Category: CRE Market Analytics & Data

Oklahoma’s largest headquartered commercial real estate bank lenders vary substantially in scale, portfolio mix and concentration. The 25 banks in the table hold $46.1 billion in total CRE loans, including $8.7 billion in construction and land loans, $5.3 billion in multifamily loans, $12.2 billion in owner occupied loans and $19.9 billion in investor nonfarm nonresidential loans. BestCRE ranks them by total commercial real estate loans reported on June 30, 2026. The figures come from FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. They measure loans held on each bank’s balance sheet, not lending commitments, production volume or loans secured only by properties in Oklahoma.

Oklahoma had 167 headquartered banks with $58.2 billion in combined CRE loans, up +6.4% year over year. The top five held 55.8% of that total, showing that much of the reported balance is concentrated among a small group of institutions. For comparison, 4,167 banks nationally reported $3.07 trillion in total CRE loans. The ranking is a starting point for identifying banks with relevant balance sheet exposure, but it is not a judgment about approval likelihood or loan terms. Borrowers should compare portfolio size, property type mix, recent growth and concentration, then speak directly with several lenders about current interest and fit.

Oklahoma banks ranked by total CRE loans

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 25 of 167 banks headquartered in Oklahoma.

BOKF, N.A. leads with $11.3 billion in CRE loans, followed by MidFirst Bank at $9.3 billion and First United Bank and Trust Company at $6.0 billion. Their mixes differ. BOKF, N.A. reports $3.8 billion in owner occupied loans and $4.0 billion in investor nonfarm nonresidential loans, while MidFirst Bank reports $4.5 billion in investor nonfarm nonresidential loans. First United Bank and Trust Company has $1.6 billion in construction and land loans. Growth is broad but uneven. Valliance Bank reports +32.5%, Regent Bank +31.4% and Mabrey Bank +24.8%, while Liberty National Bank reports -5.5%. Concentration also varies. Kirkpatrick Bank has CRE equal to 79.9% of total loans and an investor CRE to equity ratio of 5.30x, both high relative to the table. MidFirst Bank reports 27.6% and 1.57x, respectively.

Out of state banks with branches in Oklahoma

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

The ranking is a starting point for a bank loan search

Total CRE loans indicate the size of a bank’s existing commercial property book and can help borrowers identify institutions with demonstrated appetite and balance sheet hold capacity. BOKF, N.A., MidFirst Bank and First United Bank and Trust Company lead the Oklahoma headquartered group with $11.3 billion, $9.3 billion and $6.0 billion, respectively. Size alone does not establish fit. A borrower should compare the relevant property category, recent portfolio growth and concentration before contacting a bank. The national rank provides additional scale context, with the three leaders ranked 42, 62 and 90 among the 4,167 banks covered.

Growth can show which banks are adding CRE loans, although it does not identify new originations or current approval standards. Regent Bank reports +31.4% year over year growth, Armstrong Bank +21.0% and First Oklahoma Bank +20.4%. By contrast, InterBank reports -2.0% and RCB Bank -4.9%. A larger or growing portfolio can merit a call, but bank lending remains relationship driven and local. Borrowers should discuss the property, sponsorship and requested structure directly with several institutions because reported balances cannot show whether a bank is seeking a particular transaction at the time of inquiry.

Loan mix and concentration show where balance sheets are most active

The category columns reveal meaningful differences in portfolio emphasis. BOKF, N.A. has the largest multifamily balance at $2.0 billion, while First United Bank and Trust Company reports $1.6 billion in construction and land loans. MidFirst Bank’s largest reported CRE category is investor nonfarm nonresidential at $4.5 billion. At InterBank, construction and land loans total $878.5 million and investor nonfarm nonresidential loans total $1.6 billion, compared with $113.7 million in owner occupied loans. These figures help borrowers identify balance sheets with substantial exposure to a relevant loan category, without indicating terms or current availability.

CRE share of total loans and investor CRE to equity add context about concentration. Kirkpatrick Bank reports a 79.9% CRE share and a 5.30x investor CRE to equity ratio, both high relative to other banks in the table. First Fidelity Bank reports 66.2% and 3.79x, while First Oklahoma Bank reports 65.2% and 4.75x. BOKF, N.A. reports 41.8% and 1.31x. Concentration can signal that a bank will be selective even when its CRE portfolio is substantial. Borrowers should therefore read concentration alongside absolute balances, category mix and growth rather than treating any single measure as decisive.

Oklahoma borrowers can compare local banks with other capital sources

The ranking covers banks headquartered in Oklahoma, not every bank operating there. FDIC Summary of Deposits 2026 data show several out of state institutions with local branches. Arvest Bank, headquartered in Arkansas, has 79 Oklahoma branches and $7.2 billion in Oklahoma deposits. JPMorgan Chase Bank, N.A., headquartered in Ohio, has 29 branches and $7.1 billion in deposits, while Bank of America, N.A., headquartered in North Carolina, has 18 branches and $6.7 billion. Their reported total CRE loans across all states are $7.5 billion, $179.8 billion and $79.9 billion, respectively.

Borrowers can also compare banks with debt funds, life companies, CMBS, agency and SBA lenders. Those sources do not appear in bank Call Reports, so this ranking cannot represent the full financing market. Each lender type evaluates opportunities under its own current requirements, and reported bank balances do not disclose pricing, structure or transaction eligibility. Comparing several sources gives a borrower a broader view of potential fit. The useful approach is to identify banks with relevant scale and portfolio mix, include out of state banks with an Oklahoma branch presence, and assess appropriate nonbank alternatives for the property and requested financing.

Frequently Asked Questions

How does BestCRE rank Oklahoma commercial real estate lenders?

BestCRE ranks banks headquartered in Oklahoma by total commercial real estate loans reported as of June 30, 2026. The source is FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. Total CRE combines construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances. The table covers 25 institutions with $46.1 billion in combined CRE loans. It measures loans held on bank balance sheets, not originations, commitments, approvals or property specific lending inside Oklahoma. FDIC Summary of Deposits 2026 data are used separately to identify out of state banks with branches and deposits in Oklahoma.

Which Oklahoma bank has the largest construction loan balance?

First United Bank and Trust Company reports the largest construction and land balance in the ranked table at $1.6 billion. The Durant headquartered bank has $6.0 billion in total CRE loans, including $963.8 million in multifamily loans, $1.1 billion in owner occupied loans and $2.4 billion in investor nonfarm nonresidential loans. BOKF, N.A. reports $1.5 billion in construction and land loans, while MidFirst Bank reports $1.1 billion. These balances show the size of each bank’s held portfolio as of June 30, 2026, but they do not establish current construction lending availability or transaction requirements.

Which ranked Oklahoma bank grew its CRE portfolio fastest?

Valliance Bank reports the highest year over year CRE growth in the table at +32.5%. The Oklahoma City headquartered bank has $434.6 million in total CRE loans, consisting of $97.3 million in construction and land, $2.4 million in multifamily, $125.5 million in owner occupied and $209.5 million in investor nonfarm nonresidential loans. Regent Bank follows with +31.4%, and Mabrey Bank reports +24.8%. Growth identifies changes in reported balances between Call Report periods. It does not distinguish originations from repayments, sales, acquisitions or other balance sheet changes, and it does not indicate future lending activity.

What interest rate benchmarks should CRE borrowers monitor?

