV	$10,779	$1,690	$1,739	$3,047	+3.8%	55.2%
2	City National Bank of West Virginia	Charleston, WV	$1,607	$54.7	$233	$237	+4.2%	35.7%
3	MVB Bank, Inc	Fairmont, WV	$1,302	$197	$72.0	$214	+10.8%	52.6%
4	Potomac Bank	Charles Town, WV	$421	$41.6	$38.9	$122	+4.5%	54.3%
5	Clear Mountain Bank	Bruceton Mills, WV	$274	$69.3	$35.5	$98.2	+9.4%	35.8%
6	Pendleton Community Bank, Inc.	Franklin, WV	$213	$51.3	$27.7	$52.0	+1.8%	29.9%
7	CNB Bank, Inc.	Berkeley Springs, WV	$207	$53.7	$13.5	$58.6	+16.3%	35.5%
8	Putnam County Bank	Hurricane, WV	$180	$40.1	$25.5	$43.1	+5.7%	40.0%
9	MCNB Bank and Trust Co.	Welch, WV	$160	$4.9	$24.7	$16.9	-1.1%	62.9%
10	Citizens Bank of West Virginia, Inc.	Elkins, WV	$150	$7.7	$6.1	$80.7	+62.0%	24.6%
11	Freedom Bank, Inc.	Belington, WV	$145	$16.9	$16.8	$22.6	+361.4%	46.5%
12	Highlands Bank	Petersburg, WV	$144	$28.8	$9.4	$83.7	-0.2%	46.4%
13	Jefferson Security Bank	Shepherdstown, WV	$136	$31.9	$24.6	$25.1	+6.1%	32.7%
14	The Poca Valley Bank, Inc.	Walton, WV	$105	$28.8	$11.1	$20.2	+4.7%	20.8%
15	First Exchange Bank	White Hall, WV	$89.3	$6.2	$23.8	$36.2	-3.0%	30.3%
16	The Citizens Bank of Weston	Weston, WV	$86.1	$8.1	$13.3	$27.0	+3.7%	39.5%
17	The Bank of Romney	Romney, WV	$82.1	$52.9	$4.8	$11.0	+5.7%	30.5%
18	West Union Bank	West Union, WV	$73.8	$2.9	$34.3	$13.0	+15.0%	47.4%
19	Community Bank of Parkersburg	Parkersburg, WV	$65.8	$8.9	$8.9	$18.6	+3.1%	24.5%
20	Guaranty Bank Inc.	Williamson, WV	$64.5	$7.9	$5.5	$12.3	+2.9%	55.0%
21	Capon Valley Bank	Wardensville, WV	$61.5	$28.3	$0.0	$17.5	+29.2%	34.5%
22	Mountain Valley Bank, N.A.	Elkins, WV	$51.3	$3.8	$12.8	$23.0	+6.2%	39.8%
23	The Bank of Monroe	Union, WV	$50.2	$6.8	$0.0	$5.2	+12.1%	32.0%
24	FNB Bank, Inc.	Romney, WV	$49.2	$5.0	$3.0	$23.9	+9.1%	23.4%
25	Williamstown Bank, Inc.	Williamstown, WV	$49.1	$7.6	$8.9	$23.2	-4.4%	26.0%

WesBanco Bank, Inc. is the clear portfolio leader with $10.8 billion in CRE loans, including $4.3 billion in investor nonfarm nonresidential loans and $3.0 billion in owner occupied loans. City National Bank of West Virginia ranks second at $1.6 billion, while MVB Bank, Inc. ranks third at $1.3 billion and reports +10.8% year over year growth. Growth varies considerably farther down the table. Freedom Bank, Inc. reports +361.4%, Citizens Bank of West Virginia, Inc. reports +62.0%, and CNB Bank, Inc. reports +16.3%. Portfolio concentration also differs. MCNB Bank and Trust Co. has CRE equal to 62.9% of total loans and an investor CRE to equity ratio of 3.40x. MVB Bank, Inc. reports 3.27x, while Citizens Bank of West Virginia, Inc. reports 0.88x, a low ratio relative to other ranked banks.

