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FDIC Call Report Analysis

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

124 institutions qualified in New York: 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 York

10 of 66 New York-headquartered institutions.

#InstitutionCRE bookContact
1Flagstar Bank, National Association
Hicksville · FDIC Cert #32541
$32.76bnContact available
2Manufacturers and Traders Trust Company
Buffalo · FDIC Cert #588
$24.11bnContact available
3Morgan Stanley Private Bank, National Association
Purchase · FDIC Cert #34221
$6.84bnNo contact yet
4Apple Bank
New York · FDIC Cert #16068
$6.82bnContact available
5Dime Commercial Bank
Hauppauge · FDIC Cert #6976
$5.97bnContact available
6Popular Bank
New York · FDIC Cert #34967
$5.64bnContact available
7Israel Discount Bank of New York
New York · FDIC Cert #19977
$4.13bnContact available
8Deutsche Bank Trust Company Americas
New York · FDIC Cert #623
$3.96bnNo contact yet
9NBT Bank, National Association
Norwich · FDIC Cert #7230
$3.70bnContact available
10Metropolitan Commercial Bank
New York · FDIC Cert #34699
$3.22bnContact 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
1Amalgamated Bank
New York · FDIC Cert #622
+26.4% +$475mContact available
2Patriot Bank, National Association
Stamford · FDIC Cert #33928
+24.0% +$73mContact available
3International Finance Bank
Miami · FDIC Cert #24823
+22.7% +$124mContact available
4Ponce Bank, National Association
Bronx · FDIC Cert #31189
+22.5% +$430mContact available
5Community Federal Savings Bank
Woodhaven · FDIC Cert #57129
+21.8% +$62mContact available
6Customers Bank
Malvern · FDIC Cert #34444
+20.2% +$767mContact available
7Habib American Bank
New York · FDIC Cert #25093
+20.1% +$241mContact available
8Chemung Canal Trust Company
Elmira · FDIC Cert #597
+17.8% +$195mContact available
9Interaudi Bank
New York · FDIC Cert #24516
+15.9% +$93mNo contact yet
10Pioneer Bank, National Association
Albany · FDIC Cert #20741
+14.6% +$74mContact 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
4Flagstar Bank, National Association
Hicksville · FDIC Cert #32541
$32.76bnContact available
5Citibank, National Association
Sioux Falls · FDIC Cert #7213
$25.19bnContact available
6Manufacturers and Traders Trust Company
Buffalo · FDIC Cert #588
$24.11bnContact available
7TD Bank, National Association
Wilmington · FDIC Cert #18409
$23.57bnContact available
8Citizens Bank, National Association
Providence · FDIC Cert #57957
$22.95bnContact available
9Capital One, National Association
Mclean · FDIC Cert #4297
$22.89bnContact available
10Valley National Bank
Passaic · FDIC Cert #9396
$22.66bnContact available
11East West Bank
Pasadena · FDIC Cert #31628
$18.36bnContact available
12Santander Bank, N.A.
Wilmington · FDIC Cert #29950
$16.18bnContact available
13Western Alliance Bank
Phoenix · FDIC Cert #57512
$14.32bnContact available
14KeyBank National Association
Cleveland · FDIC Cert #17534
$14.14bnContact available
15First Horizon Bank
Memphis · FDIC Cert #4977
$13.73bnContact available
16City National Bank
Los Angeles · FDIC Cert #17281
$12.14bnContact available
17Provident Bank
Jersey City · FDIC Cert #12010
$11.77bnContact available
18OceanFirst Bank, National Association
Toms River · FDIC Cert #28359
$8.63bnContact available
19Centennial Bank
Conway · FDIC Cert #11241
$8.10bnContact available
20Cathay Bank
Los Angeles · FDIC Cert #18503
$7.93bnContact 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); Bank Hapoalim B.M. (FDIC Cert #33686); 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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