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U.S. Banks With the Highest Exposure to Commercial Real Estate Loans.

U.S. banks with the highest exposure to commercial real estate (CRE) tend to be small and medium-sized institutions. As of the third quarter of 2023, Bank OZK leads the list, with 68.6% of its total loans tied to commercial property. Other banks with substantial exposure include Home BancShares (63.0%), Pacific Premier Bancorp (63.0%), and New York Community Bancorp (57.0%).

While the larger banks like JPMorgan Chase (12.6%) and Wells Fargo (21.2%) hold a significant amount of CRE debt, it's the smaller regional banks that have higher concentrations, which makes them more vulnerable to risks like rising interest rates and declining occupancy levels. Larger banks, however, are bolstering their reserves to mitigate potential losses​.


  • Bank OZK: 68.6% of total loans, $17.4 billion in CRE loans.

  • Home BancShares: 63.0% of total loans, $9.0 billion in CRE loans.

  • Pacific Premier Bancorp: 63.0% of total loans, $8.4 billion in CRE loans.

  • International Bancshares: 59.3% of total loans, $4.7 billion in CRE loans.

  • New York Community Bancorp: 57.0% of total loans, $49.0 billion in CRE loans​.


These banks have higher concentrations of commercial real estate loans, which makes them more susceptible to market fluctuations and economic pressures in the CRE sector. Larger banks like JPMorgan Chase and Wells Fargo, though heavily invested in the sector, have a lower proportion of CRE loans compared to their total assets

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