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FDIC Call Report Analysis

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

44 institutions qualified in Arizona: 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 Arizona

4 of 4 Arizona-headquartered institutions.

#InstitutionCRE bookContact
1Western Alliance Bank
Phoenix · FDIC Cert #57512
$14.32bnContact available
2Southwest Heritage Bank
Scottsdale · FDIC Cert #29087
$407mNo contact yet
3BNC National Bank
Glendale · FDIC Cert #57197
$287mNo contact yet
4Goldwater Bank, N.A.
Phoenix · FDIC Cert #58405
$159mContact 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
1Banterra Bank
Marion · FDIC Cert #17514
+18.4% +$112mNo contact yet
2First International Bank & Trust
Watford City · FDIC Cert #10248
+14.3% +$208mContact available
3Bank of Colorado
Fort Collins · FDIC Cert #16980
+10.6% +$243mContact available
4Southwest Heritage Bank
Scottsdale · FDIC Cert #29087
+9.4% +$35mNo contact yet
5First National Bank Texas
Killeen · FDIC Cert #3285
+9.1% +$80mNo contact yet
6BMO Bank National Association
Chicago · FDIC Cert #16571
+8.9% +$1.69bnContact available
7Bell Bank
Fargo · FDIC Cert #19581
+7.8% +$313mContact available
8Academy Bank, National Association
Kansas City · FDIC Cert #19600
+7.8% +$80mContact available
9First Fidelity Bank
Oklahoma City · FDIC Cert #23473
+7.3% +$64mContact available
10First Savings Bank
Beresford · FDIC Cert #32629
+6.9% +$42mContact 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
2Bank of America, National Association
Charlotte · FDIC Cert #3510
$55.21bnContact available
3U.S. Bank National Association
Cincinnati · FDIC Cert #6548
$41.71bnContact available
4PNC Bank, National Association
Wilmington · FDIC Cert #6384
$36.76bnContact available
5Flagstar Bank, National Association
Hicksville · FDIC Cert #32541
$32.76bnContact available
6First-Citizens Bank & Trust Company
Raleigh · FDIC Cert #11063
$21.97bnContact available
7BMO Bank National Association
Chicago · FDIC Cert #16571
$20.67bnContact available
8Columbia Bank
Roseburg · FDIC Cert #17266
$19.47bnContact available
9Zions Bancorporation, N.A.
Salt Lake City · FDIC Cert #2270
$15.05bnContact available
10Western Alliance Bank
Phoenix · FDIC Cert #57512
$14.32bnContact available
11UMB Bank, National Association
Kansas City · FDIC Cert #8273
$10.71bnContact available
12WaFd Bank
Seattle · FDIC Cert #28088
$9.07bnContact available
13Glacier Bank
Kalispell · FDIC Cert #30788
$8.93bnContact available
14BOKF, National Association
Tulsa · FDIC Cert #4214
$7.54bnContact available
15MidFirst Bank
Oklahoma City · FDIC Cert #4063
$6.58bnContact available
16First Interstate Bank
Billings · FDIC Cert #1105
$5.91bnContact available
17The Northern Trust Company
Chicago · FDIC Cert #913
$5.39bnContact available
18Busey Bank
Champaign · FDIC Cert #16450
$5.05bnContact available
19Bell Bank
Fargo · FDIC Cert #19581
$4.33bnContact available
20Sunflower Bank, National Association
Dallas · FDIC Cert #4767
$4.13bnContact 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: Beal Bank USA (FDIC Cert #57833); 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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