Datasets:

tensorust
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fdic-cre-concentration-sample

fdic_cert int64 6.66k 90.2k	bank stringlengths 8 34	report_date stringdate 2026-06-30 00:00:00 2026-06-30 00:00:00	total_assets_k int64 68.4k 7.67M	total_loans_net_k int64 56.2k 6.13M	total_rbc_k float64 2.03k 836k	capital_basis stringclasses 2 values	construction_k int64 0 1.4M	multifamily_k int64 1.92k 2.5M	nonowner_nonres_k float64 162 3.22M	owner_occ_nonres_k float64 0 780k	cre_total_k float64 16.7k 4.41M	cre_to_rbc_pct float64 467 822	construction_to_rbc_pct float64 0 398	cre_growth_36m_pct float64 -28.9 135	cre_to_rbc_pct_jun2025 float64 218 671	cre_past_due_30_89_k float64 0 41.4k	cre_noncurrent_k float64 0 85.6k	cre_delinq_rate_pct float64 0 52.1	cre_delinq_rate_pct_jun2025 float64 0 18.7	cre_delinq_change_pts float64 -0.99 33.4	cre_noncurrent_change_k float64 -4,442 23.2k	cre_net_chargeoffs_ytd_k float64 -279 3.94k	total_rbc_ratio_pct float64 0 27.9	flag_cre_300 bool 1 class	flag_construction_100 bool 2 classes	flag_300_and_growth_50 bool 2 classes	flag_rising_past_dues bool 2 classes	screen stringclasses 2 values	city stringlengths 5 22 ⌀	state stringlengths 2 2 ⌀	charter_class stringclasses 6 values	holding_company stringlengths 9 33 ⌀	primary_regulator stringclasses 3 values	sba_active_loans float64 0 1.09k ⌀	sba_active_gross_approved float64 0 306M ⌀
33,802	TIOGA-FRANKLIN SAVINGS BANK	2026-06-30	68,444	56,159	2,029	total risk-based capital	1,343	1,918	13,415	4,651	16,676	821.9	66.2	32.7	545	141	1,498	9.83	7.92	1.91	637	267	4.14	true	false	false	true	over threshold and past dues rising	null	null	null	null	null	null	null
18,983	RIVER CITY BANK	2026-06-30	6,042,514	4,500,915	619,844	total risk-based capital	41,763	1,618,266	2,365,444	160,487	4,025,473	649.4	6.7	45.5	671.2	1,163	0	0.03	0	0.03	0	0	14.44	true	false	false	false	over concentration threshold	Sacramento	CA	NM	null	FDIC	0	0
23,966	ONEUNITED BANK	2026-06-30	637,943	407,793	67,087	CBLR bank: tier 1 + ALLL	0	398,630	162	1,617	398,792	594.4	0	-7	570.3	0	1,508	0.38	0	0.38	1,508	0	0	true	false	false	false	over concentration threshold	Boston	MA	NM	null	FDIC	null	null
16,250	MARQUETTE BANK	2026-06-30	2,094,911	1,399,311	189,796	total risk-based capital	65,438	833,295	194,743	21,285	1,093,476	576.1	34.5	-2.5	594.6	0	60	0.01	0.17	-0.16	-16	-279	15.31	true	false	false	false	over concentration threshold	Chicago	IL	SM	MARQUETTE NATIONAL CORP	FED	null	null
58,712	FREEDOM BANK	2026-06-30	838,268	732,977	87,446	total risk-based capital	89,382	167,159	246,090	77,231	502,631	574.8	102.2	39.8	535	870	0	0.17	0.17	0	-725	0	12.62	true	true	false	false	over concentration threshold	Maywood	NJ	NM	FREEDOM BCORP INC	FDIC	null	null
21,606	HCN BANK	2026-06-30	998,433	776,391	127,306	CBLR bank: tier 1 + ALLL	1,445	34,101	679,129	51,930	714,675	561.4	1.1	8.3	533.5	0	0	0	0	0	0	0	0	true	false	false	false	over concentration threshold	Riverside	CA	NM	HEMET BCORP	FDIC	null	null
14,769	DMB COMMUNITY BANK	2026-06-30	835,042	656,247	99,248	total risk-based capital	1,481	445,684	87,497	6,214	534,662	538.7	1.5	-0.9	514.2	0	0	0	0	0	0	0	17.4	true	false	false	false	over concentration threshold	Madison	WI	NM	DMB CORP INC	FDIC	null	null
35,361	FIVE STAR BANK	2026-06-30	5,377,033	4,472,346	584,889	total risk-based capital	147,954	1,389,672	1,599,750	604,735	3,137,376	536.4	25.3	44.8	500.5	0	0	0	0.02	-0.02	-561	0	12.12	true	false	false	false	over concentration threshold	Roseville	CA	NM	FIVE STAR BCORP	FDIC	1,086	306,004,800
58,590	NANO BANC	2026-06-30	736,172	458,883	46,106	total risk-based capital	46,912	70,828	126,075	2,657	243,815	528.8	101.7	-26	322.4	41,448	85,631	52.12	18.72	33.4	23,169	3,940	9.11	true	true	false	true	over threshold and past dues rising	null	null	null	null	null	null	null
24,156	OCEAN BANK	2026-06-30	7,625,472	6,128,054	835,865	total risk-based capital	316,799	876,900	3,216,923	780,447	4,410,622	527.7	37.9	26.8	511.3	2,026	15,771	0.4	0.42	-0.02	6,944	-164	12.66	true	false	false	false	over concentration threshold	Miami	FL	NM	OCEAN BANKSHARES INC	FDIC	13	23,846,800
