Commercial real estate loans as a percentage of total assets. 244 banks from FDIC call report data (Q4/2025).
Banks Analyzed
244
Avg Concentration
32%
Median
33.8%
Above 50%
20 banks
Total CRE Loans
$1439.6B
Number of banks by CRE loan concentration range (CRE loans / total assets)
Federal banking regulators (FDIC, OCC, Federal Reserve) flag banks where total CRE loans exceed 300% of risk-based capital as warranting greater supervisory scrutiny. This page uses CRE loans as a percentage of total assets - a simpler proxy available from public call report data. Banks with CRE/assets ratios above 50% typically have elevated CRE/capital ratios and face closer regulatory review.
| # | Bank | State | CRE/Assets | CRE Loans | Total Assets | Multifamily | Construction | ROA |
|---|---|---|---|---|---|---|---|---|
| 1 | Metropolitan Commercial BankNY | NY | 70.2% | $5.8B | $8.3B | $400.0M | $521.6M | 0.97% |
| 2 | Lakeside BankIL | IL | 67.6% | $2.0B | $2.9B | $326.3M | $430.0M | 1.64% |
| 3 | Northeast BankME | ME | 67.0% | $3.3B | $4.9B | $664.5M | $28.5M | 2.01% |
| 4 | Hingham Institution for SavingsMA | MA | 64.7% | $2.9B | $4.5B | $1.5B | $213.0M | 1.21% |
| 5 | Spencer Savings Bank, SLANJ | NJ | 64.7% | $2.6B | $4.0B | $1.5B | $85.3M | 0.44% |
| 6 | One Community BankWI | WI | 62.2% | $1.6B | $2.6B | $347.3M | $253.2M | 1.15% |
| 7 | Bankwell BankCT | CT | 61.1% | $2.0B | $3.4B | $318.0M | $153.6M | 1.27% |
| 8 | ConnectOne BankNJ | NJ | 60.5% | $8.5B | $14.0B | $3.4B | $973.0M | 0.77% |
| 9 | Flushing BankNY | NY | 60.2% | $5.2B | $8.7B | $2.4B | $58.9M | 0.42% |
| 10 | West Coast Community BankCA | CA | 59.0% | $1.7B | $2.9B | $242.5M | $254.5M | 1.91% |
| 11 | Great Southern BankMO | MO | 58.3% | $3.3B | $5.6B | $1.4B | $349.2M | 1.31% |
| 12 | PCB BankCA | CA | 57.9% | $1.9B | $3.3B | $175.6M | $32.1M | 1.18% |
| 13 | Orange Bank & Trust CompanyNY | NY | 57.6% | $1.5B | $2.7B | $457.1M | $112.4M | 1.67% |
| 14 | Bank of New HampshireNH | NH | 57.0% | $1.6B | $2.7B | $225.7M | $135.6M | 0.92% |
| 15 | CalPrivate BankCA | CA | 56.1% | $1.4B | $2.5B | $174.0M | $50.7M | 1.70% |
| 16 | American Business BankCA | CA | 53.1% | $2.3B | $4.4B | $49.7M | $100.7M | 1.27% |
| 17 | United Fidelity Bank, fsbIN | IN | 51.3% | $3.2B | $6.3B | $3.1B | $4.5M | -0.09% |
| 18 | Hanmi BankCA | CA | 51.0% | $4.0B | $7.8B | $474.4M | $13.7M | 1.09% |
| 19 | Chemung Canal Trust CompanyNY | NY | 50.4% | $1.4B | $2.7B | $424.8M | $129.6M | 0.60% |
| 20 | CFG BankMD | MD | 50.0% | $2.9B | $5.7B | $435.5M | $182.1M | 1.43% |
| 21 | Tri Counties BankCA | CA | 49.9% | $4.9B | $9.8B | $1.1B | $301.0M | 1.27% |
| 22 | Kearny BankNJ | NJ | 49.7% | $3.8B | $7.6B | $2.6B | $180.7M | 0.43% |
| 23 | Midwest BankCentreMO | MO | 49.3% | $1.5B | $3.0B | $247.9M | $240.7M | 1.10% |
| 24 | Riverview BankWA | WA | 49.0% | $739.3M | $1.5B | $92.4M | $34.5M | 0.42% |
| 25 | Preferred BankCA | CA | 48.8% | $3.7B | $7.6B | $598.2M | $707.7M | 1.84% |
Page 1 of 10 (244 banks)
Data source: FDIC BankFind API, quarterly call report data (Q4/2025).
CRE concentration: Total CRE loans divided by total assets, expressed as a percentage. CRE loans include construction and development, multifamily residential, and nonfarm nonresidential real estate loans.
Coverage: 244 FDIC-insured banks matched to the High Tranche lender directory. This is not the full universe of FDIC-reporting banks (~4,800).
Limitations: This metric uses total assets as the denominator, not risk-based capital. The regulatory 300% CRE/capital threshold uses risk-based capital, which is not available in public call report summary data. CRE/assets above 50% is a rough proxy for elevated regulatory attention.