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FDIC Call Report Analysis

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

79 institutions qualified in Virginia: 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 Virginia

10 of 35 Virginia-headquartered institutions.

#InstitutionCRE bookContact
1Capital One, National Association
Mclean · FDIC Cert #4297
$22.89bnContact available
2United Bank
Fairfax · FDIC Cert #22858
$12.03bnContact available
3Atlantic Union Bank
Richmond City · FDIC Cert #34589
$11.59bnContact available
4TowneBank
Portsmouth · FDIC Cert #35095
$6.47bnContact available
5Burke & Herbert Bank & Trust Company
Alexandria · FDIC Cert #11578
$4.35bnContact available
6Carter Bank & Trust
Martinsville · FDIC Cert #58596
$2.46bnContact available
7HSBC Bank USA, National Association
Tysons · FDIC Cert #57890
$1.44bnNo contact yet
8MainStreet Bank
Fairfax · FDIC Cert #57742
$1.15bnContact available
9The First Bank and Trust Company
Lebanon · FDIC Cert #22918
$1.12bnContact available
10John Marshall Bank
Reston · FDIC Cert #58243
$1.09bnContact 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
1Chesapeake Bank
Kilmarnock · FDIC Cert #6862
+26.9% +$100mContact available
2Trustar Bank
Great Falls · FDIC Cert #59183
+26.6% +$105mContact available
3MVB Bank, Inc
Fairmont · FDIC Cert #34603
+15.6% +$147mContact available
4Capital Bank, National Association
Rockville · FDIC Cert #35278
+14.0% +$137mContact available
5Benchmark Community Bank
Kenbridge · FDIC Cert #20484
+10.2% +$43mContact available
6ServisFirst Bank
Birmingham · FDIC Cert #57993
+10.1% +$614mContact available
7Bank Of Clarke
Berryville · FDIC Cert #6123
+10.1% +$44mContact available
8Dollar Bank, Federal Savings Bank
Pittsburgh · FDIC Cert #32245
+10.0% +$225mContact available
9First Bank
Strasburg · FDIC Cert #6917
+8.9% +$47mContact available
10Virginia National Bank
Charlottesville · FDIC Cert #34755
+7.3% +$35mContact 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
5Pinnacle Bank
Nashville · FDIC Cert #35583
$27.34bnContact 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
11First-Citizens Bank & Trust Company
Raleigh · FDIC Cert #11063
$21.97bnContact available
12SouthState Bank, National Association
Winter Haven · FDIC Cert #33555
$20.42bnContact available
13First Horizon Bank
Memphis · FDIC Cert #4977
$13.73bnContact available
14City National Bank
Los Angeles · FDIC Cert #17281
$12.14bnContact available
15United Bank
Fairfax · FDIC Cert #22858
$12.03bnContact available
16Atlantic Union Bank
Richmond City · FDIC Cert #34589
$11.59bnContact available
17First National Bank of Pennsylvania
Greenville · FDIC Cert #7888
$8.71bnContact available
18ServisFirst Bank
Birmingham · FDIC Cert #57993
$6.69bnContact available
19Fulton Bank, National Association
Lancaster · FDIC Cert #7551
$6.53bnContact available
20TowneBank
Portsmouth · FDIC Cert #35095
$6.47bnContact 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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