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 |
|---|---|---|---|---|---|---|---|---|
| 151 | The First Bank and Trust CompanyVA | VA | 28.6% | $1.2B | $4.2B | $80.1M | $374.1M | 1.62% |
| 152 | Bank of StocktonCA | CA | 28.5% | $1.4B | $4.8B | $159.6M | $115.6M | 2.34% |
| 153 | The Fidelity Deposit and Discount BankPA | PA | 28.5% | $783.1M | $2.7B | $36.5M | $87.2M | 1.10% |
| 154 | The Park National BankOH | OH | 28.5% | $2.8B | $9.7B | $302.2M | $401.4M | 1.90% |
| 155 | Bryant BankAL | AL | 28.1% | $812.9M | $2.9B | $97.5M | $188.4M | 1.69% |
| 156 | Farmers & Merchants Bank of Central CaliforniaCA | CA | 27.8% | $1.6B | $5.7B | $122.2M | $128.2M | 1.73% |
| 157 | Community Bank of MississippiMS | MS | 27.4% | $1.4B | $5.0B | $106.2M | $371.8M | 0.89% |
| 158 | First Horizon BankTN | TN | 26.8% | $22.4B | $83.6B | $3.4B | $1.8B | 1.35% |
| 159 | Interaudi BankNY | NY | 26.8% | $704.1M | $2.6B | $96.3M | $66.4M | 1.12% |
| 160 | East West BankCA | CA | 26.7% | $21.3B | $79.7B | $4.5B | $701.7M | 1.72% |
| 161 | Frandsen Bank & TrustMN | MN | 26.7% | $987.8M | $3.7B | $143.0M | $201.2M | 1.48% |
| 162 | Webster Bank, National AssociationCT | CT | 26.5% | $22.3B | $84.0B | $7.5B | $1.7B | 1.26% |
| 163 | Avidia BankMA | MA | 26.4% | $748.4M | $2.8B | $78.8M | $104.9M | 0.18% |
| 164 | Peoples BankOH | OH | 25.9% | $2.5B | $9.6B | $517.5M | $301.2M | 1.27% |
| 165 | Bangor Savings BankME | ME | 25.7% | $1.9B | $7.4B | $415.9M | $150.5M | 0.39% |
| 166 | Banterra BankIL | IL | 25.4% | $834.2M | $3.3B | $29.6M | $168.3M | 0.81% |
| 167 | First Internet Bank of IndianaIN | IN | 25.2% | $1.4B | $5.5B | $147.2M | $383.0M | -0.50% |
| 168 | FirstBankCO | CO | 25.2% | $6.7B | $26.5B | $1.5B | $983.4M | 1.20% |
| 169 | D. L. Evans BankID | ID | 24.7% | $907.2M | $3.7B | $60.8M | $165.8M | 1.12% |
| 170 | BancFirstOK | OK | 24.2% | $2.9B | $12.1B | $378.0M | $649.3M | 1.79% |
| 171 | Customers BankPA | PA | 24.2% | $6.0B | $24.9B | $2.6B | $175.8M | 1.01% |
| 172 | City National Bank of West VirginiaWV | WV | 24.1% | $1.6B | $6.7B | $232.0M | $45.5M | 2.01% |
| 173 | Bravera BankND | ND | 23.9% | $916.6M | $3.8B | $97.8M | $188.0M | 1.12% |
| 174 | First Financial BankOH | OH | 23.5% | $4.9B | $21.0B | $828.7M | $780.5M | 1.53% |
| 175 | First Merchants BankIN | IN | 23.0% | $4.4B | $19.0B | $748.1M | $804.8M | 1.27% |
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.