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 are market benchmarks, not quoted loan rates from the banks in the ranking. The FDIC data do not report the pricing, spread, fees or structure available for a new transaction. Borrowers can use the benchmarks as general context when speaking with lenders, while recognizing that an actual proposal depends on the lender’s current requirements and the specific transaction. Several proposals are needed for a useful comparison.

Why do the figures not measure each bank’s Oklahoma lending?

FDIC Call Reports generally present each bank’s balance sheet at the institution level, so the CRE totals include loans across every state where that bank operates. BOKF, N.A.’s $11.3 billion balance therefore represents total bank CRE loans, not only loans secured by Oklahoma properties. The same distinction applies to out of state banks. JPMorgan Chase Bank, N.A. has 29 Oklahoma branches and $7.1 billion in Oklahoma deposits, but its $179.8 billion in total CRE loans covers all states. Headquarters and branch presence establish the grouping used on the page; they do not provide a geographic allocation of reported CRE loans.

More BestCRE lender rankings

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.

Axos Bank is a San Diego, California based institution established in 2000 and owned by Axos Financial Inc. It operates with a compact physical footprint of 3 domestic offices but maintains a substantial national commercial real estate lending business. As of June 30, 2026, the bank reported $28.9 billion in total assets, $25.0 billion in total loans and $5.6 billion in total CRE loans. CRE represented 22.5% of all loans. Those figures place Axos among the larger CRE lenders nationally, despite its limited branch network, and indicate that commercial property finance is a meaningful part of its broader lending operation.

For borrowers, Axos stands out for its combination of bridge lending, construction exposure and small-balance commercial mortgage programs. The bank says its Commercial Real Estate Specialty Lending division serves owners, investors and developers, with streamlined processing, fast closings and in-house lending decisions. It also says its underwriting can accommodate complex income scenarios, high loan amounts and unique properties. Recent announced transactions span multifamily, industrial, office, retail, hotel and mixed-use assets in markets including New York, Phoenix, Austin, Los Angeles and Raleigh. These examples show broad transaction activity, although they do not establish that every property, geography or loan request will qualify.

Axos holds a $5.6 billion CRE book led by investor properties

FDIC filings show $5.6 billion of total CRE loans at Axos Bank as of June 30, 2026. The portfolio ranks 94 of 4,167 banks nationally and 8 of 111 banks headquartered in California. Investor nonfarm nonresidential lending is the largest component at $3.0 billion, representing 53.9% of the CRE book and ranking 76 nationally within that segment. Construction and land loans total $1.2 billion, equal to 21.8% of CRE loans, with a national segment rank of 68. Multifamily loans also total $1.2 billion and represent 21.1%, ranking 90 nationally. This mix gives borrowers a clearer indication of where Axos has accumulated CRE exposure, but it should not be read as a commitment to originate a particular property type.

Owner occupied CRE is a much smaller part of the reported portfolio at $183.9 million, or 3.3% of total CRE loans. Axos ranks 528 nationally in that segment, substantially below its overall CRE position. The contrast suggests that its reported CRE book is oriented more toward investment property, development and commercial real estate specialty lending than toward buildings occupied by operating businesses. Separately, Axos reported a $7.235 billion Commercial Real Estate Specialty balance at March 31, 2026. That company-defined portfolio included $3.337 billion of construction loans, $2.872 billion of bridge loans, $895 million of stabilized loans and $131 million of pre-development loans. These company figures use a different portfolio classification and reporting date from the FDIC total.

Source: FDIC Call Report as of June 30, 2026, schedule RC-C. FDIC record for Axos Bank.

CRE balances have recovered since 2024 while concentration remains meaningful

Axos reported $5.2 billion in total CRE loans at June 30, 2021, followed by $7.0 billion in 2022. The balance then declined to $5.8 billion in 2023 and $5.1 billion in 2024 before rising to $5.2 billion in 2025 and $5.6 billion in 2026. The latest amount represents an 8.5% year over year increase and an 8.7% increase since June 30, 2021. CRE accounts for 22.5% of total loans, while investor CRE equals 1.93x equity. Axos also reported that its Commercial Real Estate Specialty balance increased from $5.713 billion at June 30, 2025 to $7.235 billion at March 31, 2026. In its fiscal third-quarter 2026 earnings release, the bank said real estate loans and structured credits continued to perform well, with very low levels of nonperformers and net charge-offs.

Recent financings reflect bridge, construction and refinancing activity

Recent press reports show Axos financing a wide range of transactions. Announced construction loans included $84.7 million for The Whitney, a 328-unit apartment and retail tower in Phoenix, and $147 million for Highline Glenwood, a 306-unit residential and retail tower in Raleigh. Another report identified a $169 million construction loan for a logistics development in Long Island City. Refinancings included $180 million for a 34-property industrial outdoor storage portfolio across 12 states, $15.85 million for a 48-unit Pasadena multifamily property and $7.3 million for an industrial property in Queens. Press reports also identified a $40 million acquisition loan for three multifamily properties in Brooklyn and smaller loans involving office, hotel and mixed-use properties. These announcements illustrate completed activity rather than standard terms available to new applicants.

Axos says its Commercial Real Estate Specialty Lending division specializes in bridge loans for owners, investors and developers. The bank emphasizes streamlined processing, fast closings and lending decisions made in-house. It also says its commercial underwriting accommodates complex income scenarios, high loan amounts and unique properties. For smaller transactions, Axos offers small-balance commercial real estate programs for commercial mortgage brokers, investors and property owners nationwide. At March 31, 2026, the bank reported that 59 percent of its Commercial Real Estate Specialty balance used indirect note structures with first-payment priority and had a 41 percent weighted-average loan-to-value ratio. That portfolio statistic is not a quoted leverage limit for new loans.

Financings publicly announced by the bank, its borrowers or their advisors, as reported by the linked source. Not a complete record of the bank’s lending.

A national lending profile extends well beyond the branch network

Axos has only 3 domestic offices, with 1 branch each in California, Nevada and Utah. The California office holds $23.1 billion in deposits, compared with $1.6 billion in Nevada and $162.0 million in Utah. Its announced financings, however, reach markets far beyond those states, including New York, Arizona, Texas and North Carolina. The bank also describes its small-balance CRE program as nationwide. Comparable banks by size and CRE mix include First Hawaiian Bank with $5.3 billion in CRE loans, Bank of Hawaii with $4.4 billion, S&T Bank with $4.0 billion, Preferred Bank with $3.8 billion, Southside Bank with $3.3 billion and The Northern Trust Company with $6.4 billion. Axos sits toward the upper end of this peer set by reported CRE volume.

Axos may fit experienced owners, investors and developers seeking bridge, construction, acquisition or refinancing capital, particularly where the property or borrower involves a complex income profile or unusual collateral. Its announced transactions range from smaller urban properties to large development and portfolio financings, while its stated small-balance program broadens the potential borrower base. Borrowers should still evaluate pricing against current market benchmarks. As of Oct 26, 2026, the Prime rate was 7.00%, SOFR was 3.89%, the 5 year Treasury was 4.78% and the 10 year Treasury was 4.96%. These are market references, not Axos loan quotes or promised pricing.

Peer banks with a similar CRE book

Frequently Asked Questions

Does Axos Bank make commercial real estate loans?

Yes. Axos Bank reported $5.6 billion in total commercial real estate loans as of June 30, 2026. Its stated focus includes bridge lending for owners, investors and developers, along with small-balance commercial real estate programs for commercial mortgage brokers, investors and property owners nationwide. The bank also says its underwriting can address complex income scenarios, high loan amounts and unique properties. Actual availability, structure and approval will depend on the proposed transaction and the bank’s underwriting.

