Owner-Occupied CRE · TX
Owner-Occupied CRE lenders in Texas
538 lenders with an office in Texas hold owner-occupied commercial real estate loans on their books. Frost Bank, based in Texas, holds the largest book among those based here, at $4.4B.
- Evidence
- Lender holds owner-occupied commercial real estate loans on its books at the latest filing and has an office in Texas
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 538
- FDIC call report,
- Based here
- 403
- FDIC call report,
- Held by those based here
- $40.8B
- FDIC call report,
- +7.6% from a year earlier, 393 of 403 lenders
- Median book, based here
- $25.9M
- FDIC call report,
Cite this
Source: The Lender Report, Owner-Occupied CRE lenders in Texas, https://lender.report/owner-occupied-cre-lenders/texas/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Frost Bank | Bank | San Antonio, TX | 223 | $4.37B | +12.5% |
| Prosperity Bank | Bank | El Campo, TX | 388 | $2.59B | |
| PlainsCapital Bank | Bank | University Park, TX | 57 | $1.45B | +5.8% |
| First Financial Bank | Bank | Abilene, TX | 83 | $1.14B | +1.7% |
| American First National Bank | Bank | Houston, TX | 13 | $1.00B | +1.3% |
| Texas Capital Bank | Bank | Dallas, TX | 10 | $987M | +26.1% |
| Sunflower Bank, National Association | Bank | Dallas, TX | 23 | $951M | |
| Amarillo National Bank | Bank | Amarillo, TX | 35 | $850M | +18.4% |
| The American National Bank of Texas | Bank | Terrell, TX | 28 | $690M | +5.6% |
| Golden Bank, National Association | Bank | Houston, TX | 5 | $601M | +5.5% |
| Third Coast Bank | Bank | Humble, TX | 22 | $584M | |
| Citizens National Bank of Texas | Bank | Waxahachie, TX | 11 | $567M | +4.4% |
| Woodforest National Bank | Bank | The Woodlands, TX | 213 | $567M | |
| Vantage Bank Texas | Bank | San Antonio, TX | 23 | $560M | +25.1% |
| City Bank | Bank | Lubbock, TX | 35 | $530M | |
| Texas Bank and Trust Company | Bank | Longview, TX | 22 | $476M | +3.8% |
| VeraBank, National Association | Bank | Henderson, TX | 43 | $461M | +2.2% |
| Austin Bank, Texas National Association | Bank | Jacksonville, TX | 39 | $460M | |
| Security Service Credit Union | Credit union | San Antonio, TX | 43 | $453M | |
| Broadway National Bank | Bank | San Antonio, TX | 31 | $444M | +8.2% |
See all 538 owner-occupied CRE lenders in Texas in Loan Comps
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Bank of America, National Association | Bank | Charlotte, NC | 313 | $24.7B |
| Wells Fargo Bank, National Association | Bank | Sioux Falls, SD | 456 | $17.8B |
| Truist Bank | Bank | Charlotte, NC | 96 | $17.8B |
| First-Citizens Bank & Trust Company | Bank | Raleigh, NC | 9 | $16.8B |
| JPMorgan Chase Bank, National Association | Bank | Columbus, OH | 489 | $14.4B |
| The Huntington National Bank | Bank | Columbus, OH | 152 | $13.3B |
| Fifth Third Bank, National Association | Bank | Cincinnati, OH | 113 | $12.0B |
| PNC Bank, National Association | Bank | Wilmington, DE | 326 | $10.4B |
| Pinnacle Bank | Bank | Nashville, TN | 2 | $9.45B |
| U.S. Bank National Association | Bank | Cincinnati, OH | 3 | $9.01B |
- 403 of these lenders are based in Texas, and 135 are based elsewhere with offices here. FDIC call report,
- These lenders: 409 banks, 24 savings institutions and 105 credit unions. FDIC call report,
- Lenders based in Texas hold $40.8B of owner-occupied commercial real estate loans, up 7.6% from a year earlier among the 393 of 403 with a comparable earlier filing. FDIC call report,
- The five largest books based here hold 25.9% of that total. FDIC call report,
- Frost Bank holds $4.4B, and Prosperity Bank holds $2.6B. FDIC call report,
- The median book among lenders based in Texas is $25.9M. FDIC call report,
- 146 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- 87 lenders based here hold $100M or more of it. FDIC call report,
- These lenders list 7,303 offices in Texas. FDIC office list,
- JPMorgan Chase Bank, National Association, based in Ohio, lists the most offices here among out-of-state lenders, at 489. FDIC office list,
- Among credit unions here, the median average loan in this category is $518K. NCUA 5300,
- Alliance Credit Union grew this book the most in the year, up 306.5% to $46.4M. FDIC call report,
How this list is defined
- Measure
- owner-occupied commercial real estate loans held by lenders with an office in Texas
- 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 Texas. 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 Texas. 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.