Bank rankings
Banks ranked by commercial real estate vs capital
One reported ratio determines this order, including filtered results. Its percentile, standing among similarly sized banks, differs from the overall size-group score and letter, which combine ratios. Each row names the bank’s size group; adjacent labels show the filed quarter and result limit. These comparisons do not change deposit insurance.
Metric notes
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.
Ranked banks
- Quarter ending
- June 30, 2026
- State
- All states
- Size band
- All sizes
- Results
- First 100 results
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| Bank | CRE vs capital | Peer group | Peer percentile | Lefomi grade |
|---|---|---|---|---|
| Rank 1River City BankCA | 649.4% | $1B to under $10B | 0.0 | Grade CScore 33.9 out of 100 |
| Rank 2HCN BankCA | 611.1% | $300M to under $1B | 0.0 | Grade BScore 52.2 out of 100 |
| Rank 3OneUnited BankMA | 608.9% | $300M to under $1B | 0.1 | Grade CScore 31.2 out of 100 |
| Rank 4Marquette BankIL | 576.1% | $1B to under $10B | 0.1 | Grade BScore 55.0 out of 100 |
| Rank 5Freedom BankNJ | 574.8% | $300M to under $1B | 0.1 | Grade FScore 1.3 out of 100 |
| Rank 6DMB Community BankWI | 538.7% | $300M to under $1B | 0.2 | Grade BScore 67.5 out of 100 |
| Rank 7Five Star BankCA | 536.4% | $1B to under $10B | 0.2 | Grade DScore 9.2 out of 100 |
| Rank 8Ocean BankFL | 527.7% | $1B to under $10B | 0.3 | Grade DScore 6.0 out of 100 |
| Rank 9Habib American BankNY | 526.2% | $1B to under $10B | 0.4 | Grade FScore 4.9 out of 100 |
| Rank 10Hingham Institution for SavingsMA | 524.8% | $1B to under $10B | 0.6 | Grade DScore 9.7 out of 100 |
| Rank 11First National Bank of BrookfieldIL | 517.8% | $300M to under $1B | 0.3 | Grade BScore 66.6 out of 100 |
| Rank 12Kearny BankNJ | 513.9% | $1B to under $10B | 0.7 | Grade FScore 0.1 out of 100 |
| Rank 13Farmers & Merchants State BankWI | 503.8% | Under $300M | 0.1 | Grade CScore 46.8 out of 100 |
| Rank 14OptimumBankFL | 503.6% | $1B to under $10B | 0.8 | Grade CScore 36.9 out of 100 |
| Rank 15NorthEast Community BankNY | 501.1% | $1B to under $10B | 0.9 | Grade BScore 64.5 out of 100 |
| Rank 16Dundee BankNE | 495.1% | $300M to under $1B | 0.4 | Grade CScore 32.6 out of 100 |
| Rank 17RiverHills BankOH | 493.2% | $300M to under $1B | 0.5 | Grade BScore 55.6 out of 100 |
| Rank 18Lakeside BankIL | 490.8% | $1B to under $10B | 1.0 | Grade CScore 47.8 out of 100 |
| Rank 19UBankTX | 489.1% | $1B to under $10B | 1.1 | Grade FScore 3.7 out of 100 |
| Rank 20Cornerstone BankKS | 486.9% | $300M to under $1B | 0.6 | Grade DScore 6.0 out of 100 |
| Rank 21GBankNV | 486.6% | $1B to under $10B | 1.2 | Grade DScore 19.4 out of 100 |
| Rank 22Oklahoma Capital BankOK | 485.8% | Under $300M | 0.1 | Grade DScore 11.1 out of 100 |
| Rank 23Citizens BankTX | 485.0% | $300M to under $1B | 0.6 | Grade FScore 1.5 out of 100 |
| Rank 24Prime Security BankMN | 484.0% | Under $300M | 0.2 | Grade FScore 0.8 out of 100 |
| Rank 25State Bank of TexasTX | 483.8% | $1B to under $10B | 1.3 | Grade BScore 78.3 out of 100 |
| Bank | CRE vs capital | Peer group | Peer percentile | Lefomi grade |
| Rank 26Legacy Bank & Trust CompanyMO | 482.8% | $1B to under $10B | 1.5 | Grade CScore 49.9 out of 100 |
| Rank 27Liberty Bank, National AssociationCA | 480.1% | $300M to under $1B | 0.7 | Grade BScore 57.0 out of 100 |
| Rank 28First National Bank of MichiganMI | 479.9% | $300M to under $1B | 0.8 | Grade DScore 12.9 out of 100 |
| Rank 29Riverside Bank of DublinOH | 479.2% | Under $300M | 0.2 | Grade DScore 6.4 out of 100 |
