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 |
|---|---|---|---|---|---|---|---|---|
| 26 | Bank OZKAR | AR | 48.7% | $19.9B | $40.8B | $3.7B | $7.8B | 1.78% |
| 27 | T Bank, National AssociationTX | TX | 48.1% | $470.8M | $979.7M | - | $81.4M | 1.53% |
| 28 | Cache Valley BankUT | UT | 47.6% | $1.7B | $3.5B | $60.1M | $408.1M | 1.88% |
| 29 | Burke & Herbert Bank & Trust CompanyVA | VA | 47.5% | $3.8B | $7.9B | $458.4M | $387.0M | 1.69% |
| 30 | The Fidelity BankNC | NC | 47.5% | $2.1B | $4.4B | $88.8M | $445.7M | 1.74% |
| 31 | First Business BankWI | WI | 47.3% | $1.9B | $4.1B | $570.3M | $251.9M | 1.36% |
| 32 | Security Bank of Kansas CityKS | KS | 46.9% | $1.8B | $3.8B | $313.5M | $418.1M | 1.37% |
| 33 | Maine Community BankME | ME | 46.8% | $1.3B | $2.9B | $299.0M | $75.2M | 0.70% |
| 34 | Shore United Bank, National AssociationMD | MD | 46.8% | $2.9B | $6.3B | $259.4M | $342.1M | 1.08% |
| 35 | Valley National BankNJ | NJ | 45.7% | $29.3B | $64.1B | $8.6B | $2.5B | 0.99% |
| 36 | Needham BankMA | MA | 45.6% | $3.2B | $6.9B | $516.7M | $724.6M | 0.90% |
| 37 | Banner BankWA | WA | 45.0% | $7.4B | $16.3B | $1.0B | $1.7B | 1.24% |
| 38 | Community West BankCA | CA | 44.4% | $1.6B | $3.7B | $198.8M | $79.8M | 1.18% |
| 39 | Heritage Bank of CommerceCA | CA | 44.1% | $2.5B | $5.8B | $303.5M | $136.7M | 0.94% |
| 40 | Lake Ridge BankWI | WI | 44.0% | $1.4B | $3.3B | $537.9M | $139.4M | 0.98% |
| 41 | Meridian BankPA | PA | 43.9% | $1.1B | $2.6B | $113.6M | $351.6M | 1.05% |
| 42 | Academy Bank, National AssociationMO | MO | 43.6% | $1.4B | $3.3B | $167.4M | $227.8M | 0.80% |
| 43 | OceanFirst Bank, National AssociationNJ | NJ | 43.5% | $6.3B | $14.5B | $1.1B | $626.8M | 0.61% |
| 44 | Northrim BankAK | AK | 43.3% | $1.4B | $3.3B | $155.9M | $214.6M | 1.80% |
| 45 | Simmons BankAR | AR | 43.3% | $10.6B | $24.5B | $830.5M | $2.9B | -1.40% |
| 46 | First BankNC | NC | 43.0% | $5.4B | $12.7B | $537.0M | $753.2M | 0.94% |
| 47 | Wilson Bank and TrustTN | TN | 42.8% | $2.5B | $5.9B | $175.6M | $877.2M | 1.38% |
| 48 | Renasant BankMS | MS | 42.5% | $11.4B | $26.7B | $1.4B | $1.9B | 0.89% |
| 49 | Renasant BankMS | MS | 42.5% | $11.4B | $26.7B | $1.4B | $1.9B | 0.89% |
| 50 | Bank of Ann ArborMI | MI | 42.3% | $1.4B | $3.3B | $195.9M | $177.9M | 1.72% |
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.