How large is Axos Bank’s commercial real estate portfolio?

Axos Bank’s total CRE portfolio was $5.6 billion as of June 30, 2026, according to FDIC filings. CRE represented 22.5% of its $25.0 billion total loan portfolio. The bank ranked 94 of 4,167 institutions nationally by CRE loans and 8 of 111 banks headquartered in California. Axos separately reported a $7.235 billion Commercial Real Estate Specialty balance at March 31, 2026, using its own portfolio classification and a different reporting date.

What types of commercial properties does Axos Bank finance?

Axos finances several commercial property categories. Its FDIC portfolio includes $3.0 billion of investor nonfarm nonresidential loans, $1.2 billion of construction and land loans, $1.2 billion of multifamily loans and $183.9 million of owner occupied CRE loans. Recent press reports describe financings involving apartments, industrial properties, offices, retail space, hotels, mixed-use buildings and development sites. Those holdings and announced transactions demonstrate prior activity, but they do not guarantee that Axos will approve a new loan for any particular asset.

Does Axos Bank lend outside California?

Yes. Axos describes its small-balance commercial real estate program as nationwide, and recent announced financings include properties in New York, Arizona, Texas, North Carolina and California. This reach is broader than its physical network of 3 domestic offices, located in California, Nevada and Utah. Press reports include large construction and portfolio loans as well as smaller acquisition and refinancing transactions. Borrowers outside the branch states may therefore be potential candidates, subject to the bank’s property, sponsorship and underwriting requirements.

Is Axos Bank a good fit for a CRE bridge or construction loan?

Potentially. Axos says its Commercial Real Estate Specialty Lending division specializes in bridge loans for owners, investors and developers. At March 31, 2026, its specialty portfolio included $3.337 billion of construction loans and $2.872 billion of bridge loans. Recent press reports also identify construction financing of $84.7 million for The Whitney in Phoenix and $147 million for Highline Glenwood in Raleigh. These examples indicate relevant experience, although borrowers must obtain transaction-specific terms directly from the bank.

Related BestCRE lender research

BestCRE lender profiles are editorially independent and built from public regulatory filings and public announcements; no bank pays for a profile. Call report figures describe loans held on the bank’s balance sheet and do not show current terms or appetite. BestCRE is not a lender and is not affiliated with Axos Bank. See our Legal Disclaimer and Compensation Disclosure.

Western Alliance Bank combines a sizable national CRE portfolio with a relatively compact branch network. Established in 2003 and headquartered in Phoenix, Arizona, the bank reported $98.6 billion in total assets and $65.6 billion in total loans as of June 30, 2026. Its $15.8 billion CRE book represented 24.1% of total loans. That scale places Western Alliance among the larger CRE lenders in the country, although borrowers should distinguish portfolio size from future credit appetite. The FDIC figures describe loans held by the bank, while current underwriting, property preferences and transaction terms remain subject to the bank’s review.

The portfolio is concentrated in investor nonfarm nonresidential property and construction and land loans rather than multifamily or owner occupied real estate. Western Alliance also describes a broad product scope covering acquisition and development term financing, construction loans, bridge financing, asset repositioning loans and CAPEX lines. Its stated property coverage includes industrial, hospitality, mixed-use, multifamily, office, retail, residential and charter-school assets. Recent announcements show activity in affordable housing, conventional multifamily, build-to-rent communities, hotel renovation and transitional commercial real estate lending. For borrowers, the clearest fit is a transaction requiring an experienced CRE platform with capacity for development, repositioning or institutional financing.

Western Alliance holds a large CRE book led by investor property loans

Western Alliance Bank held $15.8 billion in commercial real estate loans as of June 30, 2026, according to FDIC figures. This placed it 33 of 4,167 banks nationally by CRE loan volume and 1 of 11 banks headquartered in Arizona. CRE represented 24.1% of the bank’s $65.6 billion total loan portfolio. Investor nonfarm nonresidential loans were the largest component at $9.6 billion, accounting for 60.7% of CRE loans and ranking 19 nationally in that segment. The size of this category indicates substantial experience with income-producing commercial property, but the FDIC classification does not identify individual property types, underwriting standards or current origination preferences within the segment.

Construction and land loans totaled $4.1 billion, equal to 25.9% of the CRE portfolio and ranking 18 nationally in the segment. Owner occupied loans accounted for $1.5 billion, or 9.3%, with a national segment rank of 81. Multifamily loans were the smallest reported component at $648.7 million, representing 4.1% of CRE loans and ranking 143 nationally. The relatively modest balance in the FDIC multifamily category should not be read as an absence of housing activity. Western Alliance says its Multifamily Housing Finance Group provides nationwide financing for affordable, workforce, student, senior and conventional multifamily housing, and recent bank announcements include several affordable housing construction transactions.

Source: FDIC Call Report as of June 30, 2026, schedule RC-C. FDIC record for Western Alliance Bank.

The CRE portfolio has grown since 2021 while recent balances have eased

Western Alliance’s CRE loans increased from $10.3 billion at June 30, 2021 to $15.8 billion at June 30, 2026, a change of +53.5%. The balance rose to $12.6 billion in 2022 and $16.0 billion in 2023, remained at $16.0 billion in 2024, and reached $16.3 billion in 2025 before declining by -3.1% to the latest level. During 2025, loans held for investment grew by $5.0 billion, including a $330 million increase in CRE loans, while construction and land development loans declined by $424 million. Investor CRE equaled 1.80x equity as of June 30, 2026. That measure highlights portfolio concentration, but it does not by itself establish the bank’s current willingness to approve a particular property or borrower.

Recent financings demonstrate construction and transitional lending activity

Recent announcements illustrate a range of transactions. In August 2026, the press reported a $200 million credit facility for Urban Standard Capital supporting transitional commercial real estate loans. In July 2026, Western Alliance announced $33 million of construction financing for Marble Manor Phase I, a 138-unit mixed-income redevelopment in Las Vegas, NV. The press also reported a $68.75 million construction loan for Miroza Tower 4, a 174-unit luxury multifamily tower in Yonkers, NY. In April 2026, the bank announced $56.3 million for The Marvel in the Mission, a 136-unit permanent supportive housing development in San Francisco, CA. A broker reported financing for the 337-room Renaissance Dallas North Hotel renovation in March 2026, although no amount was disclosed.

The bank says it offers acquisition and development term financing, construction loans, bridge financing, asset repositioning loans and CAPEX lines across several property categories. Its institutional CRE team focuses on acquisition, vertical construction, term and bridge financing for core-plus and value-add real estate nationwide, with particular emphasis on the Western United States. In June 2026, Western Alliance hired Matthew Leivian to lead a Phoenix-based team and expand its national institutional CRE lending platform and loan portfolio. These statements and announced transactions indicate broad capabilities, but they do not establish quoted rates, leverage, amortization, recourse requirements or closing speed for a new application.

Financings publicly announced by the bank, its borrowers or their advisors, as reported by the linked source. Not a complete record of the bank’s lending.

Western Alliance has a western branch base and a national lending orientation

Western Alliance operates 38 domestic offices across 6 states. Its largest branch presence is in Nevada with 15 branches, followed by California with 11 and Arizona with 9. It also has 1 branch each in Illinois, New York and Colorado. Arizona branches hold $52.4 billion in deposits, compared with $20.6 billion in California and $7.3 billion in Nevada. The physical footprint is therefore concentrated in western markets, but the bank describes portions of its CRE and multifamily platforms as nationwide. Announced financings in New York, Texas and Georgia support that national orientation, while transactions in Arizona, Nevada and California show continued activity near its core branch markets.