Out of state banks with branches in West Virginia

Bank	Headquarters state	Branches in West Virginia	Deposits in West Virginia ($M)	Total CRE loans, all states ($M)
United Bank	Virginia	48	$6,979	$14,204
Truist Bank	North Carolina	42	$6,019	$51,018
The Huntington National Bank	Ohio	26	$2,763	$37,932
JPMorgan Chase Bank, N.A.	Ohio	17	$2,309	$179,847
Burke & Herbert Bank & Trust Company	Virginia	32	$2,288	$5,504
Peoples Bank	Ohio	26	$1,478	$2,429
First Community Bank	Virginia	28	$1,416	$1,138
Main Street Bank Corp.	Ohio	4	$576	$446
First United Bank & Trust	Maryland	8	$472	$717
Community Trust Bank, Inc.	Kentucky	6	$358	$1,886
Fifth Third Bank, N.A.	Ohio	5	$357	$33,581
The Ohio Valley Bank Company	Ohio	5	$353	$481

Source: FDIC Summary of Deposits 2026. Deposits and branches are for West Virginia only; CRE loans are bank wide.

Portfolio size provides a practical starting point for a loan search

Borrowers can begin with total CRE loans because portfolio size indicates demonstrated appetite and potential hold capacity. WesBanco Bank, Inc., with $10.8 billion in CRE loans, may belong on a different call list from Williamstown Bank, Inc., with $49.1 million. Size alone does not establish fit, however. A borrower should compare the relevant loan category, recent growth and portfolio concentration before contacting a bank. Headquarters also matters because the table ranks West Virginia headquartered institutions and reports each bank’s total portfolio across all states, not only loans secured by property in West Virginia.

The strongest call list combines scale with evidence of activity in the needed category. A construction borrower can review construction and land balances, while an apartment borrower can focus on multifamily balances. Positive year over year change shows that a bank added CRE loans, though it does not establish the type, location or terms of new originations. Concentration supplies another screening measure because a bank with substantial CRE exposure may be selective about additional loans. After screening, borrowers still need direct conversations about property, sponsorship, relationship requirements and current credit interest.

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Loan mix and concentration show distinct areas of activity

The largest portfolios contain different mixes. WesBanco Bank, Inc. reports $1.7 billion in construction and land loans, $1.7 billion in multifamily loans, $3.0 billion in owner occupied loans and $4.3 billion in investor nonfarm nonresidential loans. City National Bank of West Virginia is weighted toward investor nonfarm nonresidential loans at $1.1 billion, compared with $237.1 million in owner occupied loans and $232.6 million in multifamily loans. MVB Bank, Inc. also has a substantial investor nonfarm nonresidential balance of $819.2 million within its $1.3 billion CRE portfolio.

Concentration measures add context to those balances. CRE represents 55.2% of total loans at WesBanco Bank, Inc., 52.6% at MVB Bank, Inc. and 54.3% at Potomac Bank. Investor CRE to equity is 3.40x at MCNB Bank and Trust Co., 3.27x at MVB Bank, Inc. and 3.13x at Potomac Bank, all high relative to many banks in the table. By comparison, Citizens Bank of West Virginia, Inc. reports 0.88x and FNB Bank, Inc. reports 0.97x. These figures describe portfolio exposure, not current approval standards.

Local branches and nonbank lenders broaden the financing search

Banks headquartered outside West Virginia also serve the state through local branches, but they are not included in the headquarters based ranking. The FDIC Summary of Deposits 2026 shows United Bank with 48 West Virginia branches and $7.0 billion in state deposits. Truist Bank has 42 branches and $6.0 billion in deposits, while The Huntington National Bank has 26 branches and $2.8 billion. Their institutionwide CRE portfolios are $14.2 billion, $51.0 billion and $37.9 billion, respectively. These figures can help borrowers identify additional banks with a local presence.

