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 |
|---|---|---|---|---|---|---|---|---|
| 126 | Exchange BankCA | CA | 33.0% | $1.1B | $3.3B | $234.7M | $64.4M | 0.91% |
| 127 | Red River BankLA | LA | 33.0% | $1.1B | $3.3B | $41.8M | $221.2M | 1.36% |
| 128 | Southern Bank and Trust CompanyNC | NC | 33.0% | $1.7B | $5.2B | $109.9M | $227.8M | 1.19% |
| 129 | First Security BankAR | AR | 32.8% | $2.7B | $8.4B | $240.5M | $788.6M | 1.81% |
| 130 | Seacoast National BankFL | FL | 32.7% | $6.8B | $20.8B | $330.5M | $723.9M | 0.91% |
| 131 | Bank IndependentAL | AL | 32.6% | $980.1M | $3.0B | $159.2M | $193.7M | 1.01% |
| 132 | First National BankME | ME | 32.5% | $1.0B | $3.1B | $158.9M | $70.4M | 1.13% |
| 133 | Jefferson BankTX | TX | 32.5% | $973.1M | $3.0B | $70.9M | $239.8M | 0.99% |
| 134 | Susser BankTX | TX | 32.4% | $932.6M | $2.9B | $50.8M | $294.7M | 0.96% |
| 135 | Dedham Institution for SavingsMA | MA | 32.2% | $824.8M | $2.6B | $185.9M | $283.2M | 0.71% |
| 136 | 1st Security Bank of WashingtonWA | WA | 32.1% | $1.0B | $3.2B | $263.2M | $396.7M | 1.14% |
| 137 | Mascoma BankNH | NH | 32.1% | $960.7M | $3.0B | $262.6M | $100.4M | 0.52% |
| 138 | Coastal Community BankWA | WA | 31.6% | $1.5B | $4.7B | $367.9M | $222.1M | 1.11% |
| 139 | First Farmers Bank & Trust Co.IN | IN | 31.4% | $1.1B | $3.4B | $214.2M | $220.0M | 1.52% |
| 140 | Old National BankIN | IN | 31.3% | $22.5B | $71.8B | $5.7B | $2.7B | 1.16% |
| 141 | Fulton Bank, National AssociationPA | PA | 31.2% | $10.0B | $32.0B | $1.6B | $933.4M | 1.33% |
| 142 | Wintrust Bank, National AssociationIL | IL | 30.9% | $3.0B | $9.6B | $627.0M | $730.3M | 1.88% |
| 143 | Wintrust Bank, National AssociationIL | IL | 30.9% | $3.0B | $9.6B | $627.0M | $730.3M | 1.88% |
| 144 | Wintrust Bank, National AssociationIL | IL | 30.9% | $3.0B | $9.6B | $627.0M | $730.3M | 1.88% |
| 145 | The Camden National BankME | ME | 30.6% | $2.1B | $7.0B | $400.3M | $175.5M | 1.03% |
| 146 | The Camden National BankME | ME | 30.6% | $2.1B | $7.0B | $400.3M | $175.5M | 1.03% |
| 147 | PeoplesBankMA | MA | 30.4% | $1.4B | $4.5B | $356.3M | $135.9M | 0.55% |
| 148 | Hills Bank and Trust CompanyIA | IA | 30.1% | $1.4B | $4.6B | $493.8M | $338.1M | 1.36% |
| 149 | Independent BankMI | MI | 29.9% | $1.6B | $5.5B | $123.2M | $273.6M | 1.33% |
| 150 | The American National Bank of TexasTX | TX | 29.7% | $2.0B | $6.9B | $239.3M | $421.6M | 0.40% |
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.