By CRE volume, Western Alliance sits between Bank OZK at $18.1 billion and peers including United Bank at $14.2 billion and Goldman Sachs Bank USA at $13.5 billion. Borrowers that may fit include experienced sponsors seeking acquisition, construction, bridge, repositioning or CAPEX financing, particularly for core-plus or value-add projects. Affordable, workforce, student, senior and conventional housing sponsors may also find relevant expertise. Owner occupied borrowers should note that this segment represents $1.5 billion of the portfolio, materially less than investor nonfarm nonresidential and construction lending. Actual fit will depend on property, market, sponsorship, structure and the bank’s current credit standards.

Peer banks with a similar CRE book

Frequently Asked Questions

Does Western Alliance Bank make commercial real estate loans?

Yes. Western Alliance Bank held $15.8 billion in CRE loans as of June 30, 2026. The bank states that it provides acquisition and development term financing, construction loans, bridge financing, asset repositioning loans and CAPEX lines. Its stated property coverage includes industrial, hospitality, mixed-use, multifamily, office, retail, residential and charter-school assets. Available products for a particular borrower will depend on the transaction and the bank’s current underwriting standards.

How large is Western Alliance Bank’s commercial real estate portfolio?

Western Alliance Bank’s CRE portfolio totaled $15.8 billion as of June 30, 2026, according to FDIC figures. That balance represented 24.1% of its $65.6 billion total loan portfolio and ranked the bank 33 of 4,167 banks nationally. It was also 1 of 11 among banks headquartered in Arizona. The portfolio declined by -3.1% from June 30, 2025, after increasing from $10.3 billion at June 30, 2021.

What types of commercial real estate does Western Alliance Bank finance?

Western Alliance states that it finances industrial, hospitality, mixed-use, multifamily, office, retail, residential and charter-school properties. Its listed capabilities include acquisition and development term financing, construction loans, bridge financing, asset repositioning loans and CAPEX lines. The bank’s largest FDIC CRE category is investor nonfarm nonresidential at $9.6 billion, or 60.7% of CRE loans. Portfolio composition shows historical holdings, however, and does not guarantee financing for every property type.

Does Western Alliance Bank provide construction loans?

Yes. Western Alliance lists construction lending among its CRE capabilities and held $4.1 billion in construction and land loans as of June 30, 2026. Recent bank announcements include $33 million for Marble Manor Phase I in Las Vegas, NV and $56.3 million for The Marvel in the Mission in San Francisco, CA. These examples show construction activity across mixed-income and permanent supportive housing, but they do not establish standard pricing, leverage, recourse or completion requirements.

Is Western Alliance Bank a nationwide commercial real estate lender?

Yes, for parts of its platform. Western Alliance says its institutional CRE team provides financing nationwide, with particular emphasis on the Western United States, while its Multifamily Housing Finance Group also operates nationwide. The bank has 38 domestic offices across 6 states, concentrated in Nevada, California and Arizona. Announced financings in New York, Texas and Georgia indicate activity beyond that branch footprint. Geographic eligibility for a new request still depends on the property, sponsor, loan structure and current credit appetite.

Related BestCRE lender research

BestCRE lender profiles are editorially independent and built from public regulatory filings and public announcements; no bank pays for a profile. Call report figures describe loans held on the bank’s balance sheet and do not show current terms or appetite. BestCRE is not a lender and is not affiliated with Western Alliance Bank. See our Legal Disclaimer and Compensation Disclosure.

Valley National Bank combines a large commercial real estate portfolio with a concentrated regional branch network. Established in 1927 and headquartered in Passaic, New Jersey, the bank operates 232 domestic offices across 6 states. Its balance sheet included $66.2 billion of total assets and $52.5 billion of total loans as of June 30, 2026. CRE accounted for $30.4 billion, making property lending central to the bank rather than a secondary business. For borrowers, that scale suggests substantial experience across income producing properties, owner occupied real estate and construction, although portfolio holdings do not establish the terms or availability of any future loan.

Valley publicly describes a broad CRE offering that includes permanent, construction-to-permanent, for-sale construction, bridge, land and land-improvement loans, along with co-op credit lines and mortgages. It identifies apartment buildings, offices, warehouses and industrial facilities, mixed-use properties, retail centers, shopping centers, co-ops, specialty buildings, residential subdivisions and spot-lot projects as areas of focus. Recent press reports show activity in multifamily development, condominium construction, industrial properties, healthcare facilities and mixed-use projects. The strongest visible pattern is geographic: announced transactions cluster in New York, New Jersey and Florida, which also contain most of Valley’s branches and deposits.

Valley’s $30.4 billion CRE book is led by investor property loans

Valley held $30.4 billion of commercial real estate loans as of June 30, 2026, representing 57.8% of its $52.5 billion loan portfolio. The FDIC figures placed the bank 14 of 4,167 nationally by CRE loans and 1 of 47 among banks headquartered in New Jersey. Investor nonfarm nonresidential loans formed the largest category at $11.1 billion, or 36.7% of CRE loans, and ranked 16 nationally within that segment. Multifamily was close behind at $9.0 billion, or 29.8%, with a national segment rank of 8. Together, those holdings show that rental housing and investor owned commercial properties are prominent parts of Valley’s existing portfolio.

Owner occupied CRE added $7.7 billion, equal to 25.3% of the CRE book, and ranked 16 nationally within its segment. Construction and land loans were smaller at $2.5 billion, or 8.2%, with a national segment rank of 34. The mix gives Valley meaningful exposure to both operating businesses that own their premises and investors that depend on property income. Its investor CRE to equity ratio was 2.70x as of June 30, 2026, underscoring the importance of property lending to the balance sheet. Borrowers should treat this portfolio composition as evidence of historical lending activity, not as a promise that Valley will approve a particular property type, structure or loan amount.

Source: FDIC Call Report as of June 30, 2026, schedule RC-C. FDIC record for Valley National Bank.

CRE balances have risen since 2021 despite a recent pullback

Valley’s CRE portfolio increased from $19.3 billion at June 30, 2021 to $30.4 billion at June 30, 2026, a change of +57.6%. The path was uneven. Balances reached $26.9 billion in 2022, $31.6 billion in 2023 and $31.8 billion in 2024, before declining to $28.8 billion in 2025 and recovering by +5.2% year over year in 2026. Bank announcements said selective originations and portfolio activity lowered its CRE concentration ratio to about 353 percent in the first quarter of 2025 from 362 percent at year end 2024. During the second quarter of 2025, total CRE including construction declined $288.6 million, largely through normal repayments, while completed construction projects moved into permanent multifamily financing.

Recent financings show active construction and multifamily lending

Recent press reports indicate that Valley continued financing sizable development projects in its core markets. Transactions included a $120 million construction loan for a 495-unit development in Long Island City, a $72 million construction loan for two 99-unit Brooklyn projects and a $63.5 million construction loan for the planned 1,056-unit Azalea Cay apartment development in St. Petersburg. Other reported activity included a $30 million refinance of the 210-unit Park Towers complex in Miami and $54 million of preconstruction bridge financing for a planned two-tower, 1,460-unit residential project in Fort Lauderdale. These announcements demonstrate recent execution across construction, bridge and refinance transactions, but they do not define generally available proceeds, pricing, leverage or closing speed.

