Bank Risk Screener

US Banks Ranked by Commercial Real Estate Concentration

Commercial real estate (CRE) concentration is the single most-watched credit-risk signal at US community banks. The 2006 Interagency Guidance flags institutions with CRE loans exceeding 300% of total risk-based capital — combined with significant growth — for heightened supervisory attention. Above 300% does not mean a bank is unsafe; it means examiners will scrutinize the underwriting, the concentration of exposure within CRE sub-asset-classes, and the bank's ability to absorb stress on those exposures. This page ranks every FDIC-insured US commercial bank by current CRE-to-capital ratio, with supervisory thresholds highlighted.

100In Stress Band

0On Watch

0Within Norms

100Total Ranked

#	Bank	HQ	Asset Tier	CRE Loans to Total Capital	Band
1	EH National Bank	Beverly Hills, CA	Small	805.96%	STRESS
2	ENTERPRISE BANK	ALLISON PARK, PA	Medium	693.14%	STRESS
3	RIVER CITY BANK	SACRAMENTO, CA	Large	682.82%	STRESS
4	CITIZENS BANK	KILGORE, TX	Small	681.30%	STRESS
5	FREEDOM BANK	MAYWOOD, NJ	Medium	658.59%	STRESS
6	UNION NATIONAL BANK	ELGIN, IL	Small	647.71%	STRESS
7	FIRST BANK OF THE LAKE	OSAGE BEACH, MO	Large	636.18%	STRESS
8	FIVE STAR BANK	ROSEVILLE, CA	Large	635.25%	STRESS
9	FIRST NATIONAL BANK OF MICHIGAN	KALAMAZOO, MI	Medium	630.26%	STRESS
10	The Piedmont Bank	Peachtree Corners, GA	Large	625.25%	STRESS
11	1ST ADVANTAGE BANK	SAINT PETERS, MO	Small	624.88%	STRESS
12	FIRST RESOURCE BANK	EXTON, PA	Medium	624.62%	STRESS
13	OCEAN BANK	MIAMI, FL	Large	616.70%	STRESS
14	WALLIS BANK	WALLIS, TX	Large	616.23%	STRESS
15	COMMUNITY BANK MANKATO	VERNON CENTER, MN	Medium	615.58%	STRESS
16	FIRST COMMERCE BANK	LAKEWOOD, NJ	Large	612.40%	STRESS
17	BARWICK BANKING COMPANY	BARWICK, GA	Medium	609.81%	STRESS
18	COMMERCIAL BANK OF CALIFORNIA	IRVINE, CA	Large	609.72%	STRESS
19	BANK FIVE NINE	OCONOMOWOC, WI	Large	606.00%	STRESS
20	FREEDOM FINANCIAL BANK	WEST DES MOINES, IA	Small	605.83%	STRESS
21	PRIME SECURITY BANK	KARLSTAD, MN	Small	602.72%	STRESS
22	CARVER FEDERAL SAVINGS BANK	NEW YORK, NY	Medium	599.03%	STRESS
23	ALMA BANK	ASTORIA, NY	Large	594.23%	STRESS
24	RIVERHILLS BANK	MILFORD, OH	Small	590.80%	STRESS
25	HCN BANK	RIVERSIDE, CA	Medium	589.92%	STRESS
26	HABIB AMERICAN BANK	NEW YORK, NY	Large	582.09%	STRESS
27	PREMIER BANK MINNESOTA	HASTINGS, MN	Medium	580.18%	STRESS
28	MARQUETTE BANK	CHICAGO, IL	Large	579.36%	STRESS
29	LAKESIDE BANK	CHICAGO, IL	Large	578.60%	STRESS
30	HINGHAM INSTITUTION FOR SAVINGS	HINGHAM, MA	Large	578.25%	STRESS
31	HURON VALLEY STATE BANK	MILFORD, MI	Small	577.71%	STRESS
32	LEGACY NATIONAL BANK	SPRINGDALE, AR	Large	576.48%	STRESS
33	VISIONBANK	SAINT LOUIS PARK, MN	Small	575.11%	STRESS
34	SUMMIT STATE BANK	SANTA ROSA, CA	Medium	574.13%	STRESS
35	POPPY BANK	SANTA ROSA, CA	Large	572.37%	STRESS
36	DMB COMMUNITY BANK	MADISON, WI	Medium	571.04%	STRESS
37	INTRACOASTAL BANK	PALM COAST, FL	Medium	566.78%	STRESS
38	METROPOLITAN COMMERCIAL BANK	NEW YORK, NY	Large	566.04%	STRESS
39	FARMERS AND MERCHANTS BANK	UPPERCO, MD	Medium	565.47%	STRESS
40	CATSKILL HUDSON BANK	MONTICELLO, NY	Medium	562.98%	STRESS
41	UNION BANK	GRAND RAPIDS, MI	Small	561.41%	STRESS
42	LINKBANK	Camp Hill, PA	Large	559.54%	STRESS
43	FIRST CAROLINA BANK	ROCKY MOUNT, NC	Large	558.35%	STRESS
