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 capital (Tier 1 plus the allowance, 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.

Data as of Q2 2026 call reports. Ranked highest first; closed charters are excluded. Across the 3,687 ranked banks, the median CRE Loans to Tier 1 Capital + Allowance is 149.42%, and 383 are in the stress band. Next update: Q3 2026 Call Reports are due October 30, 2026; we expect them on the platform by mid-November 2026.

383In Stress Band

2,035On Watch

1,269Within Norms

3,687Total Ranked

How the bands work. Within norms: 100% or lower. On watch: above 100% up to 300%. In stress: above 300%. These are screening cutoffs, not supervisory ratings.

Showing the top 100 of 3,687 ranked banks. Create a free account or sign in to see every ranked bank.

#	Bank	HQ	Asset Tier	CRE Loans to Tier 1 Capital + Allowance	Band
1	River City Bank	Sacramento, CA	4: $1B-10B	597.84%	STRESS
2	Oneunited Bank	Boston, MA	5: $100M-1B	594.44%	STRESS
3	Smartbiz Bank, N.A.	Northbrook, IL	5: $100M-1B	580.11%	STRESS
4	Marquette Bank	Chicago, IL	4: $1B-10B	576.77%	STRESS
5	Freedom Bank	Maywood, NJ	5: $100M-1B	575.86%	STRESS
6	HCN Bank	Riverside, CA	5: $100M-1B	561.38%	STRESS
7	Five Star Bank	Roseville, CA	4: $1B-10B	537.54%	STRESS
8	DMB Community Bank	Madison, WI	5: $100M-1B	535.93%	STRESS
9	Habib American Bank	New York, NY	4: $1B-10B	526.24%	STRESS
10	Ocean Bank	Miami, FL	4: $1B-10B	525.61%	STRESS
11	Hingham Institution for Savings	Hingham, MA	4: $1B-10B	524.76%	STRESS
12	Kearny Bank	Fairfield, NJ	4: $1B-10B	514.96%	STRESS
13	Northeast Community Bank	White Plains, NY	4: $1B-10B	513.78%	STRESS
14	Riverhills Bank	Milford, OH	5: $100M-1B	510.92%	STRESS
15	Carver Federal Savings Bank	New York, NY	5: $100M-1B	498.16%	STRESS
16	Lakeside Bank	Chicago, IL	4: $1B-10B	491.58%	STRESS
17	Prime Security Bank	Karlstad, MN	5: $100M-1B	485.59%	STRESS
18	Northeast Bank	Lewiston, ME	4: $1B-10B	483.81%	STRESS
19	Bridgewater Bank	Saint Louis Park, MN	4: $1B-10B	479.10%	STRESS
20	Liberty Bank N.A.	Irvine, CA	5: $100M-1B	477.00%	STRESS
21	Spencer Savings Bank, Savings and Loan Association	Elmwood Park, NJ	4: $1B-10B	476.48%	STRESS
22	First National Bank of Michigan	Kalamazoo, MI	5: $100M-1B	474.20%	STRESS
23	Malaga Bank, FSB	Palos Verdes Estates, CA	4: $1B-10B	472.86%	STRESS
24	Commercial Bank of California	Irvine, CA	4: $1B-10B	472.79%	STRESS
25	Crown Bank	Edina, MN	5: $100M-1B	468.63%	STRESS
26	First National Bank of Brookfield	Brookfield, IL	5: $100M-1B	467.10%	STRESS
27	Optimumbank	Fort Lauderdale, FL	4: $1B-10B	466.64%	STRESS
28	Everett Co-Operative Bank	Everett, MA	4: $1B-10B	465.62%	STRESS
29	Farmers & Merchants State Bank	Waterloo, WI	5: $100M-1B	463.44%	STRESS
30	First Commerce Bank	Lakewood, NJ	4: $1B-10B	462.91%	STRESS
31	River Bank	Stoddard, WI	4: $1B-10B	462.11%	STRESS