Other branch based options include JPMorgan Chase Bank, N.A., with 17 branches and $2.3 billion in West Virginia deposits, and Burke & Herbert Bank & Trust Company, with 32 branches and $2.3 billion. Borrowers can also compare debt funds, life companies, CMBS, agency and SBA lenders. Those nonbank sources do not file bank call reports and therefore do not appear in this ranking. Comparing several lender types can clarify which sources are active for a particular property and transaction, while conversations with local bank teams can establish whether the opportunity fits current relationship and portfolio considerations.

Frequently Asked Questions

Which bank is the largest commercial real estate lender headquartered in West Virginia?

WesBanco Bank, Inc. ranks first with $10.8 billion in total commercial real estate loans as of June 30, 2026. Its portfolio includes $1.7 billion in construction and land loans, $1.7 billion in multifamily loans, $3.0 billion in owner occupied loans and $4.3 billion in investor nonfarm nonresidential loans. CRE represents 55.2% of its total loans, and its investor CRE to equity ratio is 1.83x. WesBanco also ranks 45 nationally among the 4,167 banks covered by the FDIC Call Report comparison.

How current is BestCRE’s West Virginia bank lender ranking?

The portfolio figures come from FDIC Call Reports as of June 30, 2026. These regulatory filings report each bank’s balance sheet loans by major category, including construction and land, multifamily, owner occupied and investor nonfarm nonresidential loans. Local branch and deposit figures come from the FDIC Summary of Deposits 2026. The benchmark rates are dated Oct 26, 2026: the Prime rate is 7.00%, SOFR is 3.89%, the 5 year Treasury is 4.78%, the 10 year Treasury is 4.96%, and Fed funds is 3.88%.

Which West Virginia banks reported the fastest CRE loan growth?

Freedom Bank, Inc. reports the largest year over year change in the table at +361.4%, bringing total CRE loans to $145.4 million. Citizens Bank of West Virginia, Inc. follows at +62.0% with a $150.2 million CRE portfolio. Capon Valley Bank reports +29.2%, CNB Bank, Inc. reports +16.3%, and West Union Bank reports +15.0%. These changes show movement in total reported CRE balances. They do not identify the properties, markets or transaction types behind that movement, so borrowers should treat growth as a screening signal rather than evidence of current credit availability.

How concentrated is commercial real estate lending among West Virginia banks?

West Virginia has 40 headquartered banks with $16.9 billion in total CRE loans, and the top five account for 85.3% of that amount. State headquartered bank CRE balances increased +5.7% year over year. At the institution level, concentration varies substantially. MCNB Bank and Trust Co. reports CRE equal to 62.9% of total loans, compared with 20.8% at The Poca Valley Bank, Inc. The statewide and bank level measures describe different things: one shows how balances are distributed among institutions, while the other shows CRE’s importance within an individual bank’s loan portfolio.

What does investor CRE to equity mean when comparing banks?

Investor CRE to equity compares investor commercial real estate loans with total equity capital. Investor CRE includes construction, multifamily and non owner occupied nonfarm loans. A higher ratio indicates greater exposure relative to capital and can signal that a bank will be selective, though it does not determine whether a particular loan will be considered. MCNB Bank and Trust Co. reports 3.40x, MVB Bank, Inc. reports 3.27x, and Potomac Bank reports 3.13x. Lower ratios in the table include 0.88x at Citizens Bank of West Virginia, Inc. and 0.97x at FNB Bank, Inc.

More BestCRE lender rankings

Best CRE Lenders: the national top 100 Best construction loan lenders Best multifamily bank lenders Best owner occupied CRE lenders Fastest growing CRE bank lenders

CRE lenders by state

October 27, 2026

Best CRE Lenders in Wisconsin 2026: Commercial Real Estate Bank Lenders Ranked

Quick answerBestCRE ranks Associated Bank, N.A. first among Wisconsin headquartered commercial real estate lenders, with $10.6 billion in total CRE loans as of June 30, 2026. Nicolet National Bank follows with $4.9 billion, while Johnson Bank holds $2.7 billion. The ranking measures each bank’s total commercial real estate loan book using FDIC Call Reports. It compares balance sheet size and composition, not loan pricing, approval standards or current availability for a particular property.

