Explore the banking institutions serving the Houston 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 Houston, by Assets
Institutions headquartered in the Houston metro. Ranked by total (bank-wide) assets — not a measure of Houston-specific size, which FDIC data can't establish (see Sources).
| # | Institution | Total assets |
|---|---|---|
| 1 | Woodforest National Bank | $8.98bn |
| 2 | Third Coast Bank | $6.73bn |
| 3 | Cornerstone Capital Bank, SSB | $3.67bn |
| 4 | American First National Bank | $2.89bn |
| 5 | Wells Fargo Bank South Central, National Association | $2.59bn |
| 6 | Texas First Bank | $2.35bn |
| 7 | Golden Bank, National Association | $2.28bn |
| 8 | The Moody National Bank | $1.54bn |
| 9 | Central Bank | $1.42bn |
| 10 | Southwestern National Bank | $1.39bn |
| 11 | Wallis Bank | $1.38bn |
| 12 | HomeTown Bank, National Association | $0.99bn |
| 13 | First Liberty Bank | $0.87bn |
| 14 | Plains State Bank | $0.83bn |
| 15 | Texas Gulf Bank, National Association | $0.73bn |
Largest CRE Books, Headquartered in Houston
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 | Woodforest National Bank | $2.08bn |
| 2 | Third Coast Bank | $1.88bn |
| 3 | American First National Bank | $1.14bn |
| 4 | Golden Bank, National Association | $1.10bn |
| 5 | The Moody National Bank | $0.69bn |
| 6 | Southwestern National Bank | $0.60bn |
| 7 | Texas First Bank | $0.58bn |
| 8 | Wallis Bank | $0.57bn |
| 9 | Cornerstone Capital Bank, SSB | $0.53bn |
| 10 | HomeTown Bank, National Association | $0.34bn |
| 11 | Central Bank | $0.32bn |
| 12 | Plains State Bank | $0.29bn |
| 13 | Capital Bank | $0.22bn |
| 14 | Texas Gulf Bank, National Association | $0.19bn |
| 15 | Gulf Capital Bank | $0.19bn |
9 money-center/specialty charters excluded from population, same list as the state CRE-size pages.
Largest Banks in Houston, by Deposits
Institutions with at least one Houston branch. Ranked by deposits actually booked at a Houston office — real local presence, unlike the assets table above.
| # | Institution | Houston deposits | Houston branches | Largest office |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $176.34bn | 156 | 77% |
| 2 | Wells Fargo Bank, National Association | $30.88bn | 137 | 32% |
| 3 | Bank of America, National Association | $24.23bn | 102 | 20% |
| 4 | Zions Bancorporation, N.A. | $12.93bn | 57 | 44% |
| 5 | PNC Bank, National Association | $9.77bn | 77 | 33% |
| 6 | Frost Bank | $8.01bn | 63 | 15% |
| 7 | Cadence Banknow The Huntington National Bank | $6.33bn | 20 | 81% |
| 8 | Woodforest National Bank | $5.94bn | 112 | 47% |
| 9 | Stellar Banknow Prosperity Bank | $5.68bn | 35 | 10% |
| 10 | Prosperity Bank | $5.66bn | 58 | 9% |
| 11 | Capital One, National Association | $4.34bn | 13 | 39% |
| 12 | Third Coast Bank | $3.56bn | 7 | 73% |
| 13 | Truist Bank | $3.19bn | 20 | 68% |
| 14 | Comerica Banknow Fifth Third Bank, National Association | $3.18bn | 40 | 13% |
| 15 | East West Bank | $3.13bn | 9 | 24% |
JPMorgan Chase Bank, National Association: $135.5B of its Houston deposits are booked at a single Houston office; its other 155 Houston branches hold $40.9B. Cadence Bank (now The Huntington National Bank): $5.1B of its Houston deposits are booked at a single Houston office; its other 19 Houston branches hold $1.2B. Truist Bank: $2.2B of its Houston deposits are booked at a single Houston office; its other 19 Houston branches hold $1.0B. Stellar Bank became part of Prosperity Bank in July 2026; combined they held $11.34B of Houston 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 Houston Branches
Same population as the deposits table above, ranked by branch count.
| # | Institution | Houston branches | Houston deposits |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | 156 | $176.34bn |
| 2 | Wells Fargo Bank, National Association | 137 | $30.88bn |
| 3 | Woodforest National Bank | 112 | $5.94bn |
| 4 | Bank of America, National Association | 102 | $24.23bn |
| 5 | PNC Bank, National Association | 77 | $9.77bn |
| 6 | Frost Bank | 63 | $8.01bn |
| 7 | Prosperity Bank | 58 | $5.66bn |
| 8 | Zions Bancorporation, N.A. | 57 | $12.93bn |
| 9 | First National Bank Texas | 57 | $0.58bn |
| 10 | Regions Bank | 47 | $2.39bn |
| 11 | Comerica Banknow Fifth Third Bank, National Association | 40 | $3.18bn |
| 12 | Stellar Banknow Prosperity Bank | 35 | $5.68bn |
| 13 | Texas First Bank | 23 | $1.91bn |
| 14 | Cadence Banknow The Huntington National Bank | 20 | $6.33bn |
| 15 | Truist Bank | 20 | $3.19bn |
Stellar Bank became part of Prosperity Bank in July 2026; combined they held 93 Houston 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 Houston, 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 Houston-Pasadena-The Woodlands MSA (FDIC MSA code 26420) — 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 Houston 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 Houston 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 Houston 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.