44	CENTRAL BANK	TAMPA, FL	Small	557.06%	STRESS
45	The Victory Bank	Limerick, PA	Small	556.96%	STRESS
46	SPENCER SAVINGS BANK, SAVINGS AND LOAN ASSOCIATION	ELMWOOD PARK, NJ	Large	556.33%	STRESS
47	RIVER BANK	STODDARD, WI	Large	555.86%	STRESS
48	GRAND RIVER BANK	GRANDVILLE, MI	Medium	555.04%	STRESS
49	FOREST PARK NATIONAL BANK AND TRUST COMPANY	FOREST PARK, IL	Small	552.97%	STRESS
50	ERGO BANK	MARKESAN, WI	Small	552.71%	STRESS
51	CAPITAL BANK	HOUSTON, TX	Medium	552.24%	STRESS
52	PAN AMERICAN BANK & TRUST	MELROSE PARK, IL	Medium	551.24%	STRESS
53	UNITY BANK	AUGUSTA, WI	Medium	549.67%	STRESS
54	OMB BANK	SPRINGFIELD, MO	Large	549.60%	STRESS
55	BANK OF BIRD-IN-HAND	BIRD IN HAND, PA	Large	549.12%	STRESS
56	BANK OF SUN PRAIRIE	SUN PRAIRIE, WI	Medium	546.84%	STRESS
57	MILLENNIUM BANK	DES PLAINES, IL	Medium	543.71%	STRESS
58	CONNECTONE BANK	ENGLEWOOD CLIFFS, NJ	Regional	541.96%	STRESS
59	HomeStreet Bank	Seattle, WA	Large	540.94%	STRESS
60	BANK OF PRINCETON, THE	PRINCETON, NJ	Large	540.20%	STRESS
61	TOUCHMARK NATIONAL BANK	ALPHARETTA, GA	Small	539.05%	STRESS
62	UNITED BUSINESS BANK	WALNUT CREEK, CA	Large	538.66%	STRESS
63	VISIONBANK OF IOWA	AMES, IA	Medium	538.21%	STRESS
64	PEOPLES BANK	CLIVE, IA	Medium	537.40%	STRESS
65	STERLING STATE BANK	AUSTIN, MN	Small	535.92%	STRESS
66	PEOPLES NATIONAL BANK, NATIONAL ASSOCIATION	MOUNT VERNON, IL	Large	533.96%	STRESS
67	FLUSHING BANK	UNIONDALE, NY	Large	533.42%	STRESS
68	CITIZENS BANK	BUTLER, MO	Small	533.41%	STRESS
69	GENESIS BANK	NEWPORT BEACH, CA	Small	533.09%	STRESS
70	BANKWELL BANK	NEW CANAAN, CT	Large	532.92%	STRESS
71	PARTNERS BANK OF CALIFORNIA	MISSION VIEJO, CA	Medium	532.49%	STRESS
72	SOUTHWESTERN NATIONAL BANK	HOUSTON, TX	Large	531.04%	STRESS
73	SOUTHERN MICHIGAN BANK & TRUST	COLDWATER, MI	Large	530.75%	STRESS
74	NORTHEAST BANK	LEWISTON, ME	Large	530.51%	STRESS
75	US METRO BANK	GARDEN GROVE, CA	Large	530.23%	STRESS
76	EMBASSY NATIONAL BANK	LAWRENCEVILLE, GA	Small	529.09%	STRESS
77	ENTERPRISE BANK	OMAHA, NE	Medium	528.96%	STRESS
78	MILLENNIUM BANK	OOLTEWAH, TN	Medium	528.90%	STRESS
79	PB&T BANK	PUEBLO, CO	Medium	528.15%	STRESS
80	SABINE STATE BANK AND TRUST COMPANY	MANY, LA	Large	527.74%	STRESS
81	UNIBANK	LYNNWOOD, WA	Small	527.31%	STRESS
82	PROVIDENT BANK	JERSEY CITY, NJ	Regional	527.07%	STRESS
83	FIRST COMMUNITY BANK	HARBOR SPRINGS, MI	Small	526.85%	STRESS
84	KEARNY BANK	FAIRFIELD, NJ	Large	526.51%	STRESS
85	LCNB NATIONAL BANK	LEBANON, OH	Large	525.16%	STRESS
86	LIBERTY BANK N.A.	IRVINE, CA	Small	523.40%	STRESS
87	PATRIOTS BANK	GARNETT, KS	Small	522.55%	STRESS
88	ANDOVER STATE BANK	ANDOVER, KS	Small	522.33%	STRESS
89	QUAINT OAK BANK	SOUTHAMPTON, PA	Medium	521.55%	STRESS
90	MAINSTREET BANK	FAIRFAX, VA	Large	520.86%	STRESS
91	AMERICAN BANK	ALLENTOWN, PA	Large	520.66%	STRESS
92	WATERFALL BANK	CLEARWATER, FL	Small	520.11%	STRESS
93	NEW FRONTIER BANK	SAINT CHARLES, MO	Small	519.78%	STRESS
94	STONE BANK	MOUNTAIN VIEW, AR	Medium	518.74%	STRESS
95	ENTERPRISE BANK AND TRUST COMPANY	LOWELL, MA	Large	518.37%	STRESS
96	HOME STATE BANK	JEFFERSON, IA	Small	518.30%	STRESS
97	FIRST NATIONAL BANK OF BROOKFIELD	BROOKFIELD, IL	Small	518.29%	STRESS
98	FIRST UTAH BANK	SALT LAKE CITY, UT	Medium	516.42%	STRESS
99	GOLDEN BANK, NATIONAL ASSOCIATION	HOUSTON, TX	Large	516.00%	STRESS
100	21ST CENTURY BANK	LORETTO, MN	Medium	515.22%	STRESS

