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FDIC Call Report Analysis

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

80 institutions qualified in New Jersey: 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 New Jersey

10 of 31 New Jersey-headquartered institutions.

#InstitutionCRE bookContact
1Valley National Bank
Passaic · FDIC Cert #9396
$22.66bnContact available
2Provident Bank
Jersey City · FDIC Cert #12010
$11.77bnContact available
3OceanFirst Bank, National Association
Toms River · FDIC Cert #28359
$8.63bnContact available
4ConnectOne Bank
Englewood Cliffs · FDIC Cert #57919
$7.12bnContact available
5Columbia Bank
Fair Lawn · FDIC Cert #28834
$4.09bnContact available
6Kearny Bank
Kearny · FDIC Cert #28765
$3.68bnContact available
7Peapack Private Bank & Trust
Bedminster · FDIC Cert #11035
$3.15bnContact available
8Spencer Savings Bank, SLA
Elmwood Park · FDIC Cert #30076
$2.28bnContact available
9First Bank
Hamilton · FDIC Cert #58481
$1.63bnContact available
10Amboy Bank
Old Bridge · FDIC Cert #6423
$1.57bnContact 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
1Unity Bank
Clinton · FDIC Cert #33503
+24.9% +$191mContact available
2Ponce Bank, National Association
Bronx · FDIC Cert #31189
+22.5% +$430mContact available
3Customers Bank
Malvern · FDIC Cert #34444
+20.2% +$767mContact available
4Habib American Bank
New York · FDIC Cert #25093
+20.1% +$241mContact available
5Somerset Regal Bank
Bound Brook · FDIC Cert #28778
+18.1% +$53mNo contact yet
6Parke Bank
Sewell · FDIC Cert #34888
+15.3% +$121mContact available
7Freedom Bank
Maywood · FDIC Cert #58712
+15.2% +$66mContact available
8Firstrust Savings Bank
Conshohocken · FDIC Cert #26647
+13.5% +$203mNo contact yet
9First Commerce Bank
Lakewood · FDIC Cert #58054
+13.2% +$112mContact available
10Peapack Private Bank & Trust
Bedminster · FDIC Cert #11035
+11.8% +$332mContact 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
3PNC Bank, National Association
Wilmington · FDIC Cert #6384
$36.76bnContact available
4Truist Bank
Charlotte · FDIC Cert #9846
$33.24bnContact available
5Flagstar Bank, National Association
Hicksville · FDIC Cert #32541
$32.76bnContact available
6Citibank, National Association
Sioux Falls · FDIC Cert #7213
$25.19bnContact available
7Manufacturers and Traders Trust Company
Buffalo · FDIC Cert #588
$24.11bnContact available
8TD Bank, National Association
Wilmington · FDIC Cert #18409
$23.57bnContact available
9Citizens Bank, National Association
Providence · FDIC Cert #57957
$22.95bnContact available
10Capital One, National Association
Mclean · FDIC Cert #4297
$22.89bnContact available
11Valley National Bank
Passaic · FDIC Cert #9396
$22.66bnContact available
12Santander Bank, N.A.
Wilmington · FDIC Cert #29950
$16.18bnContact available
13Provident Bank
Jersey City · FDIC Cert #12010
$11.77bnContact available
14OceanFirst Bank, National Association
Toms River · FDIC Cert #28359
$8.63bnContact available
15Cathay Bank
Los Angeles · FDIC Cert #18503
$7.93bnContact available
16ConnectOne Bank
Englewood Cliffs · FDIC Cert #57919
$7.12bnContact available
17Apple Bank
New York · FDIC Cert #16068
$6.82bnContact available
18Fulton Bank, National Association
Lancaster · FDIC Cert #7551
$6.53bnContact available
19Bank of Hope
Los Angeles · FDIC Cert #26610
$5.78bnContact available
20Popular Bank
New York · FDIC Cert #34967
$5.64bnContact 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: Goldman Sachs Bank USA (FDIC Cert #33124); BNY Mellon, National Association (FDIC Cert #7946); JPMorgan Chase Bank, National Association (FDIC Cert #628); The Bank of New York Mellon (FDIC Cert #639).


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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