LenderCompass
Navigating you to the right capital
FDIC Call Report Analysis

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

224 institutions qualified in Texas: 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 Texas

10 of 145 Texas-headquartered institutions.

#InstitutionCRE bookContact
1Prosperity Bank
El Campo · FDIC Cert #16835
$7.77bnContact available
2Frost Bank
San Antonio · FDIC Cert #5510
$6.36bnNo contact yet
3International Bank of Commerce
Laredo · FDIC Cert #19629
$4.40bnContact available
4Sunflower Bank, National Association
Dallas · FDIC Cert #4767
$4.13bnContact available
5Texas Capital Bank
Dallas · FDIC Cert #34383
$4.02bnContact available
6PlainsCapital Bank
University Park · FDIC Cert #17491
$3.24bnContact available
7Southside Bank
Tyler · FDIC Cert #18297
$2.97bnContact available
8Woodforest National Bank
The Woodlands · FDIC Cert #23220
$2.08bnContact available
9State Bank of Texas
Irving · FDIC Cert #27074
$2.07bnNo contact yet
10First Financial Bank
Abilene · FDIC Cert #3066
$2.02bnContact 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
1UBank
Huntington · FDIC Cert #18344
+51.7% +$154mContact available
2Bank of the Orient
San Francisco · FDIC Cert #20387
+38.3% +$145mContact available
3American Bank of Commerce
Wolfforth · FDIC Cert #18609
+36.1% +$176mContact available
4Texas Security Bank
Dallas · FDIC Cert #58739
+27.4% +$84mContact available
5Texas First Bank
Texas City · FDIC Cert #23799
+24.3% +$114mContact available
6Ciera Bank
Graham · FDIC Cert #3226
+21.3% +$75mContact available
7Commercial Bank of Texas, National Association
Nacogdoches · FDIC Cert #1209
+21.1% +$60mContact available
8Open Bank
Los Angeles · FDIC Cert #57944
+18.8% +$122mContact available
9BOM Bank
Natchitoches · FDIC Cert #1373
+16.9% +$53mNo contact yet
10Texas Regional Bank
Harlingen · FDIC Cert #26906
+16.8% +$122mNo contact yet

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
$41.71bnNo contact yet
4PNC Bank, National Association
Wilmington · FDIC Cert #6384
$36.76bnContact available
5Truist Bank
Charlotte · FDIC Cert #9846
$33.24bnContact available
6Citibank, National Association
Sioux Falls · FDIC Cert #7213
$25.19bnContact available
7Capital One, National Association
Mclean · FDIC Cert #4297
$22.89bnNo contact yet
8First-Citizens Bank & Trust Company
Raleigh · FDIC Cert #11063
$21.97bnContact available
9Fifth Third Bank, National Association
Cincinnati · FDIC Cert #6672
$21.58bnContact available
10BMO Bank National Association
Chicago · FDIC Cert #16571
$20.67bnContact available
11SouthState Bank, National Association
Winter Haven · FDIC Cert #33555
$20.42bnContact available
12East West Bank
Pasadena · FDIC Cert #31628
$18.36bnContact available
13Bank OZK
Little Rock · FDIC Cert #110
$17.29bnContact available
14Zions Bancorporation, N.A.
Salt Lake City · FDIC Cert #2270
$15.05bnContact available
15First Horizon Bank
Memphis · FDIC Cert #4977
$13.73bnContact available
16Regions Bank
Birmingham · FDIC Cert #12368
$10.87bnContact available
17UMB Bank, National Association
Kansas City · FDIC Cert #8273
$10.71bnContact available
18WaFd Bank
Seattle · FDIC Cert #28088
$9.07bnContact available
19Simmons Bank
Pine Bluff · FDIC Cert #3890
$8.37bnContact available
20Centennial Bank
Conway · FDIC Cert #11241
$8.10bnContact 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: 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.

Financing a Texas property?

Tell us about the deal and we will return a ranked, curated list of lenders that fit it — banks, credit unions, debt funds, agency, CMBS and life companies — with direct contacts.

Find lenders for my deal →