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FDIC Call Report Analysis

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

141 institutions qualified in Illinois: 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 Illinois

10 of 92 Illinois-headquartered institutions.

#InstitutionCRE bookContact
1BMO Bank National Association
Chicago · FDIC Cert #16571
$20.67bnContact available
2CIBC Bank USA
Chicago · FDIC Cert #33306
$13.99bnContact available
3The Northern Trust Company
Chicago · FDIC Cert #913
$5.39bnContact available
4Busey Bank
Champaign · FDIC Cert #16450
$5.05bnContact available
5First Mid Bank & Trust, National Association
Mattoon · FDIC Cert #3705
$2.84bnContact available
6Wintrust Bank, National Association
Chicago · FDIC Cert #33935
$2.48bnContact available
7Heartland Bank and Trust Company
Bloomington · FDIC Cert #20369
$2.22bnContact available
8Parkway Bank and Trust Company
Harwood Heights · FDIC Cert #19008
$1.91bnContact available
9Midland States Bank
Effingham · FDIC Cert #1040
$1.90bnContact available
10Byline Bank
Chicago · FDIC Cert #20624
$1.76bnContact 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
1State Bank of the Lakes, National Association
Antioch · FDIC Cert #5744
+29.2% +$81mContact available
2Hinsdale Bank & Trust Company, National Association
Hinsdale · FDIC Cert #33849
+28.4% +$235mNo contact yet
3Bank of Springfield
Springfield · FDIC Cert #19506
+25.6% +$110mContact available
4Village Bank and Trust, National Association
Arlington Heights · FDIC Cert #34011
+24.4% +$92mNo contact yet
5Wheaton Bank & Trust, National Association
Wheaton · FDIC Cert #33803
+24.3% +$98mNo contact yet
6CIBC Bank USA
Chicago · FDIC Cert #33306
+22.2% +$2.55bnContact available
7St. Charles Bank & Trust Company, National Association
Saint Charles · FDIC Cert #27052
+20.6% +$84mNo contact yet
8First American Bank
Elk Grove Village · FDIC Cert #3657
+20.5% +$188mNo contact yet
9Old Plank Trail Community Bank, National Association
New Lenox · FDIC Cert #58314
+20.2% +$78mNo contact yet
10St. Louis Bank
Saint Louis · FDIC Cert #58018
+18.8% +$59mContact 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
5Citibank, National Association
Sioux Falls · FDIC Cert #7213
$25.19bnContact available
6The Huntington National Bank
Columbus · FDIC Cert #6560
$24.60bnContact available
7Valley National Bank
Passaic · FDIC Cert #9396
$22.66bnContact available
8Fifth Third Bank, National Association
Cincinnati · FDIC Cert #6672
$21.58bnContact available
9BMO Bank National Association
Chicago · FDIC Cert #16571
$20.67bnContact available
10Old National Bank
Evansville · FDIC Cert #3832
$17.06bnContact available
11Western Alliance Bank
Phoenix · FDIC Cert #57512
$14.32bnContact available
12CIBC Bank USA
Chicago · FDIC Cert #33306
$13.99bnContact available
13Regions Bank
Birmingham · FDIC Cert #12368
$10.87bnContact available
14UMB Bank, National Association
Kansas City · FDIC Cert #8273
$10.71bnContact available
15Associated Bank, National Association
Green Bay · FDIC Cert #5296
$9.02bnContact available
16Cathay Bank
Los Angeles · FDIC Cert #18503
$7.93bnContact available
17Bank of Hope
Los Angeles · FDIC Cert #26610
$5.78bnContact available
18The Northern Trust Company
Chicago · FDIC Cert #913
$5.39bnContact available
19Busey Bank
Champaign · FDIC Cert #16450
$5.05bnContact available
20First National Bank of Omaha
Omaha · FDIC Cert #5452
$4.51bnContact 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).


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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