concentration

CRE Concentration to Capital

Commercial real estate and construction loans as a percentage of total risk-based capital.

As of Q1 2026FDICLNRENROTFDICLNREMULTFDICLNRECONSFDICRBCSource retrieved 2026-08-01

National median

157%

Middle half

67%241%

Direction

Context dependent

What it means

Why this metric matters

The interagency CRE guidance uses concentration and growth as supervisory screening signals. The 300% screening criterion is considered together with 50% CRE growth over the prior 36 months; it is not a limit or violation.

How it is calculated

(cre_nonowner + multifamily + construction) / NULLIF(total_risk_based_capital, 0) * 100

Source fields: LNRENROT + LNREMULT + LNRECONS + RBC. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

2,524 observations · Q1 2026

10th percentile

20%

25th percentile

67%

Median

157%

75th percentile

241%

90th percentile

309%

Quartile markers use every reported value. For readability, values outside the first and ninety-ninth percentiles are collected into the two end bars; rankings retain the exact reported values.The dashed reference marks the interagency cre supervisory criterion from FIL-104-2006. It is a supervisory screening criterion, not a limit or violation finding. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Reported extremes