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 |
|---|---|---|---|---|---|---|---|---|
| 201 | Village Bank and Trust, National AssociationIL | IL | 15.9% | $554.8M | $3.5B | $112.6M | $101.4M | 1.87% |
| 202 | Old Plank Trail Community Bank, National AssociationIL | IL | 15.3% | $501.4M | $3.3B | $126.0M | $56.4M | 1.16% |
| 203 | Commerce BankMO | MO | 15.0% | $4.9B | $32.7B | $317.5M | $1.4B | 1.74% |
| 204 | TBK BANK, SSBTX | TX | 15.0% | $953.9M | $6.4B | $144.7M | $226.2M | 0.53% |
| 205 | Cross River BankNJ | NJ | 14.9% | $1.2B | $8.1B | $175.7M | $212.5M | 0.29% |
| 206 | Barrington Bank & Trust Company, National AssociationIL | IL | 14.1% | $672.5M | $4.8B | $129.5M | $116.0M | 1.04% |
| 207 | Lake Forest Bank & Trust Company, National AssociationIL | IL | 14.1% | $1.3B | $9.4B | $184.8M | $225.7M | 2.20% |
| 208 | Wheaton Bank & Trust, National AssociationIL | IL | 13.6% | $607.8M | $4.5B | $103.0M | $108.8M | 1.46% |
| 209 | 1st Source BankIN | IN | 13.0% | $1.2B | $9.1B | $61.2M | $389.0M | 1.84% |
| 210 | Gate City BankND | ND | 12.0% | $479.8M | $4.0B | $116.3M | $72.9M | 0.60% |
| 211 | NexBankTX | TX | 11.2% | $1.6B | $13.9B | $1.1B | $110.7M | 1.17% |
| 212 | Lead BankMO | MO | 10.6% | $277.6M | $2.6B | $25.9M | $79.6M | 1.34% |
| 213 | The Huntington National BankOH | OH | 10.4% | $23.3B | $224.0B | $3.5B | $2.4B | 1.20% |
| 214 | Beal Bank USANV | NV | 9.8% | $1.4B | $14.5B | $1.4M | $352.0M | 0.63% |
| 215 | KeyBank National AssociationOH | OH | 9.5% | $17.2B | $181.7B | $5.4B | $2.8B | 1.17% |
| 216 | Truist BankNC | NC | 9.5% | $51.4B | $539.5B | $7.8B | $8.3B | 1.04% |
| 217 | TD Bank, National AssociationDE | DE | 8.9% | $30.8B | $346.2B | $6.6B | $4.6B | 0.54% |
| 218 | Banco Popular de Puerto RicoPR | PR | 8.7% | $5.2B | $59.8B | $304.0M | $372.0M | 1.17% |
| 219 | Safra National Bank of New YorkNY | NY | 8.2% | $1.0B | $12.5B | $165.8M | - | 0.92% |
| 220 | Fifth Third Bank, National AssociationOH | OH | 7.7% | $16.5B | $213.7B | $1.0B | $4.9B | 1.34% |
| 221 | U.S. Bank National AssociationOH | OH | 7.0% | $47.0B | $676.1B | $13.5B | $9.3B | 1.18% |
| 222 | Wells Fargo Bank, National AssociationSD | SD | 6.6% | $120.7B | $1822.7B | $24.3B | $15.1B | 1.41% |
| 223 | First National Bank of AmericaMI | MI | 5.6% | $376.4M | $6.7B | $89.0M | $208.3M | 2.94% |
| 224 | Monet BankTX | TX | 5.5% | $194.1M | $3.5B | $20.4M | $56.4M | 0.58% |
| 225 | JPMorgan Chase Bank, National AssociationOH | OH | 4.7% | $177.8B | $3752.7B | $105.1B | $18.5B | 1.34% |
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.