Explore the banking institutions serving the Detroit commercial real estate market. The rankings below use FDIC data to compare institutions by assets, deposits, branch presence, and CRE lending — not by CRE lending activity itself, which FDIC data can only establish for banks actually headquartered here.
Largest Banking Institutions in Detroit, by Assets
Institutions headquartered in the Detroit metro. Ranked by total (bank-wide) assets — not a measure of Detroit-specific size, which FDIC data can't establish (see Sources).
| # | Institution | Total assets |
|---|---|---|
| 1 | First State Bank | $1.35bn |
| 2 | Oxford Bank | $0.93bn |
| 3 | First Independence Bank | $0.88bn |
| 4 | Citizens State Bank | $0.58bn |
| 5 | Dearborn Federal Savings Bank | $0.31bn |
| 6 | Huron Valley State Bank | $0.29bn |
| 7 | Mi Bank | $0.25bn |
| 8 | Community Unity Bank | $0.11bn |
| 9 | JPMorgan Chase Bank, Dearborn | $0.07bn |
Largest CRE Books, Headquartered in Detroit
Same population as the assets table above — not branch presence, which would seat a national bank's entire balance sheet here on the strength of a single branch. Ranked by current-quarter investor CRE loans (construction, multifamily, non-owner-occupied commercial), $100 million floor.
| # | Institution | CRE book |
|---|---|---|
| 1 | First State Bank | $0.28bn |
| 2 | Oxford Bank | $0.16bn |
| 3 | Citizens State Bank | $0.14bn |
9 money-center/specialty charters excluded from population, same list as the state CRE-size pages.
Largest Banks in Detroit, by Deposits
Institutions with at least one Detroit branch. Ranked by deposits actually booked at a Detroit office — real local presence, unlike the assets table above.
| # | Institution | Detroit deposits | Detroit branches | Largest office |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $52.26bn | 104 | 54% |
| 2 | Comerica Banknow Fifth Third Bank, National Association | $32.83bn | 110 | 51% |
| 3 | Bank of America, National Association | $29.08bn | 61 | 54% |
| 4 | Flagstar Bank, National Association | $18.35bn | 56 | 74% |
| 5 | The Huntington National Bank | $17.38bn | 108 | 14% |
| 6 | PNC Bank, National Association | $14.13bn | 59 | 48% |
| 7 | Fifth Third Bank, National Association | $7.01bn | 62 | 9% |
| 8 | Citizens Bank, National Association | $6.45bn | 63 | 5% |
| 9 | CIBC Bank USA | $1.38bn | 1 | 100% |
| 10 | First State Bank | $1.17bn | 11 | 47% |
| 11 | First Merchants Bank | $1.16bn | 17 | 9% |
| 12 | Bank of Ann Arbor | $1.14bn | 11 | 30% |
| 13 | ChoiceOne Bank | $1.05bn | 15 | 33% |
| 14 | Independent Bank | $0.91bn | 9 | 37% |
| 15 | Oxford Bank | $0.71bn | 7 | 67% |
JPMorgan Chase Bank, National Association: $28.2B of its Detroit deposits are booked at a single Detroit office; its other 103 Detroit branches hold $24.0B. Comerica Bank (now Fifth Third Bank, National Association): $16.6B of its Detroit deposits are booked at a single Detroit office; its other 109 Detroit branches hold $16.2B. Bank of America, National Association: $15.7B of its Detroit deposits are booked at a single Troy office; its other 60 Detroit branches hold $13.4B. Flagstar Bank, National Association: $13.6B of its Detroit deposits are booked at a single Troy office; its other 55 Detroit branches hold $4.8B. Comerica Bank became part of Fifth Third Bank, National Association in February 2026; combined they held $39.84B of Detroit deposits at June 2025. Deposits are as FDIC reports them, by the office where they are booked - not necessarily where the underlying relationship or customer is.
Banks With the Most Detroit Branches
Same population as the deposits table above, ranked by branch count.
| # | Institution | Detroit branches | Detroit deposits |
|---|---|---|---|
| 1 | Comerica Banknow Fifth Third Bank, National Association | 110 | $32.83bn |
| 2 | The Huntington National Bank | 108 | $17.38bn |
| 3 | JPMorgan Chase Bank, National Association | 104 | $52.26bn |
| 4 | Citizens Bank, National Association | 63 | $6.45bn |
| 5 | Fifth Third Bank, National Association | 62 | $7.01bn |
| 6 | Bank of America, National Association | 61 | $29.08bn |
| 7 | PNC Bank, National Association | 59 | $14.13bn |
| 8 | Flagstar Bank, National Association | 56 | $18.35bn |
| 9 | First Merchants Bank | 17 | $1.16bn |
| 10 | ChoiceOne Bank | 15 | $1.05bn |
| 11 | First State Bank | 11 | $1.17bn |
| 12 | Bank of Ann Arbor | 11 | $1.14bn |
| 13 | Independent Bank | 9 | $0.91bn |
| 14 | Oxford Bank | 7 | $0.71bn |
| 15 | Tri-County Bank | 6 | $0.24bn |
Comerica Bank became part of Fifth Third Bank, National Association in February 2026; combined they held 172 Detroit branches at June 2025.
What does this mean for CRE borrowers?
Bank size, deposits, and local branch presence are useful indicators of an institution's scale and footprint in Detroit, but they don't tell you a bank's CRE lending appetite, property-type focus, or how it prices a deal like yours. A bank near the top of these lists may not lend on your property type at all; a bank you've never heard of may be exactly the right fit. Use Lender Compass to identify lenders based on property type, loan type, geography, and other deal characteristics — not bank size alone.
Sources & methodology
Geography: the Detroit-Warren-Dearborn MSA (FDIC MSA code 19820) — not statewide, not a hand-assembled county list. Every branch and institution figure above is scoped to this MSA using FDIC's own MSA classification.
Assets and CRE book tables use institutions whose main office is registered in the Detroit MSA, not merely a branch — a bank's total assets or CRE book has no geographic allocation to a single branch, so a branch-presence population would seat a national bank's entire balance sheet here on the strength of one office. Active institutions only, checked against FDIC's current status, not a fixed list — a bank that merges away next quarter drops out automatically.
Deposits and branch-count tables use any institution with a Detroit branch, since FDIC's Summary of Deposits survey specifically allocates deposits to the office where they're booked — the one figure that genuinely reflects local presence. Recently-merged institutions are shown under their prior charter with the successor named, since the historical Detroit presence is real regardless of what happened to the charter since; when the successor also lands in the same table, a note states the combined figure.
CRE book means investor commercial real estate loans — construction & land development, multifamily (5+ unit residential), and non-owner-occupied commercial property — per FDIC Call Report Schedule RC-C. It excludes owner-occupied CRE, which is reported separately and generally reflects a business's own real estate rather than third-party lending.