| Rank 30First Oklahoma BankOK | 476.0% | $1B to under $10B | 1.6 | Grade DScore 15.5 out of 100 |
| Rank 31Spencer Savings Bank, SLANJ | 475.6% | $1B to under $10B | 1.7 | Grade DScore 10.2 out of 100 |
| Rank 32Malaga Bank F.S.B.CA | 472.8% | $1B to under $10B | 1.8 | Grade AScore 87.2 out of 100 |
| Rank 33Monterey County BankCA | 470.5% | $300M to under $1B | 0.8 | Grade DScore 5.5 out of 100 |
| Rank 34Commercial Bank of CaliforniaCA | 470.0% | $1B to under $10B | 1.9 | Grade FScore 2.1 out of 100 |
| Rank 35River BankWI | 465.0% | $1B to under $10B | 2.0 | Grade BScore 70.3 out of 100 |
| Rank 36Northeast BankME | 464.3% | $1B to under $10B | 2.1 | Grade AScore 80.2 out of 100 |
| Rank 37United Bank of MichiganMI | 463.1% | $1B to under $10B | 2.2 | Grade AScore 82.7 out of 100 |
| Rank 38Everett Co-operative BankMA | 463.1% | $1B to under $10B | 2.3 | Grade FScore 4.1 out of 100 |
| Rank 39Ohio State BankOH | 461.3% | $300M to under $1B | 0.9 | Grade CScore 40.2 out of 100 |
| Rank 40First Commerce BankNJ | 459.3% | $1B to under $10B | 2.5 | Grade FScore 2.5 out of 100 |
| Rank 41American Plus Bank, N.A.CA | 454.9% | $300M to under $1B | 1.0 | Grade CScore 25.1 out of 100 |
| Rank 42First Resource BankPA | 454.0% | $300M to under $1B | 1.0 | Grade FScore 4.0 out of 100 |
| Rank 43First Federal Savings and Loan Association of San RafaelCA | 453.7% | Under $300M | 0.3 | Grade CScore 38.7 out of 100 |
| Rank 44BCB Community BankNJ | 453.5% | $1B to under $10B | 2.6 | Grade DScore 5.3 out of 100 |
| Rank 45Freedom Financial BankIA | 453.3% | Under $300M | 0.3 | Grade FScore 3.7 out of 100 |
| Rank 46InterBankOK | 450.8% | $1B to under $10B | 2.7 | Grade CScore 26.7 out of 100 |
| Rank 47Pacific Crest BankWA | 448.6% | $300M to under $1B | 1.1 | Grade CScore 32.6 out of 100 |
| Rank 48Enterprise BankNE | 448.1% | $300M to under $1B | 1.2 | Grade CScore 36.1 out of 100 |
| Rank 49First Carolina BankNC | 448.0% | $1B to under $10B | 2.8 | Grade CScore 48.5 out of 100 |
| Rank 50International Finance BankFL | 447.7% | $1B to under $10B | 2.9 | Grade CScore 46.8 out of 100 |
| Bank | CRE vs capital | Peer group | Peer percentile | Lefomi grade |
| Rank 51Bank of New EnglandNH | 447.3% | $1B to under $10B | 3.0 | Grade BScore 53.4 out of 100 |
| Rank 52Millennium BankIL | 443.6% | $300M to under $1B | 1.3 | Grade FScore 2.8 out of 100 |
| Rank 53Carver Federal Savings BankNY | 442.4% | $300M to under $1B | 1.3 | Grade FScore 1.3 out of 100 |
| Rank 54Genesis BankCA | 441.6% | $300M to under $1B | 1.4 | Grade DScore 17.6 out of 100 |
| Rank 55Waterfall BankFL | 440.8% | $300M to under $1B | 1.5 | Grade CScore 26.2 out of 100 |
| Rank 56Bridgewater BankMN | 440.7% | $1B to under $10B | 3.1 | Grade BScore 56.4 out of 100 |
| Rank 57ConnectOne BankNJ | 438.7% | $10B to under $100B | 0.0 | Grade CScore 37.3 out of 100 |
| Rank 58Great Southern BankMO | 437.8% | $1B to under $10B | 3.2 | Grade DScore 16.6 out of 100 |
| Rank 59Apple BankNY | 436.1% | $10B to under $100B | 0.8 | Grade DScore 9.5 out of 100 |
| Rank 60American BankPA | 433.8% | $1B to under $10B | 3.4 | Grade BScore 61.2 out of 100 |
| Rank 61Parkway Bank and Trust CompanyIL | 432.8% | $1B to under $10B | 3.5 | Grade CScore 29.1 out of 100 |
| Rank 62American Pride BankGA | 430.6% | $1B to under $10B | 3.6 | Grade CScore 23.7 out of 100 |
| Rank 63United Fidelity Bank, fsbIN | 430.4% | $1B to under $10B | 3.7 | Grade DScore 11.9 out of 100 |
| Rank 64Spectra BankTX | 428.9% | Under $300M | 0.4 | Grade DScore 10.1 out of 100 |
