Banks ranked by commercial real estate vs capital

This ranking sorts FDIC-insured banks by commercial real estate concentration relative to total risk-based capital, a regulatory measure of loss-absorbing capital. The ratio combines construction and land development loans, non-owner-occupied commercial property loans, and multifamily loans. It then divides that amount by total risk-based capital. Owner-occupied commercial property is excluded. The ranking shows which banks report the most commercial real estate lending for each dollar of that capital.

This list sorts one reported ratio. It is not a grade. It does not show loan quality, the mix of property types, or the properties’ geographic locations. Each value appears beside the bank’s peer band, its group of banks with similar total assets. The metric percentile also appears beside each value. It shows how the bank compares with other banks of similar size that report this ratio. Lefomi is an independent information site, not a bank, rating agency, or financial adviser. The ranking does not forecast anything or provide financial advice.

Banks, quarter ending June 30, 2026
#	Bank	State	CRE vs capital	Percentile	Grade
1	River City Bank	CA	649.4%	0.0	C33.9
2	HCN Bank	CA	611.1%	0.0	B52.2
3	OneUnited Bank	MA	608.9%	0.1	C31.2
4	Marquette Bank	IL	576.1%	0.1	B55.0
5	Freedom Bank	NJ	574.8%	0.1	F1.3
6	DMB Community Bank	WI	538.7%	0.2	B67.5
7	Five Star Bank	CA	536.4%	0.2	D9.2
8	Nano Banc	CA	528.8%	0.3	F0.1
9	Ocean Bank	FL	527.7%	0.3	D6.0
10	Habib American Bank	NY	526.2%	0.4	F4.9
11	Hingham Institution for Savings	MA	524.8%	0.6	D9.7
12	First National Bank of Brookfield	IL	517.8%	0.3	B66.6
13	Kearny Bank	NJ	513.9%	0.7	F0.1
14	Farmers & Merchants State Bank	WI	503.8%	0.1	C46.8
15	OptimumBank	FL	503.6%	0.8	C36.9
16	NorthEast Community Bank	NY	501.1%	0.9	B64.5
17	Dundee Bank	NE	495.1%	0.4	C32.6
18	RiverHills Bank	OH	493.2%	0.5	B55.6
19	Lakeside Bank	IL	490.8%	1.0	C47.8
20	UBank	TX	489.1%	1.1	F3.7
21	Cornerstone Bank	KS	486.9%	0.6	D6.0
22	GBank	NV	486.6%	1.2	D19.4
23	Oklahoma Capital Bank	OK	485.8%	0.1	D11.1
24	Citizens Bank	TX	485.0%	0.6	F1.5
25	Prime Security Bank	MN	484.0%	0.2	F0.8
26	State Bank of Texas	TX	483.8%	1.3	B78.3
27	Legacy Bank & Trust Company	MO	482.8%	1.5	C49.9
28	Liberty Bank, National Association	CA	480.1%	0.7	B57.0
29	First National Bank of Michigan	MI	479.9%	0.8	D12.9
30	Riverside Bank of Dublin	OH	479.2%	0.2	D6.4
31	First Oklahoma Bank	OK	476.0%	1.6	D15.5
32	Spencer Savings Bank, SLA	NJ	475.6%	1.7	D10.2
33	Malaga Bank F.S.B.	CA	472.8%	1.8	A87.2
34	Monterey County Bank	CA	470.5%	0.8	D5.5
35	Commercial Bank of California	CA	470.0%	1.9	F2.1
36	River Bank	WI	465.0%	2.0	B70.3
37	Northeast Bank	ME	464.3%	2.1	A80.2
