Ranking · June 30, 2026

Largest Holders of Construction Loans

Name: Largest Holders of Construction Loans
Creator: The Lender Report
License: https://lender.report/license/

JPMorgan Chase Bank, National Association leads this list at $18.8B. The measure is construction and land development loans held on the balance sheet.

Metric: Construction and land development loans held on the balance sheet
Period: June 30, 2026
Data as of: June 30, 2026
Page last changed: November 9, 2026

Lenders on record: 4,548; FDIC call report, Jun 30, 2026
Largest on this list: $18.8B; FDIC call report, Jun 30, 2026
Median lender: $14.1M; FDIC call report, Jun 30, 2026
Share of the five largest: 12.6%; FDIC call report, Jun 30, 2026

Cite this

Source: The Lender Report, Largest Holders of Construction Loans, https://lender.report/rankings/construction-books/, data as of June 30, 2026.

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Lenders by construction and land loans held, June 30, 2026
Lender	Kind	Based in	Holds	Growth, 12 months
1. JPMorgan Chase Bank, National Association	Bank	Columbus, OH	$18.8B	+13.2%
2. Wells Fargo Bank, National Association	Bank	Sioux Falls, SD	$12.5B
3. Bank of America, National Association	Bank	Charlotte, NC	$9.68B
4. U.S. Bank National Association	Bank	Cincinnati, OH	$9.38B
5. Citibank, National Association	Bank	Sioux Falls, SD	$7.99B	+16.1%
6. Fifth Third Bank, National Association	Bank	Cincinnati, OH	$7.97B	+52.0%
7. Truist Bank	Bank	Charlotte, NC	$7.61B
8. First-Citizens Bank & Trust Company	Bank	Raleigh, NC	$7.34B	+15.3%
9. Bank OZK	Bank	Little Rock, AR	$6.94B
10. Pinnacle Bank	Bank	Nashville, TN	$5.89B	+72.6%
11. The Huntington National Bank	Bank	Columbus, OH	$5.32B	+275.4%
12. PNC Bank, National Association	Bank	Wilmington, DE	$5.26B	+27.4%
13. Citizens Bank, National Association	Bank	Providence, RI	$4.75B
14. BMO Bank National Association	Bank	Chicago, IL	$4.49B
15. Santander Bank, N.A.	Bank	Wilmington, DE	$4.38B
16. TD Bank, National Association	Bank	Wilmington, DE	$4.31B
17. Goldman Sachs Bank USA	Bank	New York, NY	$4.18B	+31.0%
18. Western Alliance Bank	Bank	Phoenix, AZ	$4.08B
19. Manufacturers and Traders Trust Company	Bank	Buffalo, NY	$3.35B
20. United Bank	Bank	Fairfax, VA	$3.34B
21. Zions Bancorporation, N.A.	Bank	Salt Lake City, UT	$3.22B
22. Prosperity Bank	Bank	El Campo, TX	$3.14B	+9.4%
23. SouthState Bank, National Association	Bank	Winter Haven, FL	$2.93B
24. UMB Bank, National Association	Bank	Kansas City, MO	$2.93B
25. KeyBank National Association	Bank	Cleveland, OH	$2.90B	+2.3%
26. City National Bank	Bank	Los Angeles, CA	$2.83B
27. Regions Bank	Bank	Birmingham, AL	$2.81B
28. Centennial Bank	Bank	Conway, AR	$2.78B	+3.1%
29. Frost Bank	Bank	San Antonio, TX	$2.74B	+3.7%
30. First National Bank of Pennsylvania	Bank	Greenville, PA	$2.66B
31. Glacier Bank	Bank	Kalispell, MT	$2.66B	+33.0%
32. Simmons Bank	Bank	Pine Bluff, AR	$2.57B
33. Associated Bank, National Association	Bank	Green Bay, WI	$2.55B	+30.6%
34. Valley National Bank	Bank	Passaic, NJ	$2.48B
35. Old National Bank	Bank	Evansville, IN	$2.45B
36. CIBC Bank USA	Bank	Chicago, IL	$2.12B	+37.4%
37. Columbia Bank	Bank	Roseburg, OR	$2.03B
38. Arvest Bank	Bank	Fayetteville, AR	$2.02B	+16.0%
39. Renasant Bank	Bank	Tupelo, MS	$2.01B	+12.1%
40. Merchants Bank of Indiana	Bank	Carmel, IN	$2.00B	+13.2%
41. Capital One, National Association	Bank	Mclean, VA	$1.95B	+5.6%
42. Bank Hapoalim B.M.	Bank	New York, NY	$1.92B	+9.3%
43. First National Bank of Omaha	Bank	Omaha, NE	$1.88B
44. Banc of California	Bank	Los Angeles, CA	$1.87B
45. Atlantic Union Bank	Bank	Richmond City, VA	$1.86B
46. International Bank of Commerce	Bank	Laredo, TX	$1.75B
47. Ameris Bank	Bank	Atlanta, GA	$1.70B	+14.6%
48. Banner Bank	Bank	Walla Walla, WA	$1.70B
49. WesBanco Bank, Inc.	Bank	Wheeling, WV	$1.69B
50. City National Bank of Florida	Bank	Miami, FL	$1.64B	+3.2%

FDIC call report, Jun 30, 2026

4,548 lenders report a positive figure on this measure for June 30, 2026. FDIC call report, Jun 30, 2026
JPMorgan Chase Bank, National Association has the largest figure, at $18.8B. FDIC call report, Jun 30, 2026
The five largest account for 12.6% of the total, and the ten largest for 20.3%. FDIC call report, Jun 30, 2026
The median lender on this measure reports $14.1M. FDIC call report, Jun 30, 2026
Construction and land development loans held on the balance sheet. FDIC call report, Jun 30, 2026

How this list is defined

Measure: Construction and land development loans held on the balance sheet
Period: June 30, 2026
Formula: The balance of construction and land development loans on the lender's June 30, 2026 filing (FDIC call report or NCUA 5300). A balance held, not loans made.
Order: Largest first by the measure, then by the second figure where the list has one, then by name. Payment is not part of the order.
As of: June 30, 2026
Source: FDIC call report
Data: JSON version of this list
Changelog: November 12, 2026: First published, with the data built on this date.

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What we don't know

Whether any lender on this list is taking new loans today.
Loans made by lenders outside the file this list reads, and loans the file does not cover.
Anything about a lender that the file does not carry. A lender can appear in the wrong place if its filing is wrong.

Balances from call reports and credit union 5300 filings. They show what a lender holds, not what it made. Banks report no loan-level data for these books.

Growth appears only where a book grew over the 12 months. Each lender's own page has its full record.

A ranking is a plain sort of one published measure for one period. It is not a rating of any lender, and a lender can appear in the wrong place if a filing is wrong.

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.