Methodology

Ranks the most-recent FFIEC call report filing for every active FDIC-insured commercial bank. Excludes banks with no CRE loans on record or with capital data missing. Refreshed quarterly within 48 hours of FFIEC release.

Source authority: FFIEC Call Report Schedule RC-C (loan portfolio) and Schedule RC (capital). Concentration is computed as total commercial real-estate loans divided by total risk-based capital — the same definition the OCC, FDIC, and Federal Reserve use in their joint Interagency Guidance on Concentrations in Commercial Real Estate Lending (2006).

Frequently asked

What CRE concentration triggers supervisory attention?

The 2006 Interagency Guidance flags two conditions in combination: (1) total construction, land development, and other land loans exceed 100% of capital, AND (2) total commercial real estate loans exceed 300% of capital with growth of 50% or more in the prior 36 months. Crossing either threshold alone doesn't automatically trigger enforcement, but examiners will probe underwriting standards, portfolio diversification, and stress-testing rigor.

Is high CRE concentration unsafe?

Not by itself. A bank with strong underwriting, granular property diversification, conservative loan-to-value ratios, and robust stress-testing can run high concentration safely. The supervisory concern is concentration without the corresponding risk-management infrastructure. Several large community banks operate well above 300% CRE-to-capital and are rated highly on CAMELS.

Why does this matter for depositors and investors?

CRE has been the loss leader in every post-1980 US banking crisis. When CRE values fall sharply (1989–92 S&L crisis; 2008–11 GFC; 2023–25 office-loan reckoning), banks with concentrated CRE books absorb the losses first. Understanding a specific bank's CRE concentration is the single highest-signal credit-quality datapoint available from public regulatory filings.

Explore other risk screeners: CRE Concentration · Uninsured Deposits · AOCI Burden · Construction Concentration

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