Wisconsin’s largest locally headquartered CRE bank lenders vary substantially in portfolio size, property mix, growth and concentration. The 25 banks in the ranking hold $40.4 billion in total commercial real estate loans, including $6.4 billion of construction and land loans, $10.3 billion of multifamily loans, $9.5 billion of owner occupied loans and $14.2 billion of investor nonfarm nonresidential loans. BestCRE ranks the institutions by total CRE loans reported on FDIC Call Report schedule RC-C as of June 30, 2026. The figures describe loans already held on each bank’s balance sheet rather than commitments available to new borrowers.

The ranking covers banks headquartered in Wisconsin. The state had 151 headquartered banks with $57.1 billion in combined CRE loans, up +13.8% year over year. The top five accounted for 39.3% of that total. Banks headquartered elsewhere are excluded from the ranking even when they operate Wisconsin branches and hold significant deposits in the state. That distinction matters because a borrower may encounter both local institutions and national or regional banks during a financing search. The FDIC Summary of Deposits 2026 provides the branch and deposit information used to identify the out of state banks with a local presence.

Prime rate 7.00%SOFR 3.89%5 year Treasury 4.78%10 year Treasury 4.96%Fed funds 3.88%Benchmarks as of Oct 26, 2026

Wisconsin banks ranked by total CRE loans

Rank	Bank	Headquarters	Total CRE loans ($M)	Construction and land ($M)	Multifamily ($M)	Owner occupied ($M)	Change, 1 year	CRE share of loans
1	Associated Bank, N.A.	Green Bay, WI	$10,594	$2,546	$2,463	$1,575	+25.8%	29.0%
2	Nicolet National Bank	Green Bay, WI	$4,900	$732	$737	$1,675	+89.8%	43.5%
3	Johnson Bank	Racine, WI	$2,664	$313	$807	$633	-1.3%	49.5%
4	Bank First, N.A.	Manitowoc, WI	$2,227	$242	$452	$828	+24.8%	49.2%
5	First Business Bank	Madison, WI	$2,054	$235	$653	$404	+12.9%	57.3%
6	One Community Bank	Oregon, WI	$1,662	$300	$334	$338	+18.9%	74.6%
7	Bank Five Nine	Oconomowoc, WI	$1,603	$253	$26.1	$1,159	+10.9%	78.0%
8	Lake Ridge Bank	Middleton, WI	$1,491	$186	$522	$329	+2.5%	60.8%
9	WaterStone Bank, SSB	Wauwatosa, WI	$1,174	$67.9	$782	$108	+5.1%	64.0%
10	North Shore Bank	Brookfield, WI	$986	$45.8	$832	$56.4	+11.6%	47.7%
11	CCFBank, N.A.	Altoona, WI	$953	$66.1	$253	$256	+4.0%	68.9%
12	Tri City National Bank	Oak Creek, WI	$930	$52.2	$263	$151	+0.7%	79.8%
13	National Exchange Bank and Trust	Fond Du Lac, WI	$928	$148	$96.5	$138	-7.4%	54.6%
14	The Park Bank	Madison, WI	$908	$71.8	$305	$132	-0.3%	69.5%
15	National Bank of Commerce	Superior, WI	$894	$179	$158	$190	+2.6%	52.0%
16	Town Bank, N.A.	Hartland, WI	$860	$167	$241	$158	-0.4%	24.5%
17	Bank of Wisconsin Dells	Wisconsin Dells, WI	$718	$176	$29.9	$173	+7.0%	85.0%
18	River Bank	Stoddard, WI	$708	$41.8	$348	$83.8	+3.8%	83.1%
19	Horicon Bank	Horicon, WI	$683	$107	$65.3	$266	+7.1%	49.7%
20	Peoples State Bank	Wausau, WI	$670	$84.9	$68.1	$282	+3.1%	58.3%
21	IncredibleBank	Wausau, WI	$614	$64.8	$63.0	$243	+3.2%	38.4%
22	Waukesha State Bank	Waukesha, WI	$598	$200	$130	$185	+5.9%	49.3%
23	Citizens Bank	Mukwonago, WI	$551	$69.0	$72.6	$105	+0.3%	72.6%
24	DMB Community Bank	Madison, WI	$541	$1.5	$446	$6.2	+6.9%	81.5%
25	Bankers’ Bank	Madison, WI	$509	$68.8	$186	$40.1	-13.2%	45.4%

