Owner-Occupied CRE · MN
Owner-Occupied CRE lenders in Minnesota
310 lenders with an office in Minnesota hold owner-occupied commercial real estate loans on their books. Frandsen Bank & Trust, based in Minnesota, holds the largest book among those based here, at $373.5M.
- Evidence
- Lender holds owner-occupied commercial real estate loans on its books at the latest filing and has an office in Minnesota
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 310
- FDIC call report,
- Based here
- 242
- FDIC call report,
- Held by those based here
- $9.17B
- FDIC call report,
- +7.0% from a year earlier, 234 of 242 lenders
- Median book, based here
- $15.7M
- FDIC call report,
Cite this
Source: The Lender Report, Owner-Occupied CRE lenders in Minnesota, https://lender.report/owner-occupied-cre-lenders/minnesota/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Frandsen Bank & Trust | Bank | Lonsdale, MN | 34 | $373M | +1.8% |
| Stearns Bank National Association | Bank | Saint Cloud, MN | 4 | $355M | |
| Tradition Capital Bank | Bank | Wayzata, MN | 3 | $337M | +12.9% |
| Merchants Bank, National Association | Bank | Winona, MN | 20 | $278M | +6.1% |
| Minnwest Bank | Bank | Redwood Falls, MN | 30 | $266M | +4.2% |
| Premier Bank | Bank | Maplewood, MN | 8 | $234M | +20.8% |
| Magnifi Financial Credit Union | Credit union | Melrose, MN | 27 | $229M | +17.9% |
| 21st Century Bank | Bank | Loretto, MN | 8 | $223M | +14.5% |
| Deerwood Bank | Bank | Waite Park, MN | 14 | $197M | |
| Bridgewater Bank | Bank | Saint Louis Park, MN | 10 | $188M | |
| Security Bank & Trust Company | Bank | Glencoe, MN | 26 | $168M | +9.2% |
| Northeast Bank | Bank | Minneapolis, MN | 3 | $168M | |
| United Prairie Bank | Bank | Mountain Lake, MN | 10 | $158M | +33.6% |
| BankVista | Bank | Sartell, MN | 3 | $143M | |
| Premier Bank Minnesota | Bank | Hastings, MN | 12 | $141M | +7.7% |
| North American Banking Company | Bank | Roseville, MN | 6 | $135M | |
| Community Bank Mankato | Bank | Vernon Center, MN | 5 | $132M | +4.4% |
| Falcon National Bank | Bank | Foley, MN | 6 | $130M | +13.6% |
| Platinum Bank | Bank | Oakdale, MN | 2 | $129M | |
| MidCountry Bank | Savings | Minneapolis, MN | 16 | $116M | +29.1% |
See all 310 owner-occupied CRE lenders in Minnesota in Loan Comps
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Bank of America, National Association | Bank | Charlotte, NC | 23 | $24.7B |
| Wells Fargo Bank, National Association | Bank | Sioux Falls, SD | 119 | $17.8B |
| JPMorgan Chase Bank, National Association | Bank | Columbus, OH | 47 | $14.4B |
| The Huntington National Bank | Bank | Columbus, OH | 61 | $13.3B |
| U.S. Bank National Association | Bank | Cincinnati, OH | 105 | $9.01B |
| BMO Bank National Association | Bank | Chicago, IL | 35 | $8.14B |
| Old National Bank | Bank | Evansville, IN | 77 | $5.97B |
| UMB Bank, National Association | Bank | Kansas City, MO | 2 | $5.00B |
| Nicolet National Bank | Bank | Green Bay, WI | 14 | $1.68B |
| Associated Bank, National Association | Bank | Green Bay, WI | 24 | $1.58B |
- 242 of these lenders are based in Minnesota, and 68 are based elsewhere with offices here. FDIC call report,
- These lenders: 257 banks, 7 savings institutions and 46 credit unions. FDIC call report,
- Lenders based in Minnesota hold $9.2B of owner-occupied commercial real estate loans, up 7.0% from a year earlier among the 234 of 242 with a comparable earlier filing. FDIC call report,
- The five largest books based here hold 17.6% of that total. FDIC call report,
- Frandsen Bank & Trust holds $373.5M, and Stearns Bank National Association holds $354.9M. FDIC call report,
- The median book among lenders based in Minnesota is $15.7M. FDIC call report,
- 94 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- 25 lenders based here hold $100M or more of it. FDIC call report,
- These lenders list 1,900 offices in Minnesota. FDIC office list,
- Wells Fargo Bank, National Association, based in South Dakota, lists the most offices here among out-of-state lenders, at 119. FDIC office list,
- Among credit unions here, the median average loan in this category is $366K. NCUA 5300,
- Citizens Bank Minnesota grew this book the most in the year, up 153.1% to $15.7M. FDIC call report,
How this list is defined
- Measure
- owner-occupied commercial real estate loans held by lenders with an office in Minnesota
- Period
- June 30, 2026
- Formula
- The balance of owner-occupied commercial real estate loans on the lender's June 30, 2026 filing, for a lender with an office in Minnesota. A balance held, not loans made.
- Order
- Largest first by the book held at the latest filing, then name. Payment is not part of the order.
- As of
- June 30, 2026
- Source
- FDIC call report
- Changelog
- : First published, with the data built on this date.
Owner-occupied commercial real estate is property a business uses itself, such as its own plant, shop or office. It is often tied to the business loan.
Call reports give one balance per institution, not by state, and they carry balances, not loans made. The figure shown is the whole institution's book.
Growth appears only where a book grew over the 12 months. Each lender's own page has its full record.
A lender counts here if it holds owner-occupied commercial real estate loans on its books at the latest filing and has an office in Minnesota. Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.