US Bank Industry
US average CRE concentration, Q2 2026
The US banking system's CRE concentration was 102.97% in Q2 2026, for all 4,297 banks that filed a call report combined; the average bank's was 144.61%. The table below has every quarter we serve, Q2 2021 through Q2 2026 (21 quarters).
Commercial real estate loans (construction and land development, multifamily, nonowner-occupied nonfarm nonresidential and other commercial real estate loans) as a percent of tier 1 capital plus the allowance for credit losses. The banking agencies' 2006 guidance looks more closely at banks above 300 percent.
Every quarter
| Quarter | US banking system | Average bank | Banks filing |
|---|---|---|---|
| Q2 2026 | 102.97% | 144.61% | 4,297 |
| Q1 2026 | 102.33% | 145.33% | 4,336 |
| Q4 2025 | 102.04% | 145.64% | 4,394 |
| Q3 2025 | 101.38% | 144.41% | 4,435 |
| Q2 2025 | 101.75% | 145.21% | 4,477 |
| Q1 2025 | 102.20% | 145.28% | 4,519 |
| Q4 2024 | 102.49% | 145.70% | 4,543 |
| Q3 2024 | 102.82% | 144.73% | 4,572 |
| Q2 2024 | 104.02% | 144.56% | 4,594 |
| Q1 2024 | 105.47% | 144.64% | 4,623 |
| Q4 2023 | 106.03% | 144.68% | 4,641 |
| Q3 2023 | 104.92% | 143.16% | 4,669 |
| Q2 2023 | 105.58% | 143.20% | 4,697 |
| Q1 2023 | 105.37% | 143.23% | 4,724 |
| Q4 2022 | 105.36% | 142.77% | 4,756 |
| Q3 2022 | 104.26% | 140.28% | 4,796 |
| Q2 2022 | 102.14% | 137.89% | 4,821 |
| Q1 2022 | 99.84% | 135.11% | 4,844 |
| Q4 2021 | 97.81% | 133.77% | 4,887 |
| Q3 2021 | 96.20% | 131.28% | 4,962 |
| Q2 2021 | 96.17% | 130.03% | 4,998 |
How to cite
BankRegReports. "US bank industry CRE concentration, quarterly." Data Q2 2021 to Q2 2026. https://www.bankregreports.com/industry/cre-concentration/ (retrieved October 23, 2026).
This URL is stable: it always shows the newest quarter, and older quarters stay in the table.
How this is measured. The US banking system figure is commercial real estate loans of all banks over their tier 1 capital plus allowance for credit losses, counting only banks that report both, so a large bank counts in proportion to its size. The average bank figure is the simple average of each bank's own ratio, so every bank counts the same. Both cover every US bank and savings institution that filed a call report for the quarter. A quarter appears once enough banks have filed to describe the industry; until then the newest quarter shown is the one before. A median is not published here yet. Source: FFIEC Consolidated Reports of Condition and Income (call reports).
Related:
More US industry history:
- US average net interest margin
- US average return on assets
- US average return on equity
- US average efficiency ratio
- US average nonperforming loan ratio
- US average net charge-off ratio
- US average CET1 capital ratio
- US average tier 1 leverage ratio
- US average loan-to-deposit ratio
- US average brokered deposit ratio
- US average uninsured deposit ratio