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 |
|---|---|---|---|---|---|---|---|---|
| 76 | Bank of ColoradoCO | CO | 38.6% | $3.0B | $7.7B | $259.8M | $476.3M | 1.07% |
| 77 | WesBanco Bank, Inc.WV | WV | 38.6% | $10.7B | $27.6B | $1.7B | $1.9B | 0.97% |
| 78 | Five Star BankNY | NY | 38.5% | $2.4B | $6.2B | $548.1M | $591.4M | 1.28% |
| 79 | Midland States BankIL | IL | 38.5% | $2.5B | $6.5B | $382.3M | $286.1M | -1.62% |
| 80 | Midland States BankIL | IL | 38.5% | $2.5B | $6.5B | $382.3M | $286.1M | -1.62% |
| 81 | Lake City BankIN | IN | 38.4% | $2.7B | $7.0B | $437.9M | $514.2M | 1.61% |
| 82 | Live Oak Banking CompanyNC | NC | 38.3% | $5.8B | $15.1B | $19.4M | $976.8M | 0.82% |
| 83 | BankNewportRI | RI | 38.1% | $1.1B | $3.0B | $179.4M | $184.5M | 0.58% |
| 84 | Emprise BankKS | KS | 38.1% | $1.0B | $2.8B | $173.9M | $158.4M | 1.32% |
| 85 | First Western Trust BankCO | CO | 38.1% | $1.2B | $3.2B | $245.7M | $187.2M | 0.51% |
| 86 | Union Bank and Trust CompanyNE | NE | 37.9% | $3.4B | $9.1B | $359.3M | $709.6M | 1.60% |
| 87 | City National Bank of FloridaFL | FL | 37.8% | $10.6B | $28.0B | $1.4B | $1.7B | 0.96% |
| 88 | Alerus Financial, National AssociationND | ND | 37.7% | $2.0B | $5.2B | $383.5M | $279.9M | 0.42% |
| 89 | Tompkins Community BankNY | NY | 37.7% | $3.3B | $8.7B | $720.3M | $480.4M | 0.39% |
| 90 | Origin BankLA | LA | 37.6% | $3.6B | $9.6B | $553.1M | $537.8M | 0.76% |
| 91 | Celtic BankUT | UT | 37.4% | $1.8B | $4.8B | - | $81.3M | 4.12% |
| 92 | The Washington Trust Company, of WesterlyRI | RI | 37.4% | $2.5B | $6.6B | $512.9M | $101.9M | 0.80% |
| 93 | TruNorth BankMA | MA | 37.4% | $1.2B | $3.2B | $352.8M | $158.4M | 1.31% |
| 94 | Lone Star National BankTX | TX | 37.0% | $1.2B | $3.3B | $109.9M | $247.2M | 1.94% |
| 95 | Bank of the SierraCA | CA | 36.7% | $1.4B | $3.8B | $130.7M | $14.4M | 1.28% |
| 96 | Northern Bank & Trust CompanyMA | MA | 36.6% | $1.2B | $3.2B | $82.7M | $392.4M | 1.64% |
| 97 | Byline BankIL | IL | 36.3% | $3.5B | $9.6B | $476.1M | $407.0M | 1.47% |
| 98 | First State Community BankMO | MO | 36.3% | $1.6B | $4.5B | $146.2M | $440.1M | 1.74% |
| 99 | Georgia Banking CompanyGA | GA | 36.3% | $978.0M | $2.7B | $66.3M | $236.9M | 0.99% |
| 100 | Penn Community BankPA | PA | 36.3% | $1.1B | $3.0B | $453.4M | $164.3M | 0.39% |
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.