BDI

concentration

Real Estate Share of Loans

Loans secured by real estate as a percentage of gross loans.

As of Q1 2026FDICLNREFDICLNLSGRSource retrieved 2026-08-01

National median

82.02%

Middle half

67.84%91.98%

Direction

Context dependent

What it means

Why this metric matters

The ratio shows how dependent the credit book is on property collateral and values. The underlying property types determine the actual risk.

How it is calculated

Formula and source fields

(cre_owner_occ + cre_nonowner + multifamily + construction + farmland + res_1_4_first + heloc) / NULLIF(gross_loans, 0) * 100

Source fields: LNRE + LNLSGR. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,210 observations · Q1 2026

10th percentile

49.97%

25th percentile

67.84%

Median

82.02%

75th percentile

91.98%

90th percentile

98.78%
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

Highest and lowest banks

These lists describe reported values, not quality rankings. Compare business models and peer groups before drawing conclusions.

Lowest reported values

  1. 1
    First Bank of OhioOH
    0.00%
  2. 2
    Farmers & Merchants BankOK
    0.00%
  3. 3
    Bessemer Trust CompanyNJ
    0.00%
  4. 4
    Mizuho Bank (USA)NY
    0.00%
  5. 5
    Bessemer Trust Company, National AssociationNY
    0.00%
  6. 6
    Credit One Bank, National AssociationNV
    0.00%
  7. 7
    The Bank of East Asia Ltd.NY
    0.00%
  8. 8
    The Haverford Trust CompanyPA
    0.00%
  9. 9
    Young Americans BankCO
    0.00%
  10. 10
    Sumitomo Mitsui Trust Bank (U.S.A.) LimitedNJ
    0.00%

Highest reported values

  1. 1
    Wilmington Trust, National AssociationDE
    152.47%
  2. 2
    Grand Bank for Savings, FSBMS
    131.12%
  3. 3
    University BankMI
    130.72%
  4. 4
    Bank of PensacolaFL
    130.61%
  5. 5
    Third Federal Savings and Loan Association of ClevelandOH
    127.75%
  6. 6
    Paradise BankFL
    121.34%
  7. 7
    Cenlar FSBNJ
    119.99%
  8. 8
    The Warrington BankFL
    119.63%
  9. 9
    Roxboro Savings Bank, SSBNC
    116.42%
  10. 10
    Argentine Federal SavingsKS
    115.55%

Continue exploring

Related metrics

CRE Concentration to CapitalConstruction Concentration to CapitalAgricultural Loans to CapitalResidential Loans to CapitalC&I Loans to Capital