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FDIC Call Report Analysis

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

107 institutions qualified in Missouri: 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 Missouri

10 of 64 Missouri-headquartered institutions.

#InstitutionCRE bookContact
1UMB Bank, National Association
Kansas City · FDIC Cert #8273
$10.71bnContact available
2The Central Trust Bank
Jefferson City · FDIC Cert #12633
$4.16bnContact available
3Commerce Bank
Kansas City · FDIC Cert #24998
$3.94bnContact available
4Enterprise Bank & Trust
Clayton · FDIC Cert #27237
$3.77bnContact available
5Great Southern Bank
Reeds Spring · FDIC Cert #29546
$3.04bnContact available
6Southern Bank
Poplar Bluff · FDIC Cert #28332
$1.70bnNo contact yet
7Stifel Bank and Trust
Saint Louis · FDIC Cert #57311
$1.36bnContact available
8First Bank
St. Louis · FDIC Cert #12229
$1.28bnContact available
9First State Community Bank
Farmington · FDIC Cert #17323
$1.26bnContact available
10Guaranty Bank
Springfield · FDIC Cert #58892
$1.21bnContact 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
1Regent Bank
Tulsa · FDIC Cert #4160
+34.8% +$183mContact available
2Capitol Federal Savings Bank
Topeka · FDIC Cert #27981
+26.7% +$399mNo contact yet
3Bank of Springfield
Springfield · FDIC Cert #19506
+25.6% +$110mContact available
4North American Savings Bank, F.S.B.
Grandview · FDIC Cert #29708
+24.9% +$112mContact available
5CIBC Bank USA
Chicago · FDIC Cert #33306
+22.2% +$2.55bnContact available
6Generations Bank
Rogers · FDIC Cert #88
+20.9% +$60mNo contact yet
7SULLIVAN BANK
Sullivan · FDIC Cert #8892
+18.9% +$68mNo contact yet
8St. Louis Bank
Saint Louis · FDIC Cert #58018
+18.8% +$59mContact available
9Banterra Bank
Marion · FDIC Cert #17514
+18.4% +$112mNo contact yet
10First State Community Bank
Farmington · FDIC Cert #17323
+17.3% +$186mContact 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
5First-Citizens Bank & Trust Company
Raleigh · FDIC Cert #11063
$21.97bnContact available
6BMO Bank National Association
Chicago · FDIC Cert #16571
$20.67bnContact available
7CIBC Bank USA
Chicago · FDIC Cert #33306
$13.99bnContact available
8Regions Bank
Birmingham · FDIC Cert #12368
$10.87bnContact available
9UMB Bank, National Association
Kansas City · FDIC Cert #8273
$10.71bnContact available
10Associated Bank, National Association
Green Bay · FDIC Cert #5296
$9.02bnContact available
11Simmons Bank
Pine Bluff · FDIC Cert #3890
$8.37bnContact available
12EverBank, National Association
Jacksonville · FDIC Cert #34775
$7.67bnContact available
13BOKF, National Association
Tulsa · FDIC Cert #4214
$7.54bnContact available
14Arvest Bank
Fayetteville · FDIC Cert #8728
$6.00bnContact available
15First Interstate Bank
Billings · FDIC Cert #1105
$5.91bnContact available
16The Northern Trust Company
Chicago · FDIC Cert #913
$5.39bnContact available
17Busey Bank
Champaign · FDIC Cert #16450
$5.05bnContact available
18The Central Trust Bank
Jefferson City · FDIC Cert #12633
$4.16bnContact available
19Commerce Bank
Kansas City · FDIC Cert #24998
$3.94bnContact available
20Enterprise Bank & Trust
Clayton · FDIC Cert #27237
$3.77bnContact 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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