Associated Bank, N.A. leads with $10.6 billion in CRE loans and +25.8% year over year growth. Nicolet National Bank ranks second at $4.9 billion after +89.8% growth, while Johnson Bank ranks third with $2.7 billion and a -1.3% change. Portfolio mixes differ sharply. Associated Bank reports $4.0 billion of investor nonfarm nonresidential loans, while Bank Five Nine holds $1.2 billion of owner occupied loans within a $1.6 billion CRE book. North Shore Bank’s $985.8 million portfolio includes $831.6 million of multifamily loans. Concentration also varies. CRE represents 29.0% of loans at Associated Bank and 85.0% at Bank of Wisconsin Dells. Investor CRE to equity ranges from 1.38x at National Exchange Bank and Trust to 6.02x at DMB Community Bank. A high ratio relative to peers can indicate that a bank will be selective about additional exposure.

Out of state banks with branches in Wisconsin

Bank	Headquarters state	Branches in Wisconsin	Deposits in Wisconsin ($M)	Total CRE loans, all states ($M)
U.S. Bank, N.A.	Ohio	90	$33,773	$50,718
BMO Bank, N.A.	Illinois	145	$22,000	$28,802
JPMorgan Chase Bank, N.A.	Ohio	65	$13,682	$179,847
Wells Fargo Bank, N.A.	South Dakota	30	$4,087	$121,623
Old National Bank	Indiana	31	$3,806	$23,021
PNC Bank, N.A.	Delaware	24	$1,884	$47,133
UMB Bank, N.A.	Missouri	11	$1,147	$15,713
The Huntington National Bank	Ohio	15	$945	$37,932
First-Citizens Bank & Trust Company	North Carolina	7	$528	$38,808
First American Bank	Illinois	3	$423	$1,232
Frandsen Bank & Trust	Minnesota	4	$388	$982
First Mid Bank & Trust, N.A.	Illinois	3	$359	$3,676

Source: FDIC Summary of Deposits 2026. Deposits and branches are for Wisconsin only; CRE loans are bank wide.

Portfolio evidence can guide a focused loan search

A large CRE book can indicate appetite and balance sheet capacity to hold commercial property loans. The property categories then show where that activity has occurred. Borrowers can compare construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances with the financing need at hand. Growth adds another signal: a rising portfolio identifies a bank that has been adding CRE loans, while a decline shows that reported balances have contracted. These measures help produce a practical call list, but they do not establish whether a bank will approve a specific request.

Concentration should be read alongside size and growth. CRE share of loans shows how important commercial property credit is within the overall loan portfolio. Investor CRE to equity measures construction, multifamily and non owner occupied nonfarm loans against total equity capital. A comparatively high ratio may signal greater selectivity even when the bank has a substantial CRE book. Bank lending remains relationship driven and local, so borrowers should contact several institutions, describe the property and requested structure consistently, and compare the responses rather than treating rank alone as a lending decision.

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Loan mix reveals distinct areas of reported activity

Associated Bank, N.A. has the largest balance in every reported category among the ranked banks, including $2.5 billion in construction and land, $2.5 billion in multifamily, $1.6 billion in owner occupied, and $4.0 billion in investor nonfarm nonresidential loans. Other institutions show more concentrated mixes. WaterStone Bank, SSB reports $781.9 million of multifamily loans within a $1.2 billion CRE portfolio. DMB Community Bank reports $445.7 million of multifamily loans and only $1.5 million of construction and land loans within its $540.9 million total.

Owner occupied lending is especially prominent at Bank Five Nine, where the category accounts for $1.2 billion of a $1.6 billion CRE book. Nicolet National Bank reports $1.7 billion of owner occupied loans and $1.8 billion of investor nonfarm nonresidential loans. Concentration measures add context to those balances. One Community Bank reports CRE equal to 74.6% of loans and investor CRE to equity of 3.98x. First Business Bank reports 57.3% and 3.68x, respectively. These figures describe portfolio composition and relative exposure, not current credit terms or approval criteria.

