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FDIC Call Report Analysis

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

69 institutions qualified in Iowa: 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 Iowa

10 of 44 Iowa-headquartered institutions.

#InstitutionCRE bookContact
1Bankers Trust Company
Des Moines · FDIC Cert #953
$3.20bnContact available
2West Bank
West Des Moines · FDIC Cert #15614
$1.80bnContact available
3Hills Bank and Trust Company
Hills · FDIC Cert #14650
$1.17bnContact available
4Cedar Rapids Bank and Trust Company
Cedar Rapids · FDIC Cert #57244
$1.14bnNo contact yet
5Quad City Bank and Trust Company
Bettendorf · FDIC Cert #33867
$870mContact available
6Community State Bank
Ankeny · FDIC Cert #18272
$828mContact available
7Luana Savings Bank
Luana · FDIC Cert #253
$742mContact available
8Northwest Bank
Spencer · FDIC Cert #32647
$687mContact available
9Central Bank
Storm Lake · FDIC Cert #15555
$672mContact available
10Bank Iowa
West Des Moines · FDIC Cert #14521
$662mContact 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
1Availa Bank
Carroll · FDIC Cert #11771
+14.7% +$44mContact available
2Farmers State Bank
Marion · FDIC Cert #14209
+12.8% +$49mNo contact yet
3Cedar Rapids Bank and Trust Company
Cedar Rapids · FDIC Cert #57244
+10.9% +$112mNo contact yet
4Central Bank
Storm Lake · FDIC Cert #15555
+9.6% +$59mContact available
5Regions Bank
Birmingham · FDIC Cert #12368
+9.0% +$902mContact available
6BMO Bank National Association
Chicago · FDIC Cert #16571
+8.9% +$1.69bnContact available
7Community State Bank
Ankeny · FDIC Cert #18272
+8.1% +$62mContact available
8Luana Savings Bank
Luana · FDIC Cert #253
+6.4% +$45mContact available
9Bank Iowa
West Des Moines · FDIC Cert #14521
+6.3% +$39mContact available
10Heartland Bank and Trust Company
Bloomington · FDIC Cert #20369
+6.0% +$100mContact 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
4BMO Bank National Association
Chicago · FDIC Cert #16571
$20.67bnContact available
5Old National Bank
Evansville · FDIC Cert #3832
$17.06bnContact available
6Regions Bank
Birmingham · FDIC Cert #12368
$10.87bnContact available
7UMB Bank, National Association
Kansas City · FDIC Cert #8273
$10.71bnContact available
8First Interstate Bank
Billings · FDIC Cert #1105
$5.91bnContact available
9First National Bank of Omaha
Omaha · FDIC Cert #5452
$4.51bnContact available
10Bankers Trust Company
Des Moines · FDIC Cert #953
$3.20bnContact available
11Great Southern Bank
Reeds Spring · FDIC Cert #29546
$3.04bnContact available
12Heartland Bank and Trust Company
Bloomington · FDIC Cert #20369
$2.22bnContact available
13West Bank
West Des Moines · FDIC Cert #15614
$1.80bnContact available
14Alerus Financial, National Association
Grand Forks · FDIC Cert #3931
$1.37bnContact available
15Hills Bank and Trust Company
Hills · FDIC Cert #14650
$1.17bnContact available
16Cedar Rapids Bank and Trust Company
Cedar Rapids · FDIC Cert #57244
$1.14bnNo contact yet
17Quad City Bank and Trust Company
Bettendorf · FDIC Cert #33867
$870mContact available
18Community State Bank
Ankeny · FDIC Cert #18272
$828mContact available
19Luana Savings Bank
Luana · FDIC Cert #253
$742mContact available
20Northwest Bank
Spencer · FDIC Cert #32647
$687mContact 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: 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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