38	United Bank of Michigan	MI	463.1%	2.2	A82.7
39	Everett Co-operative Bank	MA	463.1%	2.3	F4.1
40	Ohio State Bank	OH	461.3%	0.9	C40.2
41	First Commerce Bank	NJ	459.3%	2.5	F2.5
42	American Plus Bank, N.A.	CA	454.9%	1.0	C25.1
43	First Resource Bank	PA	454.0%	1.0	F4.0
44	First Federal Savings and Loan Association of San Rafael	CA	453.7%	0.3	C38.7
45	BCB Community Bank	NJ	453.5%	2.6	D5.3
46	Freedom Financial Bank	IA	453.3%	0.3	F3.7
47	InterBank	OK	450.8%	2.7	C26.7
48	Pacific Crest Bank	WA	448.6%	1.1	C32.6
49	Enterprise Bank	NE	448.1%	1.2	C36.1
50	First Carolina Bank	NC	448.0%	2.8	C48.5
51	International Finance Bank	FL	447.7%	2.9	C46.8
52	Bank of New England	NH	447.3%	3.0	B53.4
53	Millennium Bank	IL	443.6%	1.3	F2.8
54	Carver Federal Savings Bank	NY	442.4%	1.3	F1.3
55	Genesis Bank	CA	441.6%	1.4	D17.6
56	Waterfall Bank	FL	440.8%	1.5	C26.2
57	Bridgewater Bank	MN	440.7%	3.1	B56.4
58	ConnectOne Bank	NJ	438.7%	0.0	C37.3
59	Great Southern Bank	MO	437.8%	3.2	D16.6
60	Apple Bank	NY	436.1%	0.8	D9.5
61	American Bank	PA	433.8%	3.4	B61.2
62	Parkway Bank and Trust Company	IL	432.8%	3.5	C29.1
63	American Pride Bank	GA	430.6%	3.6	C23.7
64	United Fidelity Bank, fsb	IN	430.4%	3.7	D11.9
65	Spectra Bank	TX	428.9%	0.4	D10.1
66	United Orient Bank	NY	425.4%	0.4	C35.8
67	KS Bank, Inc.	NC	425.3%	1.5	C21.9
68	Founders Bank	DC	424.6%	1.6	C37.2
69	The Park Bank	WI	423.8%	3.8	C33.4
70	Kennebunk Savings Bank	ME	423.6%	3.9	B72.3
71	Trustar Bank	VA	422.4%	4.0	F1.5
72	Provident Bank	NJ	421.8%	1.6	D17.5
73	Golden State Bank	CA	420.4%	4.1	D16.2
74	Wallis Bank	TX	419.5%	4.3	D15.5
75	Providence Bank	NC	418.8%	4.4	A87.4
76	Flagship Bank	FL	418.5%	1.7	C21.8
77	The Equitable Bank, S.S.B.	WI	418.4%	1.7	B58.1
78	Frontier State Bank	OK	415.5%	1.8	C22.1
79	Ponce Bank, National Association	NY	413.7%	4.5	C42.4
80	Cornhusker Bank	NE	413.1%	4.6	A81.9
81	Forest Park National Bank and Trust Company	IL	411.6%	1.9	F2.6
82	American Eagle Bank	IL	410.7%	2.0	C31.1
83	Pacific Alliance Bank	CA	406.9%	2.0	B75.8
84	Kish Bank	PA	406.4%	4.7	F3.0
85	Peapack Private Bank & Trust	NJ	405.9%	4.8	F0.3
86	Alma Bank	NY	405.8%	4.9	F1.3
87	Town & Country Bank	NV	404.8%	0.5	C25.1
88	The Fahey Banking Company	OH	403.9%	2.1	C48.4
89	Home Bank of California	CA	403.9%	0.6	B75.7
90	Grinnell State Bank	IA	402.7%	2.2	C20.5
91	United Business Bank	CA	402.2%	5.0	C25.6
92	Piermont Bank	NY	402.2%	2.2	D19.2
93	Pan American Bank & Trust	IL	400.6%	2.3	F0.9
94	Haven Savings Bank	NJ	398.2%	2.4	F1.6
95	Brentwood Bank	PA	397.7%	5.1	C27.2
96	Central Bank	FL	397.7%	2.4	F3.0
97	Amboy Bank	NJ	396.4%	5.3	C30.0
98	One Community Bank	WI	395.7%	5.4	C34.9
99	First Westroads Bank, Inc.	NE	395.4%	2.5	C39.0
100	Carter Bank & Trust	VA	395.0%	5.5	B79.2

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