Wisconsin borrowers have additional bank and nonbank options

Out of state banks can be important local competitors even though they are not ranked with Wisconsin headquartered institutions. U.S. Bank, N.A., headquartered in Ohio, has 90 Wisconsin branches and $33.8 billion of deposits in the state. BMO Bank, N.A., headquartered in Illinois, has 145 branches and $22.0 billion of Wisconsin deposits. JPMorgan Chase Bank, N.A. has 65 branches and $13.7 billion of deposits in the state. Their total CRE loan figures, including $50.7 billion for U.S. Bank and $179.8 billion for JPMorgan Chase Bank, cover all states rather than Wisconsin alone.

Borrowers can also compare banks with debt funds, life companies, CMBS lenders, agency lenders and SBA lenders. These nonbank sources do not appear in bank call reports, so this ranking cannot measure their activity or availability. Each lender category evaluates transactions under its own requirements, and a bank’s reported portfolio does not reveal the terms it may offer on a new request. Comparing several sources helps borrowers assess fit across property type, relationship requirements and proposed financing structure while keeping the distinction between reported balance sheet history and a current lending decision clear.

Frequently Asked Questions

Where does the Wisconsin CRE lender ranking come from?

BestCRE uses FDIC Call Reports, formally called Reports of Condition and Income, with loan balances taken from schedule RC-C as of June 30, 2026. The ranking orders Wisconsin headquartered banks by total commercial real estate loans. FDIC Summary of Deposits 2026 information is used separately to identify banks headquartered outside Wisconsin that maintain branches and deposits in the state. Call reports provide standardized balance sheet categories, making comparisons possible across institutions, but they do not disclose property specific quotes, underwriting decisions or whether a lender is accepting a particular type of application.

How much CRE lending is held by Wisconsin headquartered banks?

The 151 banks headquartered in Wisconsin report $57.1 billion in total commercial real estate loans as of June 30, 2026. Their combined CRE balance increased +13.8% year over year. The 25 institutions shown in the ranked table account for $40.4 billion, while the top five hold 39.3% of the statewide total for headquartered banks. These totals measure loans held on reported bank balance sheets. They do not include debt funds, life companies, CMBS lenders, agency lenders or SBA lenders, and they do not assign the loans to particular properties within Wisconsin.

Which Wisconsin bank had the strongest CRE growth?

Nicolet National Bank reports the largest positive year over year change among the ranked banks at +89.8%, bringing its total CRE portfolio to $4.9 billion as of June 30, 2026. Associated Bank, N.A. reports +25.8% growth and Bank First, N.A. reports +24.8%. Growth shows which balance sheets added CRE loans over the reporting period, but it does not identify the source of the change or establish that the same pace will continue. Borrowers should treat growth as one screening measure and confirm current interest directly with each institution.

How does Wisconsin’s largest CRE bank rank nationally?

Associated Bank, N.A. is the largest Wisconsin headquartered institution in this ranking, with $10.6 billion in total CRE loans and a national rank of 48. Nicolet National Bank has a national rank of 108 with $4.9 billion, while Johnson Bank ranks 178 nationally with $2.7 billion. National rank places each institution within the broader group of 4,167 banks, which collectively report $3.07 trillion of CRE loans. It measures portfolio size across bank headquarters and does not show how much of a multistate institution’s lending occurred in Wisconsin.

Do the benchmark rates show what Wisconsin banks will charge?

No. The benchmark rates provide market context, not quotes from the ranked banks. As of Oct 26, 2026, the Prime rate is 7.00%, SOFR is 3.89%, the 5 year Treasury is 4.78%, the 10 year Treasury is 4.96%, and Fed funds is 3.88%. A bank’s call report does not disclose the rate, spread, fees or other terms it would apply to a new commercial real estate loan. Borrowers need current proposals from individual lenders to compare actual pricing and structure for a specific property and transaction.

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