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 |
|---|---|---|---|---|---|---|---|---|
| 51 | Stellar BankTX | TX | 42.3% | $4.6B | $10.8B | $433.6M | $845.4M | 1.07% |
| 52 | Central Bank & Trust Co.KY | KY | 41.9% | $1.7B | $3.9B | $264.7M | $315.8M | 1.16% |
| 53 | Capital Bank, National AssociationMD | MD | 41.7% | $1.5B | $3.5B | $202.6M | $350.7M | 1.51% |
| 54 | Atlantic Union BankVA | VA | 41.5% | $15.6B | $37.5B | $2.4B | $1.7B | 0.99% |
| 55 | Centreville BankRI | RI | 41.3% | $1.3B | $3.0B | $245.3M | $203.9M | 1.01% |
| 56 | First Mid Bank & Trust, National AssociationIL | IL | 41.3% | $3.3B | $7.9B | $339.5M | $360.7M | 1.15% |
| 57 | Heartland Bank and Trust CompanyIL | IL | 41.1% | $2.1B | $5.1B | $544.9M | $280.3M | 1.67% |
| 58 | Machias Savings BankME | ME | 41.1% | $1.1B | $2.7B | $183.2M | $125.9M | 0.89% |
| 59 | Columbia BankOR | OR | 40.8% | $27.3B | $66.8B | $10.5B | $2.3B | 1.00% |
| 60 | HomeTrust BankNC | NC | 40.3% | $1.8B | $4.5B | $110.9M | $326.7M | 1.43% |
| 61 | Vantage Bank TexasTX | TX | 40.3% | $2.0B | $4.9B | $80.8M | $493.4M | 1.53% |
| 62 | Tradition Capital BankMN | MN | 40.2% | $1.1B | $2.6B | $193.3M | $237.1M | 0.71% |
| 63 | Colony BankGA | GA | 40.1% | $1.5B | $3.7B | $105.9M | $303.4M | 0.92% |
| 64 | The Farmers & Merchants State BankOH | OH | 40.1% | $1.4B | $3.4B | $139.4M | $125.4M | 1.03% |
| 65 | Cambridge Savings BankMA | MA | 40.0% | $2.8B | $6.9B | $499.7M | $193.1M | 0.97% |
| 66 | First Dakota National BankSD | SD | 39.9% | $1.3B | $3.2B | $109.4M | $169.3M | 1.38% |
| 67 | Citizens & Northern BankPA | PA | 39.7% | $1.2B | $3.1B | $162.8M | $163.4M | 0.92% |
| 68 | Southern First BankSC | SC | 39.5% | $1.7B | $4.4B | $97.5M | $197.2M | 0.75% |
| 69 | First National Bank AlaskaAK | AK | 39.4% | $2.0B | $5.1B | $158.0M | $277.6M | 1.54% |
| 70 | Mercantile BankMI | MI | 39.4% | $2.5B | $6.2B | $359.2M | $375.3M | 1.61% |
| 71 | Stock Yards Bank & Trust CompanyKY | KY | 39.2% | $3.7B | $9.5B | $435.2M | $750.7M | 1.57% |
| 72 | Sunrise Banks, National AssociationSD | SD | 39.2% | $1.1B | $2.7B | $260.7M | $65.1M | 0.39% |
| 73 | Westfield BankMA | MA | 39.0% | $1.1B | $2.7B | $176.0M | $107.7M | 0.66% |
| 74 | Glacier BankMT | MT | 38.7% | $12.4B | $32.0B | $1.0B | $2.5B | 0.90% |
| 75 | Glacier BankMT | MT | 38.7% | $12.4B | $32.0B | $1.0B | $2.5B | 0.90% |
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.