--- title: Owner-Occupied CRE Lenders in North Carolina: 121 url: https://lender.report/owner-occupied-cre-lenders/north-carolina/ license: https://lender.report/license/ --- Owner-Occupied CRE ยท NC # Owner-Occupied CRE lenders in North Carolina 121 lenders with an office in North Carolina hold owner-occupied commercial real estate loans on their books. Bank of America, National Association, based in North Carolina, holds the largest book among those based here, at $24.7B. **Evidence** Lender holds owner-occupied commercial real estate loans on its books at the latest filing and has an office in North Carolina **Data as of** June 30, 2026 **Page last changed** November 11, 2026 **Lenders with an office here** 121 FDIC call report, Jun 30, 2026 **Based here** 50 FDIC call report, Jun 30, 2026 **Held by those based here** $68.8B FDIC call report, Jun 30, 2026 +2.6% from a year earlier **Median book, based here** $56.1M FDIC call report, Jun 30, 2026 Cite this Source: The Lender Report, Owner-Occupied CRE lenders in North Carolina, https://lender.report/owner-occupied-cre-lenders/north-carolina/, data as of June 30, 2026. ## Describe a deal in North Carolina See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show owner-occupied CRE loans in North Carolina](https://lender.report/comps/?lane=cre_owner&state=NC)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Offices here | Holds | Growth, 12 months | | --- | --- | --- | --- | --- | --- | | [Bank of America, National Association](https://lender.report/lender/bank-of-america-nc/) | Bank | Charlotte, NC | 109 | $24.7B | +7.0% | | [Truist Bank](https://lender.report/lender/truist-bank-nc/) | Bank | Charlotte, NC | 277 | $17.8B | | | [First-Citizens Bank & Trust Company](https://lender.report/lender/first-citizens-bank-and-trust-nc/) | Bank | Raleigh, NC | 196 | $16.8B | +5.4% | | [Live Oak Banking Company](https://lender.report/lender/live-oak-banking-nc/) | Bank | Wilmington, NC | 1 | $3.04B | +16.4% | | [First Bank](https://lender.report/lender/first-bank-nc/) | Bank | Southern Pines, NC | 102 | $1.36B | +8.2% | | [The Fidelity Bank](https://lender.report/lender/fidelity-bank-nc/) | Bank | Fuquay Varina, NC | 53 | $958M | +5.7% | | [Southern Bank and Trust Company](https://lender.report/lender/southern-bank-and-trust-nc/) | Bank | Mount Olive, NC | 47 | $919M | +16.4% | | [HomeTrust Bank](https://lender.report/lender/hometrust-bank-nc/) | Bank | Asheville, NC | 18 | $528M | | | [North State Bank](https://lender.report/lender/north-state-bank-nc/) | Bank | Raleigh, NC | 7 | $287M | | | [First Carolina Bank](https://lender.report/lender/first-carolina-bank-nc/) | Bank | Rocky Mount, NC | 5 | $271M | | | [Peoples Bank](https://lender.report/lender/peoples-bank-nc/) | Bank | Newton, NC | 16 | $267M | +6.2% | | [Providence Bank](https://lender.report/lender/providence-bank-nc/) | Bank | Rocky Mount, NC | 10 | $237M | +8.0% | | [Bank of Oak Ridge](https://lender.report/lender/bank-of-oak-ridge-nc/) | Bank | Oak Ridge, NC | 5 | $154M | +2.6% | | [KS Bank, Inc.](https://lender.report/lender/ks-bank-nc/) | Savings | Smithfield, NC | 13 | $144M | +11.1% | | [Self-Help Credit Union](https://lender.report/lender/self-help-credit-union-nc-durham-66258/) | Credit union | Durham, NC | 25 | $120M | | | [Truliant Credit Union](https://lender.report/lender/truliant-credit-union-nc/) | Credit union | Winston Salem, NC | 30 | $117M | | | [Uwharrie Bank](https://lender.report/lender/uwharrie-bank-nc/) | Bank | Albemarle, NC | 10 | $114M | | | [Triad Business Bank](https://lender.report/lender/triad-business-bank-nc/) | Bank | Greensboro, NC | 3 | $111M | +12.4% | | [Civic Credit Union](https://lender.report/lender/civic-credit-union-nc/) | Credit union | Raleigh, NC | 13 | $107M | | | [Mechanics & Farmers Bank](https://lender.report/lender/mechanics-and-farmers-bank-nc/) | Bank | Durham, NC | 8 | $97.2M | +0.2% | FDIC call report, Jun 30, 2026 [See all 121 owner-occupied CRE lenders in North Carolina in Loan Comps](https://lender.report/comps/?lane=cre_owner&state=NC) | Lender | Kind | Based in | Offices here | Holds, nationwide | | --- | --- | --- | --- | --- | | [Wells Fargo Bank, National Association](https://lender.report/lender/wells-fargo-bank-sd/) | Bank | Sioux Falls, SD | 216 | $17.8B | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Bank | Columbus, OH | 66 | $14.4B | | [The Huntington National Bank](https://lender.report/lender/huntington-national-bank-oh/) | Bank | Columbus, OH | 7 | $13.3B | | [Fifth Third Bank, National Association](https://lender.report/lender/fifth-third-bank-oh/) | Bank | Cincinnati, OH | 87 | $12.0B | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) | Bank | Wilmington, DE | 103 | $10.4B | | [Pinnacle Bank](https://lender.report/lender/pinnacle-bank-tn/) | Bank | Nashville, TN | 53 | $9.45B | | [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) | Bank | Cincinnati, OH | 7 | $9.01B | | [First Horizon Bank](https://lender.report/lender/first-horizon-bank-tn/) | Bank | Memphis, TN | 81 | $8.79B | | [SouthState Bank, National Association](https://lender.report/lender/southstate-bank-fl/) | Bank | Winter Haven, FL | 21 | $7.85B | | [TD Bank, National Association](https://lender.report/lender/td-bank-de/) | Bank | Wilmington, DE | 16 | $6.84B | FDIC call report, Jun 30, 2026 - 50 of these lenders are based in North Carolina, and 71 are based elsewhere with offices here. FDIC call report, Jun 30, 2026 - These lenders: 76 banks, 12 savings institutions and 33 credit unions. FDIC call report, Jun 30, 2026 - Lenders based in North Carolina hold $68.8B of owner-occupied commercial real estate loans, up 2.6% from a year earlier. FDIC call report, Jun 30, 2026 - The five largest books based here hold 92.6% of that total. FDIC call report, Jun 30, 2026 - Bank of America, National Association holds $24.7B, and Truist Bank holds $17.8B. FDIC call report, Jun 30, 2026 - The median book among lenders based in North Carolina is $56.1M. FDIC call report, Jun 30, 2026 - 14 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report, Jun 30, 2026 - 19 lenders based here hold $100M or more of it. FDIC call report, Jun 30, 2026 - These lenders list 2,290 offices in North Carolina. FDIC office list, Oct 28, 2026 - Wells Fargo Bank, National Association, based in South Dakota, lists the most offices here among out-of-state lenders, at 216. FDIC office list, Oct 28, 2026 - Among credit unions here, the median average loan in this category is $605K. NCUA 5300, Jun 30, 2026 - American Bank of the Carolinas grew this book the most in the year, up 66.0% to $25.5M. FDIC call report, Jun 30, 2026 ## How this list is defined **Measure** owner-occupied commercial real estate loans held by lenders with an office in North Carolina **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 North Carolina. 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](https://api.fdic.gov/banks/financials) **Changelog** November 12, 2026: 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 North Carolina. 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](https://lender.report/report/) 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.