32	State Bank of Texas	Irving, TX	4: $1B-10B	460.80%	STRESS
33	Parkway Bank and Trust Company	Harwood Heights, IL	4: $1B-10B	458.12%	STRESS
34	Gbank	Las Vegas, NV	4: $1B-10B	456.46%	STRESS
35	Genesis Bank	Newport Beach, CA	5: $100M-1B	455.40%	STRESS
36	First Resource Bank	Exton, PA	5: $100M-1B	454.10%	STRESS
37	First Federal Savings and Loan Association of San Rafael	San Rafael, CA	5: $100M-1B	453.83%	STRESS
38	First Carolina Bank	Rocky Mount, NC	4: $1B-10B	450.79%	STRESS
39	Enterprise Bank	Omaha, NE	5: $100M-1B	449.83%	STRESS
40	Legacy Bank & Trust Company	Mountain Grove, MO	4: $1B-10B	449.21%	STRESS
41	International Finance Bank	Miami, FL	4: $1B-10B	446.42%	STRESS
42	Freedom Financial Bank	West Des Moines, IA	5: $100M-1B	446.37%	STRESS
43	Riverside Bank of Dublin	Dublin, OH	5: $100M-1B	446.30%	STRESS
44	Oklahoma Capital Bank	Tulsa, OK	5: $100M-1B	444.95%	STRESS
45	Dundee Bank	Omaha, NE	5: $100M-1B	443.00%	STRESS
46	Great Southern Bank	Reeds Spring, MO	4: $1B-10B	441.63%	STRESS
47	Waterfall Bank	Clearwater, FL	5: $100M-1B	441.03%	STRESS
48	Ubank	Huntington, TX	4: $1B-10B	440.24%	STRESS
49	Pacific Crest Bank	Lynnwood, WA	5: $100M-1B	440.04%	STRESS
50	First Oklahoma Bank	Jenks, OK	4: $1B-10B	439.84%	STRESS
51	Citizens Bank	Kilgore, TX	5: $100M-1B	439.76%	STRESS
52	Cornerstone Bank	Overland Park, KS	5: $100M-1B	438.24%	STRESS
53	American Bank	Allentown, PA	4: $1B-10B	436.76%	STRESS
54	Apple Bank	New York, NY	3: $10B-100B	436.70%	STRESS
55	United Fidelity Bank, FSB	Evansville, IN	4: $1B-10B	435.86%	STRESS
56	City First Bank, N.A.	Washington, DC	4: $1B-10B	435.74%	STRESS
57	Monterey County Bank	Monterey, CA	5: $100M-1B	435.49%	STRESS
58	The Park Bank	Madison, WI	4: $1B-10B	432.73%	STRESS
59	ConnectOne Bank	Englewood Cliffs, NJ	3: $10B-100B	430.91%	STRESS
60	Interbank	Oklahoma City, OK	4: $1B-10B	430.50%	STRESS
61	United Orient Bank	New York, NY	5: $100M-1B	429.46%	STRESS
62	Provident Bank	Jersey City, NJ	3: $10B-100B	429.24%	STRESS
63	United Bank of Michigan	Grand Rapids, MI	4: $1B-10B	428.14%	STRESS
64	Peapack Private Bank and Trust	Bedminster, NJ	4: $1B-10B	426.88%	STRESS
65	Bank of New England	Salem, NH	4: $1B-10B	426.85%	STRESS
66	Ohio State Bank	Bexley, OH	5: $100M-1B	426.02%	STRESS
67	Trustar Bank	Great Falls, VA	4: $1B-10B	423.75%	STRESS
68	American Plus Bank, N.A.	Arcadia, CA	5: $100M-1B	420.35%	STRESS
69	Ponce Bank, N.A.	Bronx, NY	4: $1B-10B	415.94%	STRESS
70	Core Bank	Omaha, NE	4: $1B-10B	413.35%	STRESS
71	Forest Park National Bank and Trust Company	Forest Park, IL	5: $100M-1B	413.18%	STRESS
72	Founders Bank	Washington, DC	5: $100M-1B	412.65%	STRESS
73	Cornhusker Bank	Lincoln, NE	4: $1B-10B	412.47%	STRESS
74	American Eagle Bank	South Elgin, IL	5: $100M-1B	410.80%	STRESS
75	Kish Bank	Belleville, PA	4: $1B-10B	410.29%	STRESS
76	American Pride Bank	Macon, GA	4: $1B-10B	406.57%	STRESS
77	Preferred Bank	Los Angeles, CA	4: $1B-10B	405.63%	STRESS