Valley’s stated product set spans permanent, construction-to-permanent, for-sale construction, bridge, land and land-improvement loans, plus co-op credit lines and mortgages. Its stated property focus includes apartments, offices, industrial facilities, mixed-use assets, retail centers and specialty buildings. During 2025, the bank emphasized owner occupied CRE growth and relationship focused small to midsize clients while permitting targeted runoff of transactional, nonrelationship investor loans. At year end 2025, CRE excluding construction totaled $26.8 billion, up $242.5 million, as owner occupied and multifamily growth partly offset lower non-owner-occupied balances. That strategy suggests relationship depth may matter alongside property quality and transaction structure.

Financings publicly announced by the bank, its borrowers or their advisors, as reported by the linked source. Not a complete record of the bank’s lending.

Valley’s strongest lending presence is in New Jersey, New York and Florida

Valley’s branch footprint is concentrated in markets that also appear frequently in its announced financings. New Jersey had 126 branches and $30.2 billion of deposits, while Florida had 42 branches and $10.2 billion. New York had 41 branches and $10.2 billion. The remaining footprint included 15 Alabama branches with $1.3 billion of deposits, 3 California branches with $2.3 billion and 1 Illinois branch with $201.5 million. In the third quarter of 2026, the bank said CRE including construction increased $343.5 million to $30.7 billion, driven by owner occupied healthcare and Florida originations plus construction advances in New York and Florida. Non-owner-occupied loans declined $145.7 million during the same quarter.

By CRE volume, Valley sits beside several much larger regional and national banking names. Its $30.4 billion portfolio matched TD Bank, N.A., compared with $34.7 billion at Manufacturers and Traders Trust Company, $26.9 billion at Citizens Bank, N.A. and $23.0 billion at Old National Bank. Valley may fit borrowers seeking an established relationship lender for owner occupied properties, multifamily assets or projects in its principal markets. The fit is less clear for borrowers seeking standardized terms without broader banking ties, given Valley’s stated emphasis on relationship focused small to midsize clients and targeted reduction of transactional, nonrelationship investor exposure.

Peer banks with a similar CRE book

Frequently Asked Questions

Does Valley National Bank make commercial real estate loans?

Yes. Valley National Bank held $30.4 billion of commercial real estate loans as of June 30, 2026. The bank describes permanent, construction-to-permanent, for-sale construction, bridge, land and land-improvement loans among its CRE products. It also identifies apartments, offices, warehouses, industrial facilities, mixed-use properties, retail centers, co-ops and specialty buildings as areas it serves. Availability and structure remain transaction specific, and the bank’s existing portfolio does not guarantee approval for a new borrower.

How large is Valley National Bank’s commercial real estate portfolio?

Valley’s CRE portfolio totaled $30.4 billion as of June 30, 2026, equal to 57.8% of its $52.5 billion total loan portfolio. The FDIC figures ranked it 14 of 4,167 banks nationally by CRE loans and 1 of 47 banks headquartered in New Jersey. The portfolio grew +5.2% year over year and +57.6% from June 30, 2021, although balances had moved both upward and downward during the intervening years.

What types of commercial properties does Valley National Bank finance?

Valley states that it finances a broad range of commercial properties. Its stated focus includes apartment buildings, offices, warehouses and industrial facilities, mixed-use properties, retail centers, shopping centers, co-ops, specialty buildings, residential subdivisions and spot-lot projects. The existing portfolio is led by investor nonfarm nonresidential loans at $11.1 billion, followed by multifamily at $9.0 billion and owner occupied CRE at $7.7 billion. Those balances describe current holdings rather than future credit availability.

Where does Valley National Bank make commercial real estate loans?

Valley’s clearest operating presence is in New Jersey, Florida and New York. Those states contain 126, 42 and 41 branches, respectively, and recent announced financings were concentrated in those markets. Press reports identified construction, bridge and refinance transactions in Brooklyn, Long Island City, Newark, Miami, St. Petersburg and Fort Lauderdale. Valley also has branches in Alabama, California and Illinois. A branch footprint does not establish that every CRE product is available in every market.

Is Valley National Bank a good fit for a multifamily or construction loan?

It may be, particularly for relationship oriented borrowers in Valley’s principal markets. Multifamily loans totaled $9.0 billion and ranked 8 nationally within that segment, while construction and land loans totaled $2.5 billion. Recent press reports included apartment and condominium construction loans in New York, New Jersey and Florida. Valley also states that it offers construction-to-permanent, for-sale construction and bridge loans. Borrowers still need to confirm current appetite, underwriting requirements, pricing and structure directly with the bank.

Related BestCRE lender research

BestCRE lender profiles are editorially independent and built from public regulatory filings and public announcements; no bank pays for a profile. Call report figures describe loans held on the bank’s balance sheet and do not show current terms or appetite. BestCRE is not a lender and is not affiliated with Valley National Bank. See our Legal Disclaimer and Compensation Disclosure.

New Mexico’s leading locally headquartered bank CRE lenders range from First American Bank, with $768.4 million in total commercial real estate loans, to Western Bank of Lordsburg, with $21.3 million. The ranked table covers 25 banks and $5.1 billion of CRE loans as of June 30, 2026. Those balances include $948.1 million of construction and land loans, $388.9 million of multifamily loans, $1.3 billion of owner occupied loans and $2.4 billion of investor nonfarm nonresidential loans. BestCRE uses FDIC Call Reports, including schedule RC-C, to compare portfolio size, composition, year over year change and concentration on a consistent basis.

The headquarters distinction matters. This ranking covers banks headquartered in New Mexico, not every institution that can make a commercial property loan in the state. The FDIC reported 28 banks headquartered in New Mexico, with $5.1 billion in total CRE loans and year over year growth of +9.3%. The top five held 55.3% of that total. Banks headquartered elsewhere also maintain New Mexico branches and can be significant local competitors. The FDIC Summary of Deposits 2026 identifies their in state branch networks and deposits, while Call Reports show each institution’s total CRE loans across all states. Borrowers should consider both groups when building a lender list.

New Mexico banks ranked by total CRE loans

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 25 of 28 banks headquartered in New Mexico.

First American Bank leads with $768.4 million in total CRE loans, including $414.0 million of investor nonfarm nonresidential loans. Citizens Bank of Las Cruces follows with $595.1 million and has the table’s largest multifamily balance at $105.1 million. InBank ranks third with $592.4 million, including $219.5 million of owner occupied loans. Growth varies considerably among the leaders. CNB Bank reported +33.5% year over year growth, while Century Bank reported -14.4%. Portfolio concentration also differs. Main Bank’s CRE loans equal 83.3% of total loans, compared with 40.0% at Century Bank. Citizens Bank of Las Cruces reports investor CRE to equity of 4.33x, while First National Bank of Alamogordo reports 4.91x. These figures describe existing balance sheets and help borrowers identify active lenders, but they do not establish current credit availability or approval terms.

Out of state banks with branches in New Mexico

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

Use portfolio size, growth and local presence to build a lender list

A large CRE portfolio can indicate appetite and capacity to hold commercial property loans, although it does not guarantee that a bank will pursue a particular request. Borrowers can begin with total CRE loans, then review the categories most relevant to the property. Construction and land, multifamily, owner occupied real estate and investor nonfarm nonresidential balances show where each bank has accumulated exposure. Year over year change helps distinguish banks adding CRE loans from those reporting contraction. Headquarters also matters because bank lending is relationship driven and local market presence can influence which institutions are practical candidates.

