Commercial real estate loans as a percentage of total assets. 236 banks from FDIC call report data (Q4/2025).
Banks Analyzed
236
Avg Concentration
32%
Median
33.9%
Above 50%
20 banks
Total CRE Loans
$1385.8B
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 |
|---|---|---|---|---|---|---|---|---|
| 226 | Ally BankUT | UT | 4.2% | $7.7B | $184.6B | $88.0M | $431.0M | 0.91% |
| 227 | LendingClub Bank, National AssociationUT | UT | 4.1% | $472.5M | $11.5B | $22.4M | $56.0M | 1.22% |
| 228 | Capital One, National AssociationVA | VA | 3.8% | $24.8B | $658.5B | $7.9B | $2.0B | 0.55% |
| 229 | The Northern Trust CompanyIL | IL | 3.7% | $6.5B | $176.4B | $1.6B | $522.6M | 1.02% |
| 230 | TrustCo BankNY | NY | 3.5% | $223.7M | $6.4B | $43.8M | $43.7M | 0.97% |
| 231 | Bank of America, National AssociationNC | NC | 2.9% | $77.2B | $2636.8B | $7.8B | $10.3B | 1.15% |
| 232 | Morgan Stanley Private Bank, National AssociationNY | NY | 2.8% | $7.0B | $254.7B | $1.5B | - | 1.10% |
| 233 | Northpointe BankMI | MI | 2.1% | $149.0M | $7.0B | $70K | $148.2M | 1.39% |
| 234 | Citibank, National AssociationSD | SD | 1.3% | $24.5B | $1836.4B | $7.2B | $7.4B | 0.85% |
| 235 | BMW Bank of North AmericaUT | UT | 0.2% | $20.5M | $12.8B | $20.5M | - | 2.31% |
| 236 | WEX BankUT | UT | 0.1% | $7.6M | $8.4B | $7.6M | - | 4.62% |
Page 10 of 10 (236 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: 236 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.