| Rank 65United Orient BankNY | 425.4% | Under $300M | 0.4 | Grade CScore 35.8 out of 100 |
| Rank 66KS Bank, Inc.NC | 425.3% | $300M to under $1B | 1.5 | Grade CScore 21.9 out of 100 |
| Rank 67Founders BankDC | 424.6% | $300M to under $1B | 1.6 | Grade CScore 37.2 out of 100 |
| Rank 68The Park BankWI | 423.8% | $1B to under $10B | 3.8 | Grade CScore 33.4 out of 100 |
| Rank 69Kennebunk Savings BankME | 423.6% | $1B to under $10B | 3.9 | Grade BScore 72.3 out of 100 |
| Rank 70Trustar BankVA | 422.4% | $1B to under $10B | 4.0 | Grade FScore 1.5 out of 100 |
| Rank 71Provident BankNJ | 421.8% | $10B to under $100B | 1.6 | Grade DScore 17.5 out of 100 |
| Rank 72Golden State BankCA | 420.4% | $1B to under $10B | 4.1 | Grade DScore 16.2 out of 100 |
| Rank 73Wallis BankTX | 419.5% | $1B to under $10B | 4.3 | Grade DScore 15.5 out of 100 |
| Rank 74Providence BankNC | 418.8% | $1B to under $10B | 4.4 | Grade AScore 87.4 out of 100 |
| Rank 75Flagship BankFL | 418.5% | $300M to under $1B | 1.7 | Grade CScore 21.8 out of 100 |
| Bank | CRE vs capital | Peer group | Peer percentile | Lefomi grade |
| Rank 76The Equitable Bank, S.S.B.WI | 418.4% | $300M to under $1B | 1.7 | Grade BScore 58.1 out of 100 |
| Rank 77Frontier State BankOK | 415.5% | $300M to under $1B | 1.8 | Grade CScore 22.1 out of 100 |
| Rank 78Ponce Bank, National AssociationNY | 413.7% | $1B to under $10B | 4.5 | Grade CScore 42.4 out of 100 |
| Rank 79Cornhusker BankNE | 413.1% | $1B to under $10B | 4.6 | Grade AScore 81.9 out of 100 |
| Rank 80Forest Park National Bank and Trust CompanyIL | 411.6% | $300M to under $1B | 1.9 | Grade FScore 2.6 out of 100 |
| Rank 81American Eagle BankIL | 410.7% | $300M to under $1B | 2.0 | Grade CScore 31.1 out of 100 |
| Rank 82Pacific Alliance BankCA | 406.9% | $300M to under $1B | 2.0 | Grade BScore 75.8 out of 100 |
| Rank 83Kish BankPA | 406.4% | $1B to under $10B | 4.7 | Grade FScore 3.0 out of 100 |
| Rank 84Peapack Private Bank & TrustNJ | 405.9% | $1B to under $10B | 4.8 | Grade FScore 0.3 out of 100 |
| Rank 85Alma BankNY | 405.8% | $1B to under $10B | 4.9 | Grade FScore 1.3 out of 100 |
| Rank 86Town & Country BankNV | 404.8% | Under $300M | 0.5 | Grade CScore 25.1 out of 100 |
| Rank 87The Fahey Banking CompanyOH | 403.9% | $300M to under $1B | 2.1 | Grade CScore 48.4 out of 100 |
| Rank 88Home Bank of CaliforniaCA | 403.9% | Under $300M | 0.6 | Grade BScore 75.7 out of 100 |
| Rank 89Grinnell State BankIA | 402.7% | $300M to under $1B | 2.2 | Grade CScore 20.5 out of 100 |
| Rank 90United Business BankCA | 402.2% | $1B to under $10B | 5.0 | Grade CScore 25.6 out of 100 |
| Rank 91Piermont BankNY | 402.2% | $300M to under $1B | 2.2 | Grade DScore 19.2 out of 100 |
| Rank 92Pan American Bank & TrustIL | 400.6% | $300M to under $1B | 2.3 | Grade FScore 0.9 out of 100 |
| Rank 93Haven Savings BankNJ | 398.2% | $300M to under $1B | 2.4 | Grade FScore 1.6 out of 100 |
| Rank 94Brentwood BankPA | 397.7% | $1B to under $10B | 5.1 | Grade CScore 27.2 out of 100 |
| Rank 95Central BankFL | 397.7% | $300M to under $1B | 2.4 | Grade FScore 3.0 out of 100 |
| Rank 96Amboy BankNJ | 396.4% | $1B to under $10B | 5.3 | Grade CScore 30.0 out of 100 |
| Rank 97One Community BankWI | 395.7% | $1B to under $10B | 5.4 | Grade CScore 34.9 out of 100 |
| Rank 98First Westroads Bank, Inc.NE | 395.4% | $300M to under $1B | 2.5 | Grade CScore 39.0 out of 100 |
| Rank 99Carter Bank & TrustVA | 395.0% | $1B to under $10B | 5.5 | Grade BScore 79.2 out of 100 |
| Rank 100Enterprise BankPA | 393.8% | $300M to under $1B | 2.6 | Grade FScore 0.6 out of 100 |
Sources
- Source
- FDIC Call Reports