Concentration should be read alongside size and growth. A bank with a large CRE share or a high investor CRE to equity ratio may have substantial experience, but it can also be selective as it manages existing exposure. A smaller or less concentrated bank may still be relevant when its loan mix aligns with the property. Borrowers should use the ranking as a screening tool, contact several institutions and compare current interest, structure and execution requirements directly. The table cannot show whether a bank is actively quoting a particular property type, borrower profile or transaction size at the time of inquiry.

Loan mix reveals where reported CRE activity is concentrated

The leading portfolios have distinct compositions. First American Bank reports $163.7 million in construction and land loans, $38.5 million in multifamily loans, $152.2 million in owner occupied loans and $414.0 million in investor nonfarm nonresidential loans. Citizens Bank of Las Cruces reports $173.9 million in construction and land loans and $105.1 million in multifamily loans. InBank’s largest reported category is investor nonfarm nonresidential at $311.4 million, followed by owner occupied loans at $219.5 million. These balances show where each institution is most active within its existing book.

Concentration measures add context to those balances. Southwest Capital Bank reports CRE loans equal to 80.1% of total loans, while Main Bank reports 83.3%. First American Bank’s investor CRE to equity ratio is 3.23x, Citizens Bank of Las Cruces reports 4.33x and First National Bank of Alamogordo reports 4.91x. Those ratios are high relative to several banks in the table. Lea County State Bank reports 0.24x, and Western Bank of Lordsburg reports 0.27x. A high ratio does not describe credit quality or current lending intent, but it can signal that a bank will be selective when evaluating additional exposure.

Out of state banks and nonbank lenders broaden the search

Banks headquartered outside New Mexico also lend through branches in the state. Wells Fargo Bank, N.A., headquartered in South Dakota, has 54 New Mexico branches, $9.3 billion of deposits in the state and $121.6 billion of total CRE loans across all states. Bank of America, N.A., headquartered in North Carolina, has 16 branches, $6.2 billion of deposits in New Mexico and $79.9 billion of total CRE loans. BOKF, N.A., headquartered in Oklahoma, has 13 branches, $2.7 billion of deposits in the state and $11.3 billion of total CRE loans. These institutions are not included in the headquarters based ranking.

Borrowers can also compare debt funds, life companies, CMBS lenders, agency lenders and SBA lenders. Those sources do not appear in bank Call Reports, so this ranking cannot measure their activity. Each lender type may assess property, sponsorship and transaction structure differently, making direct comparison important. A borrower should consider several sources because a large reported balance does not establish current appetite, and a smaller balance does not rule out a fit. Comparing banks headquartered in New Mexico, out of state banks with local branches and relevant nonbank lenders provides a broader view of available financing channels.

Frequently Asked Questions

Which bank has the largest commercial real estate loan portfolio in New Mexico?

Among banks headquartered in New Mexico, First American Bank ranks first with $768.4 million in total commercial real estate loans as of June 30, 2026. Its reported portfolio includes $163.7 million in construction and land loans, $38.5 million in multifamily loans, $152.2 million in owner occupied loans and $414.0 million in investor nonfarm nonresidential loans. CRE represents 65.7% of the bank’s total loans, and its investor CRE to equity ratio is 3.23x. Its national rank by total CRE loans is 537. These figures describe the reported loan book, not current pricing, underwriting terms or availability.

Which New Mexico bank reported the fastest CRE growth?

CNB Bank reported the highest year over year CRE growth among the ranked banks at +33.5%. Its total commercial real estate portfolio reached $428.2 million as of June 30, 2026, placing it fifth in New Mexico and 851 nationally. The portfolio includes $94.1 million in construction and land loans, $29.5 million in multifamily loans, $113.5 million in owner occupied loans and $191.2 million in investor nonfarm nonresidential loans. Southwest Capital Bank also reported strong growth at +32.2%, while Valley Bank of Commerce reported +31.1%. Growth shows balance sheet expansion, but not the terms or availability of new credit.

Which New Mexico bank has the most multifamily loans?

Citizens Bank of Las Cruces reports $105.1 million in multifamily loans, the largest multifamily balance among the banks in the table. The bank ranks second overall with $595.1 million in total CRE loans as of June 30, 2026. Its other reported categories include $173.9 million in construction and land loans, $90.1 million in owner occupied loans and $226.0 million in investor nonfarm nonresidential loans. CRE represents 68.6% of total loans, and the portfolio grew +15.4% year over year. The balance indicates established multifamily exposure, but borrowers must confirm current lending interest directly.

How does BestCRE calculate the New Mexico bank ranking?

BestCRE ranks banks headquartered in New Mexico by total commercial real estate loans reported in FDIC Call Reports as of June 30, 2026. The analysis uses Reports of Condition and Income, including schedule RC-C, and uses the FDIC Summary of Deposits 2026 to identify branch and deposit presence for banks headquartered elsewhere. The table includes 25 banks with $5.1 billion in total CRE loans. For national context, 4,167 banks reported $3.07 trillion in total CRE loans. The ranking is based on reported balances and does not score pricing, service, approval speed, loan terms or credit quality.

What interest rate benchmarks should CRE borrowers monitor?

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 when borrowers review financing proposals, but they are not quoted loan rates from the banks in the ranking. A lender’s proposal may reference a benchmark while also reflecting property, borrower and transaction considerations that are not visible in FDIC Call Reports. Borrowers should compare the applicable benchmark, spread, fees and structure in each actual proposal rather than infer pricing from portfolio size.

More BestCRE lender rankings

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.

Bank OZK is a Little Rock, Arkansas bank established in 1903 with $41.7 billion in assets, $32.6 billion in total loans and 272 domestic offices. Commercial real estate is central to its lending profile. FDIC filings show $18.1 billion of CRE loans as of June 30, 2026, equal to 55.7% of total loans. Its national position is substantial for a bank of this size, ranking 27 of 4,167 banks by CRE loans and 1 of 78 banks headquartered in Arkansas. Borrowers should view Bank OZK as a nationally active real estate lender whose portfolio is especially concentrated in investor properties and construction and land lending.

The bank describes its Real Estate Specialties Group as a nationwide source of senior secured financing for mixed-use, multifamily, condominium, office, hospitality, life-science, industrial and retail projects, with particular emphasis on construction lending. Publicly announced transactions support that description, including large construction loans for condominium, apartment, industrial and mixed-use developments across several markets. The portfolio was contracting during 2026, however, following several years of expansion. That change matters to prospective borrowers because a large existing CRE book does not establish current appetite for a particular property or request. It shows experience and capacity, while the bank’s recent repayments, new loan volume and asset management activity provide context for current selectivity.

The $18.1 billion CRE book is led by investor property and construction loans

Bank OZK held $18.1 billion of commercial real estate loans as of June 30, 2026. Investor nonfarm nonresidential loans were the largest component at $7.8 billion, representing 43.0% of the CRE portfolio and ranking 27 nationally within that segment. Construction and land loans were close behind at $6.9 billion, or 38.3%, and ranked 9 nationally. Together, these categories define the bank’s CRE exposure more clearly than its branch footprint does. Multifamily loans totaled $2.5 billion, representing 14.0% of CRE loans and ranking 45 nationally. Owner occupied CRE was considerably smaller at $852.2 million, or 4.7%, with a national segment rank of 125. These balances describe the portfolio the bank held, not a commitment to originate the same mix going forward.

