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FDIC Call Report Analysis

Which Alabama Banks Are Actually Growing Their CRE Book — And Who To Call

62 institutions qualified in Alabama: at least one branch in the state (FDIC SOD 2025) and a CRE book of $100m or more. Figures below are institution-level and unprorated — a bank lending in multiple states shows its full CRE book on every state page where it qualifies, not a state-prorated share.

Largest CRE Books, Headquartered in Alabama

10 of 30 Alabama-headquartered institutions.

#InstitutionCRE bookContact
1Regions Bank
Birmingham · FDIC Cert #12368
$10.87bnContact available
2ServisFirst Bank
Birmingham · FDIC Cert #57993
$6.69bnContact available
3Bank Independent
Sheffield · FDIC Cert #16604
$753mContact available
4CB&S Bank, Inc.
Russellville · FDIC Cert #15310
$675mContact available
5River Bank & Trust
Prattville · FDIC Cert #58255
$637mNo contact yet
6Bryant Bank
Tuscaloosa · FDIC Cert #57997
$587mNo contact yet
7Oakworth Capital Bank
Birmingham · FDIC Cert #58783
$422mContact available
8SouthPoint Bank
Birmingham · FDIC Cert #58088
$379mContact available
9Peoples Bank of Alabama
Cullman · FDIC Cert #22537
$373mContact available
10First Bank of Alabama
Talladega · FDIC Cert #2832
$349mContact available

Fastest Growing

Top 10 by organic growth. Percent organic growth over four quarters, with a $250m prior-quarter book floor; shrinking institutions are excluded.

#InstitutionOrganic growthContact
1SmartBank
Pigeon Forge · FDIC Cert #58463
+19.9% +$299mContact available
2Hancock Whitney Bank
Gulfport · FDIC Cert #12441
+15.8% +$814mContact available
3Troy Bank & Trust Company
Troy · FDIC Cert #5598
+15.8% +$43mContact available
4ServisFirst Bank
Birmingham · FDIC Cert #57993
+10.1% +$614mContact available
5Regions Bank
Birmingham · FDIC Cert #12368
+9.0% +$902mContact available
6Origin Bank
Choudrant · FDIC Cert #12614
+8.3% +$213mContact available
7River Bank & Trust
Prattville · FDIC Cert #58255
+8.2% +$48mNo contact yet
8PeoplesSouth Bank
Colquitt · FDIC Cert #21292
+8.0% +$24mContact available
9Community Bank of Mississippi
Flowood · FDIC Cert #8879
+7.8% +$68mNo contact yet
10Ameris Bank
Atlanta · FDIC Cert #20504
+5.6% +$475mContact available

National and Regional Lenders with Branches Here

Top 20 by CRE book size.

#InstitutionCRE bookContact
1Wells Fargo Bank, National Association
Sioux Falls · FDIC Cert #3511
$103.80bnContact available
2PNC Bank, National Association
Wilmington · FDIC Cert #6384
$36.76bnContact available
3Truist Bank
Charlotte · FDIC Cert #9846
$33.24bnContact available
4Pinnacle Bank
Nashville · FDIC Cert #35583
$27.34bnContact available
5Valley National Bank
Passaic · FDIC Cert #9396
$22.66bnContact available
6SouthState Bank, National Association
Winter Haven · FDIC Cert #33555
$20.42bnContact available
7First Horizon Bank
Memphis · FDIC Cert #4977
$13.73bnContact available
8Regions Bank
Birmingham · FDIC Cert #12368
$10.87bnContact available
9Ameris Bank
Atlanta · FDIC Cert #20504
$8.93bnContact available
10Renasant Bank
Tupelo · FDIC Cert #12437
$8.13bnContact available
11Centennial Bank
Conway · FDIC Cert #11241
$8.10bnContact available
12ServisFirst Bank
Birmingham · FDIC Cert #57993
$6.69bnContact available
13United Community Bank
Greenville · FDIC Cert #16889
$6.04bnContact available
14Hancock Whitney Bank
Gulfport · FDIC Cert #12441
$5.96bnContact available
15Bank of Hope
Los Angeles · FDIC Cert #26610
$5.78bnContact available
16Trustmark Bank
Jackson · FDIC Cert #4988
$5.05bnContact available
17FirstBank
Nashville · FDIC Cert #8663
$4.94bnContact available
18Origin Bank
Choudrant · FDIC Cert #12614
$2.77bnContact available
19BankPlus
Belzoni · FDIC Cert #5903
$2.08bnContact available
20Woodforest National Bank
The Woodlands · FDIC Cert #23220
$2.08bnContact available

National institutions

These institutions also clear the state’s qualifying population test — at least one branch presence and a CRE book of $100m or more — but are not evaluated for state relationship-lending purposes and carry no contact: JPMorgan Chase Bank, National Association (FDIC Cert #628).


Sources. FDIC Call Reports and FDIC Summary of Deposits. The qualifying population excludes de novo institutions, excludes any quarter carrying a >40% QoQ reversal in its CRE book, and requires a CRE book of $100m or more — no deposit-share floor is applied to the qualifying population. The page carries two CRE book size rankings drawn from that same qualifying population, on the same basis: one ranking the state’s largest CRE lenders regardless of where they are headquartered, one ranking the largest lenders headquartered in the state. An institution may appear in both. Growth is percent organic growth over four quarters (30 June 2025 → 30 June 2026), excluding growth attributable to an acquisition, subject to a $250m prior-quarter book floor; institutions with negative organic growth are excluded from the growth list. Institutions with a prior-quarter CRE book above $25bn are also excluded from the growth list — growth at that scale is a national balance-sheet movement, not lending concentrated in any one state, and would otherwise crowd out real local growth on thin-population states. This ceiling applies to the growth list only; the same institutions still appear on the CRE book size rankings above, which rank nationally by design.

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