loan mix

Owner-Occupied CRE Share

Owner-occupied commercial real estate loans as a percentage of gross loans.

As of Q1 2026FDICLNRENROWFDICLNLSGRSource retrieved 2026-08-01

National median

10.08%

Middle half

4.78%15.63%

Direction

Context dependent

What it means

Why this metric matters

The share shows how much of the credit book depends on businesses that also pledge their premises. Concentration should be judged with local economic and borrower diversity.

How it is calculated

cre_owner_occ / NULLIF(gross_loans, 0) * 100

Source fields: LNRENROW + LNLSGR. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,200 observations · Q1 2026

10th percentile

0.76%

25th percentile

4.78%

Median

10.08%

75th percentile

15.63%

90th percentile

22.12%

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.

Reported extremes