78	Grinnell State Bank	Grinnell, IA	5: $100M-1B	404.38%	STRESS
79	Alma Bank	Astoria, NY	4: $1B-10B	403.97%	STRESS
80	United Business Bank	Walnut Creek, CA	4: $1B-10B	402.74%	STRESS
81	Piermont Bank	New York, NY	5: $100M-1B	402.43%	STRESS
82	The Equitable Bank, S.S.B.	Wauwatosa, WI	5: $100M-1B	400.90%	STRESS
83	BCB Community Bank	Bayonne, NJ	4: $1B-10B	399.90%	STRESS
84	Haven Savings Bank	Hoboken, NJ	5: $100M-1B	398.20%	STRESS
85	KS Bank, Inc.	Smithfield, NC	5: $100M-1B	398.01%	STRESS
86	Community State Bank	Ankeny, IA	4: $1B-10B	397.48%	STRESS
87	Horizon Bank	Waverly, NE	5: $100M-1B	397.43%	STRESS
88	Spectra Bank	Fort Worth, TX	5: $100M-1B	395.67%	STRESS
89	Chemung Canal Trust Company, N.A.	Elmira, NY	4: $1B-10B	395.56%	STRESS
90	Pan American Bank & Trust	Melrose Park, IL	5: $100M-1B	395.31%	STRESS
91	Providence Bank	Rocky Mount, NC	4: $1B-10B	395.03%	STRESS
92	Enterprise Bank	Allison Park, PA	5: $100M-1B	394.64%	STRESS
93	Amboy Bank	Old Bridge, NJ	4: $1B-10B	394.05%	STRESS
94	Carter Bank & Trust	Martinsville, VA	4: $1B-10B	392.34%	STRESS
95	Millennium Bank	Des Plaines, IL	5: $100M-1B	391.71%	STRESS
96	US Metro Bank	Garden Grove, CA	4: $1B-10B	391.66%	STRESS
97	Flagship Bank	Clearwater, FL	5: $100M-1B	391.14%	STRESS
98	American National Bank & Trust	Wichita Falls, TX	4: $1B-10B	389.75%	STRESS
99	Bank of Tennessee	Kingsport, TN	4: $1B-10B	389.34%	STRESS
100	Kennebunk Savings Bank	Kennebunk, ME	4: $1B-10B	389.19%	STRESS

Methodology

Ranks the most-recent FFIEC call report filing for every active FDIC-insured commercial bank, including community bank leverage ratio (CBLR) filers, since the denominator is Tier 1 capital plus the allowance rather than total risk-based capital. Excludes banks with no CRE loans on record or with capital data missing. Refreshed quarterly. Banks file Call Reports within 30 days of quarter-end (35 days for banks with more than one foreign office), the FFIEC posts the bulk files about 45 days after quarter-end, and BankRegReports loads each quarter by the middle of the second month after it closes, for example Q1 by mid-May.

Source authority: FFIEC Call Report Schedule RC-C (loan portfolio), RC-R (Tier 1 capital) and RC (allowance). Concentration is construction and land development, multifamily, non-owner-occupied nonfarm nonresidential, and loans to finance CRE not secured by real estate, divided by Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. This is the definition in the joint Interagency Guidance on Concentrations in Commercial Real Estate Lending (2006), as reported on FFIEC UBPR page 7B.

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 screeners: Uninsured Deposits · AOCI Burden · Construction Concentration · Agricultural Concentration · Loan Sale Prospects · OREO Prospects

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