CRE loans represented 55.7% of Bank OZK’s $32.6 billion total loan portfolio at June 30, 2026. Its investor CRE exposure was 2.75x equity, another indication that commercial property credit remains material to the institution. The bank says it manages the portfolio through limits covering property types, geographies and metropolitan areas, and describes the book as diversified by collateral type and location. For borrowers, the composition points to extensive experience evaluating income producing properties and complex development projects. It does not show published pricing, leverage, amortization or closing timelines. Those terms must be established for each transaction. The relatively small $852.2 million owner occupied balance also suggests that Bank OZK’s institutional CRE identity is more closely associated with investor and development lending than with owner occupied property finance.

Source: FDIC Call Report as of June 30, 2026, schedule RC-C. FDIC record for Bank OZK.

CRE balances remain above 2021 despite a sharp 2026 contraction

Bank OZK’s CRE portfolio increased from $12.8 billion at June 30, 2021 to $13.1 billion in 2022, $16.4 billion in 2023, $20.3 billion in 2024 and $21.6 billion in 2025. It then declined to $18.1 billion at June 30, 2026, a year over year change of -16.1%. Even after that contraction, CRE loans were +42.1% above June 30, 2021. The shift continued later in 2026. By September 2026, the bank said its Real Estate Specialties Group had declined to 45.2% of total loans and its overall CRE concentration had moved below the regulatory guidance threshold. During the 12 months ended September 2026, the group received $9.2 billion in repayments and originated $5.2 billion of new loans, reducing total commitments to $25.4 billion.

Recent transactions confirm a nationwide construction lending focus

Recent announcements show Bank OZK financing substantial construction projects across property types and regions. In October 2026, Berkadia announced a $132.7 million construction loan for ElevenOneEleven, a mixed-use development with 344 apartments and retail in Culver City, CA. The press reported a $75.5 million construction loan in September 2026 for the conversion of M7 Lofts in Norwalk, CT into 286 apartments. JLL announced $65.1 million of construction financing in February 2026 for the 631,011-square-foot Ellis Avenue Logistics Center in Perris, CA. January 2026 reports also included a $132.5 million construction loan for the 58-unit Ponce Park condominium development in Coral Gables, FL and a $74 million construction loan for The Aletto office and retail project in Boca Raton, FL. These examples reflect activity, not standardized loan terms.

Larger 2025 announcements further illustrate the bank’s development lending range. The press reported $475 million of construction financing for South Flagler House, two luxury condominium towers with 105 units in West Palm Beach, FL. JLL announced a $198.6 million construction loan for the 112-unit Ritz-Carlton Residences, Estero Bay North Tower in Bonita Springs, FL. Commercial Observer reported $156.3 million for the planned 428-unit Heritage Westminster apartment development in West Hempstead, NY. The bank says its nationwide specialty group covers mixed-use, multifamily, condominium, office, hospitality, life-science, industrial and retail projects. In January 2026, the press also reported that Bank OZK sold the $265 million construction loan on the largely vacant Pacific Center life-science campus in San Diego.

Financings publicly announced by the bank, its borrowers or their advisors, as reported by the linked source. Not a complete record of the bank’s lending.

The branch base is southeastern, while specialty lending reaches national markets

Bank OZK operates branches in 6 states, with its largest reported branch networks in Arkansas, Georgia, Florida, Texas and North Carolina. Arkansas has 77 branches and $11.6 billion of deposits, while Georgia has 70 branches and $9.6 billion. Florida has 45 branches and $5.8 billion, Texas has 36 branches and $4.3 billion, and North Carolina has 26 branches and $2.3 billion. Tennessee adds 2 branches and $472.2 million of deposits. That retail and deposit footprint is concentrated in the Southeast, but announced CRE loans extend to CA, CT, IL, KS and NY as well as FL. Borrowers should therefore distinguish the bank’s physical branch network from the nationwide mandate described for its Real Estate Specialties Group.

By CRE loan volume, Bank OZK’s $18.1 billion portfolio sits above Western Alliance Bank at $15.8 billion, United Bank at $14.2 billion, Goldman Sachs Bank USA at $13.5 billion, Associated Bank, N.A. at $10.6 billion and Centennial Bank at $9.9 billion, but below Citibank, N.A. at $26.0 billion. The strongest borrower fit appears to be an experienced sponsor seeking senior secured financing for a substantial investor property or construction project in a sector the specialty group identifies. That assessment follows the bank’s stated focus and announced transactions. Borrowers seeking published rate cards, preset leverage or standardized execution should not infer those features from FDIC portfolio balances or deal announcements.

Peer banks with a similar CRE book

Frequently Asked Questions

Does Bank OZK make commercial real estate loans?

Yes. Bank OZK held $18.1 billion of commercial real estate loans as of June 30, 2026, equal to 55.7% of its $32.6 billion total loan portfolio. It ranked 27 of 4,167 banks nationally by CRE loans and 1 of 78 banks headquartered in Arkansas. The bank also says its Real Estate Specialties Group provides senior secured financing nationwide across several property types, with particular emphasis on construction lending. Actual availability and terms depend on the proposed property, market, sponsorship and transaction structure.

What types of commercial real estate does Bank OZK finance?

Bank OZK says its nationwide specialty group finances mixed-use, multifamily, condominium, office, hospitality, life-science, industrial and retail projects, with particular focus on construction lending. FDIC filings show construction and land loans of $6.9 billion, representing 38.3% of its CRE portfolio at June 30, 2026. Investor nonfarm nonresidential loans were even larger at $7.8 billion, or 43.0%. These portfolio categories and the bank’s stated focus indicate experience, but they do not guarantee approval for any property type or transaction.

Is Bank OZK primarily a construction lender?

Construction lending is a defining part of Bank OZK’s CRE profile. The bank identifies construction as a particular focus, and it held $6.9 billion of construction and land loans at June 30, 2026, ranking 9 nationally in that segment. Announced financings include condominium, apartment, mixed-use and industrial developments. Still, construction and land represented 38.3% of CRE loans, while investor nonfarm nonresidential loans represented a larger 43.0%. Bank OZK therefore has a broader investor CRE portfolio, even though construction is prominent in its public transactions.

Is Bank OZK reducing its commercial real estate exposure?

Yes. CRE loans declined from $21.6 billion at June 30, 2025 to $18.1 billion at June 30, 2026, a year over year change of -16.1%. During the 12 months ended September 2026, the Real Estate Specialties Group received $9.2 billion in repayments versus $5.2 billion of new loans, and total commitments fell to $25.4 billion. Bank OZK said its overall CRE concentration had moved below the regulatory guidance threshold by September 2026. The contraction does not by itself establish appetite for any individual request.

What should borrowers know about Bank OZK’s recent CRE credit issues?

Bank OZK reported $129.1 million of 2025 charge-offs involving Real Estate Specialties Group loans primarily secured by office, land or life-science properties, and warned that charge-offs could remain elevated in 2026. The press also reported that the bank sold a $265 million construction loan on the largely vacant Pacific Center life-science campus in San Diego in January 2026. These events provide relevant credit context, while the bank continued announcing construction financings during 2026. Borrowers should expect property, market, sponsorship and structure to receive transaction-specific review.

Related BestCRE lender research

BestCRE lender profiles are editorially independent and built from public regulatory filings and public announcements; no bank pays for a profile. Call report figures describe loans held on the bank’s balance sheet and do not show current terms or appetite. BestCRE is not a lender and is not affiliated with Bank OZK. See our Legal Disclaimer and Compensation Disclosure.

