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FDIC Call Report Analysis

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

141 institutions qualified in California: 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 California

10 of 92 California-headquartered institutions.

#InstitutionCRE bookContact
1East West Bank
Pasadena · FDIC Cert #31628
$18.36bnContact available
2City National Bank
Los Angeles · FDIC Cert #17281
$12.14bnContact available
3Banc of California
Los Angeles · FDIC Cert #24045
$10.39bnContact available
4Cathay Bank
Los Angeles · FDIC Cert #18503
$7.93bnContact available
5Mechanics Bank
Walnut Creek · FDIC Cert #1768
$7.04bnContact available
6Citizens Business Bank, National Association
Ontario · FDIC Cert #21716
$6.33bnContact available
7Bank of Hope
Los Angeles · FDIC Cert #26610
$5.78bnContact available
8Axos Bank
San Diego · FDIC Cert #35546
$5.43bnContact available
9Farmers and Merchants Bank of Long Beach
Long Beach · FDIC Cert #1225
$4.43bnContact available
10Tri Counties Bank
Chico · FDIC Cert #21943
$4.03bnContact 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
1Bank of the Orient
San Francisco · FDIC Cert #20387
+38.3% +$145mContact available
2Amalgamated Bank
New York · FDIC Cert #622
+26.4% +$475mContact available
3Beneficial State Bank
Oakland · FDIC Cert #58490
+24.2% +$129mContact available
4CIBC Bank USA
Chicago · FDIC Cert #33306
+22.2% +$2.55bnContact available
5Habib American Bank
New York · FDIC Cert #25093
+20.1% +$241mContact available
6Five Star Bank
Roseville · FDIC Cert #35361
+19.6% +$513mContact available
7American Riviera Bank
Santa Barbara · FDIC Cert #58281
+19.3% +$104mContact available
8Open Bank
Los Angeles · FDIC Cert #57944
+18.8% +$122mContact available
9Exchange Bank
Santa Rosa · FDIC Cert #8468
+18.6% +$156mContact available
10Mission Bank
Bakersfield · FDIC Cert #34805
+16.8% +$92mContact 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
6Citibank, National Association
Sioux Falls · FDIC Cert #7213
$25.19bnContact available
7Citizens Bank, National Association
Providence · FDIC Cert #57957
$22.95bnContact available
8Valley National Bank
Passaic · FDIC Cert #9396
$22.66bnContact available
9First-Citizens Bank & Trust Company
Raleigh · FDIC Cert #11063
$21.97bnContact available
10BMO Bank National Association
Chicago · FDIC Cert #16571
$20.67bnContact available
11Columbia Bank
Roseburg · FDIC Cert #17266
$19.47bnContact available
12East West Bank
Pasadena · FDIC Cert #31628
$18.36bnContact available
13Zions Bancorporation, N.A.
Salt Lake City · FDIC Cert #2270
$15.05bnContact available
14Western Alliance Bank
Phoenix · FDIC Cert #57512
$14.32bnContact available
15CIBC Bank USA
Chicago · FDIC Cert #33306
$13.99bnContact available
16City National Bank
Los Angeles · FDIC Cert #17281
$12.14bnContact available
17UMB Bank, National Association
Kansas City · FDIC Cert #8273
$10.71bnContact available
18Banc of California
Los Angeles · FDIC Cert #24045
$10.39bnContact available
19WaFd Bank
Seattle · FDIC Cert #28088
$9.07bnContact available
20Cathay Bank
Los Angeles · FDIC Cert #18503
$7.93bnContact 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); BNY Mellon, National Association (FDIC Cert #7946); JPMorgan Chase Bank, National Association (FDIC Cert #628); The Bank of New York Mellon (FDIC Cert #639).


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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