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Banks Heavily Concentrated in Commercial Real Estate
Share of banks whose CRE loans exceed three times capital (the supervisory guideline), by bank size, %
0 of 4 series are above their level a year earlier
Plays the chart through its history. Pauses are where the data set a record or moved most.
FFIEC Call Reports, every insured U.S. bank charter, by total assets in each quarter (nominal dollars). Bank charters, not holding companies. Construction, multifamily and non-owner-occupied nonresidential loans plus loans to finance CRE, over tier 1 capital plus the allowance for credit losses.
Three hundred percent of capital is where supervisors start to look harder at a bank’s CRE lending. Mid-size banks cross it most often; the largest banks almost never do.
What this chart reads
- Share of U.S. Banks Above 300% CRE Concentration (All Banks)as “All banks”latest 2026-06-30
- Share of U.S. Banks Above 300% CRE Concentration (Under $1B Assets)as “Under $1B”latest 2026-06-30
- Share of U.S. Banks Above 300% CRE Concentration ($1B-$10B Assets)as “$1B to $10B”latest 2026-06-30
- Share of U.S. Banks Above 300% CRE Concentration ($10B-$100B Assets)as “$10B to $100B”latest 2026-06-30
Sources
Share of U.S. Banks Above 300% CRE Concentration (All Banks). Source: Federal Financial Institutions Examination Council, Central Data Repository, Call Reports bulk data ("Call Reports -- Single Period", cdr.ffiec.gov), every insured U.S. commercial bank and savings institution that files a Call Report; U.S. government work. Refreshed, which checks weekly for a new quarter (banks file 30 days after quarter end; the full set is usually complete about 45 days after).
Share of U.S. Banks Above 300% CRE Concentration (Under $1B Assets). Source: Federal Financial Institutions Examination Council, Central Data Repository, Call Reports bulk data ("Call Reports -- Single Period", cdr.ffiec.gov), every insured U.S. commercial bank and savings institution that files a Call Report; U.S. government work. Refreshed, which checks weekly for a new quarter (banks file 30 days after quarter end; the full set is usually complete about 45 days after).
Share of U.S. Banks Above 300% CRE Concentration ($1B-$10B Assets). Source: Federal Financial Institutions Examination Council, Central Data Repository, Call Reports bulk data ("Call Reports -- Single Period", cdr.ffiec.gov), every insured U.S. commercial bank and savings institution that files a Call Report; U.S. government work. Refreshed, which checks weekly for a new quarter (banks file 30 days after quarter end; the full set is usually complete about 45 days after).
Share of U.S. Banks Above 300% CRE Concentration ($10B-$100B Assets). Source: Federal Financial Institutions Examination Council, Central Data Repository, Call Reports bulk data ("Call Reports -- Single Period", cdr.ffiec.gov), every insured U.S. commercial bank and savings institution that files a Call Report; U.S. government work. Refreshed, which checks weekly for a new quarter (banks file 30 days after quarter end; the full set is usually complete about 45 days after).
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.