New Hampshire’s 16 headquartered banks reported $6.6 billion in total commercial real estate loans as of June 30, 2026, according to FDIC Call Reports. Their portfolios included $1.3 billion in construction and land loans, $864.2 million in multifamily loans, $1.5 billion in owner occupied loans and $2.9 billion in investor nonfarm nonresidential loans. State headquartered bank CRE balances increased +5.4% year over year, while the top five banks held 76.9% of the group total. The ranking focuses on the size of each institution’s CRE book, with additional measures showing portfolio composition, recent growth, loan concentration and investor CRE relative to equity capital.

The table covers banks headquartered in New Hampshire, rather than every institution available to borrowers in the state. Banks based elsewhere can also maintain New Hampshire branches and make local loans, but their FDIC Call Reports present CRE balances across all states. That distinction matters when comparing a local deposit presence with an institution’s total national or regional CRE portfolio. BestCRE uses FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C, together with the FDIC Summary of Deposits 2026. Borrowers can use the ranking to identify active bank candidates, then compare those institutions with out of state banks and nonbank capital sources.

New Hampshire banks ranked by total CRE loans

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.

Bank of New Hampshire leads with $1.6 billion in CRE loans, including $938.3 million of investor nonfarm nonresidential loans. Bank of New England follows at $1.5 billion and has the table’s largest construction and land balance at $588.6 million. Mascoma Bank ranks third with $979.8 million, including $254.4 million in multifamily loans. Growth varies widely. Salem Co-operative Bank reported +31.2% year over year growth, while The Millyard Bank reported +25.4%. First Seacoast Bank declined -8.7%, and Profile Bank declined -5.5%. Concentration also separates the leaders. CRE represents 96.9% of loans at Bank of New England and 72.3% at Bank of New Hampshire. Their investor CRE to equity ratios are 4.47x and 3.85x, respectively, both high relative to many banks in the table. Portfolio scale, mix, growth and concentration therefore point to different potential fits for borrowers.

Out of state banks with branches in New Hampshire

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

The ranking provides a starting point for a bank loan search

Total CRE loan volume is the primary ranking measure. A larger book can indicate greater appetite for commercial property credit and more capacity to hold loans, although the reported balance does not establish that a bank will approve a particular request. Bank of New Hampshire reports $1.6 billion, Bank of New England reports $1.5 billion and Mascoma Bank reports $979.8 million. Borrowers can begin with institutions whose existing portfolios appear consistent with the size and type of the proposed financing.

The supporting columns refine that initial screen. Loan mix shows where each bank is most active, while year over year change identifies institutions that are adding or reducing CRE balances. CRE share of total loans and investor CRE to equity show how concentrated an institution is, which can signal that a bank will be selective. Bank lending remains relationship driven and local, so the table should guide outreach rather than substitute for direct discussions. Borrowers should contact several plausible lenders and compare current responses.

Loan mix and concentration distinguish the banks’ reported activity

The largest portfolios have materially different compositions. Bank of New Hampshire reports $938.3 million in investor nonfarm nonresidential loans, $305.1 million in owner occupied loans, $217.6 million in multifamily loans and $151.6 million in construction and land loans. Bank of New England reports $705.5 million in investor nonfarm nonresidential loans and $588.6 million in construction and land loans. Mascoma Bank reports $417.6 million in investor nonfarm nonresidential loans and $254.4 million in multifamily loans. These balances show where existing activity is concentrated without describing any current loan program or credit terms.

Concentration measures add context to raw balances. CRE accounts for 96.9% of loans at Bank of New England, 73.1% at Primary Bank and 72.3% at Bank of New Hampshire. Their investor CRE to equity ratios are 4.47x, 2.69x and 3.85x. By comparison, Piscataqua Savings Bank reports a 1.1% CRE share and a 0.04x investor CRE to equity ratio. A high ratio relative to other banks in the table can indicate that an institution may be selective, even when its reported CRE portfolio is large.

Out of state banks and nonbank lenders broaden the search

Several banks headquartered outside New Hampshire have substantial local branch and deposit positions. TD Bank, N.A. has 43 branches and $10.7 billion of deposits in the state, while Citizens Bank, N.A. has 40 branches and $8.9 billion. Bank of America, N.A. has 15 branches and $5.4 billion, and Manufacturers and Traders Trust Company has 23 branches and $1.7 billion. Their total CRE loan figures cover all states, so they are not directly comparable with a measure of New Hampshire lending.

Borrowers can also compare bank proposals with debt funds, life companies, CMBS, agency and SBA lenders. These nonbank sources do not appear in bank call reports, and their absence from the ranking does not indicate a lack of activity. Each source should be evaluated separately because the table describes reported bank portfolios, not current quotes or approval standards. Comparing several banks and nonbank lender types helps a borrower test available structures while accounting for relationship preferences, property type, requested proceeds and the lender’s existing portfolio exposure.

Frequently Asked Questions

Which bank is the largest commercial real estate lender headquartered in New Hampshire?

Bank of New Hampshire ranks first among New Hampshire headquartered banks with $1.6 billion in total CRE loans as of June 30, 2026. Its portfolio includes $938.3 million in investor nonfarm nonresidential loans, $305.1 million in owner occupied loans, $217.6 million in multifamily loans and $151.6 million in construction and land loans. CRE represents 72.3% of its total loans, and its investor CRE to equity ratio is 3.85x. The bank ranks 277 nationally by total CRE loans in the FDIC Call Report comparison.

Which New Hampshire bank reports the most construction and land lending?

Bank of New England reports $588.6 million in construction and land loans, the largest balance among the New Hampshire headquartered banks in the table. It ranks second overall with $1.5 billion in total CRE loans. Its other reported categories include $705.5 million in investor nonfarm nonresidential loans, $161.1 million in owner occupied loans and $58.3 million in multifamily loans. CRE accounts for 96.9% of its total loans, and its investor CRE to equity ratio is 4.47x, which is high relative to the other banks shown.

Which New Hampshire bank reports the largest multifamily loan portfolio?

Mascoma Bank reports $254.4 million in multifamily loans, the largest multifamily balance in the ranked table. The Lebanon headquartered bank ranks third with $979.8 million in total CRE loans. Its portfolio also includes $417.6 million in investor nonfarm nonresidential loans, $176.9 million in owner occupied loans and $130.9 million in construction and land loans. Mascoma Bank’s CRE balance increased +2.3% year over year. CRE represents 39.1% of its total loans, while investor CRE equals 3.11x its total equity capital.

Which New Hampshire banks are adding CRE loans fastest?

Walden Mutual Bank reports the highest year over year CRE growth in the table at +31.7%, followed by Salem Co-operative Bank at +31.2% and The Millyard Bank at +25.4%. Their portfolio sizes differ substantially. Walden Mutual Bank reports $32.7 million in total CRE loans, Salem Co-operative Bank reports $140.4 million and The Millyard Bank reports $176.7 million. Growth identifies banks that added balances during the period, but it does not establish current availability, pricing or approval standards. Borrowers should consider growth together with portfolio size, mix and concentration.

Do banks headquartered outside New Hampshire appear in this ranking?

The ranking itself includes only the 16 banks headquartered in New Hampshire. Out of state institutions can still serve borrowers through local branches. TD Bank, N.A., headquartered in Delaware, has 43 New Hampshire branches and $10.7 billion in deposits in the state. Citizens Bank, N.A., headquartered in Rhode Island, has 40 branches and $8.9 billion in state deposits. Their reported total CRE portfolios, $30.4 billion and $26.9 billion, cover all states rather than New Hampshire alone. That reporting difference is why they are discussed separately from the ranked table.

More BestCRE lender rankings

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.