25,093	HABIB AMERICAN BANK	2026-06-30	2,837,908	1,899,316	274,542	total risk-based capital	0	310,841	1,133,895	199,368	1,444,736	526.2	0	52.2	473.6	12,965	13,973	1.86	2.85	-0.99	9,141	-1	14.03	true	false	true	false	over concentration threshold	New York	NY	NM	MAHAM BETEILIGUNGSGESELLSCHAFT AG	FDIC	0	0
90,211	HINGHAM INSTITUTION FOR SAVINGS	2026-06-30	4,556,545	3,903,942	536,924	total risk-based capital	225,987	1,556,513	1,035,081	146,905	2,817,581	524.8	42.1	9.2	589.8	0	30,638	1.09	1.1	-0.01	0	0	15.54	true	false	false	false	over concentration threshold	Hingham	MA	SI	null	FDIC	null	null
28,765	KEARNY BANK	2026-06-30	7,665,322	5,835,851	716,311	total risk-based capital	261,928	2,497,419	921,925	93,304	3,681,272	513.9	36.6	-4.2	535	2,404	39,793	1.15	0.96	0.19	3,414	553	14.38	true	false	false	false	over concentration threshold	Kearny	NJ	SI	KEARNY FINANCIAL CORP	FDIC	21	15,273,300
29,147	NORTHEAST COMMUNITY BANK	2026-06-30	2,111,015	1,913,104	352,067	total risk-based capital	1,401,512	326,597	36,245	0	1,764,354	501.1	398.1	40.3	529.9	0	0	0	0	0	0	0	15.31	true	true	false	false	over concentration threshold	White Plains	NY	SI	NORTHEAST COMMUNITY BCORP INC	FDIC	0	0
6,662	RIVERHILLS BANK	2026-06-30	340,803	283,181	40,107	total risk-based capital	25,681	161,087	11,020	29,696	197,788	493.2	64	58.1	479.7	0	346	0.17	0.24	-0.07	-75	0	14.37	true	false	true	false	over concentration threshold	Milford	OH	NM	NEW RICHMOND BCORP	FDIC	63	45,541,300
19,573	LAKESIDE BANK	2026-06-30	2,850,054	2,297,811	343,434	total risk-based capital	469,942	352,285	863,361	296,001	1,685,588	490.8	136.8	20.5	467.8	5,177	777	0.35	0.41	-0.06	-24	0	13.56	true	true	false	false	over concentration threshold	Chicago	IL	NM	LAKESIDE BCORP INC	FDIC	2	5,520,000
16,817	CITIZENS BANK	2026-06-30	488,811	319,004	38,028	total risk-based capital	62,517	16,046	105,884	66,381	184,447	485	164.4	43	217.9	0	0	0	0.48	-0.48	-126	0	11.37	true	true	false	false	over concentration threshold	Kilgore	TX	NM	EAST TEXAS FINANCIAL CORP	FDIC	0	0
10,971	PRIME SECURITY BANK	2026-06-30	154,468	133,362	13,663	total risk-based capital	5,721	17,600	42,812	18,723	66,133	484	41.9	16.2	451.8	0	0	0	0.89	-0.89	-550	229	11.57	true	false	false	false	over concentration threshold	Karlstad	MN	NM	NORTH STATE BANCSHARES INC	FDIC	12	3,812,000
35,331	LIBERTY BANK, NATIONAL ASSOCIATION	2026-06-30	399,182	325,428	58,779	total risk-based capital	17,364	149,173	115,668	23,042	282,205	480.1	29.5	-28.9	529.3	0	0	0	0	0	0	0	20.63	true	false	false	false	over concentration threshold	Irvine	CA	N	DMG BANCSHARES INC	OCC	null	null
58,259	FIRST NATIONAL BANK OF MICHIGAN	2026-06-30	988,867	814,365	103,928	total risk-based capital	46,331	107,708	344,694	148,133	498,733	479.9	44.6	31	456.2	0	1,702	0.34	0	0.34	1,702	0	12.21	true	false	false	false	over concentration threshold	Kalamazoo	MI	N	FIRST NATIONAL BCORP INC	OCC	37	28,884,900
30,076	SPENCER SAVINGS BANK, SLA	2026-06-30	4,036,255	3,263,846	480,313	total risk-based capital	84,756	1,492,203	707,531	366,232	2,284,490	475.6	17.6	6	479.8	1,287	11,620	0.56	1.15	-0.59	-4,442	104	17.86	true	false	false	false	over concentration threshold	Elmwood Park	NJ	SL	null	FDIC	null	null
32,282	MALAGA BANK F.S.B.	2026-06-30	1,448,853	1,238,245	245,993	total risk-based capital	0	1,126,678	36,391	0	1,163,069	472.8	0	-3.1	484.5	0	0	0	0	0	0	0	27.91	true	false	false	false	over concentration threshold	Palos Verdes Peninsula	CA	SB	MALAGA FINANCIAL CORP	OCC	null	null
57,417	COMMERCIAL BANK OF CALIFORNIA	2026-06-30	3,979,541	2,747,256	403,189	total risk-based capital	112,668	495,106	1,287,088	492,143	1,894,862	470	27.9	81.4	503.5	4,952	192	0.27	0.51	-0.24	-2,219	103	12.85	true	false	true	false	over concentration threshold	Irvine	CA	NM	CBC BCORP	FDIC	199	250,803,300
18,564	FIRST NATIONAL BANK OF BROOKFIELD	2026-06-30	419,581	389,286	61,374	CBLR bank: tier 1 + ALLL	80,157	183,708	22,815	33,410	286,680	467.1	130.6	38	459.5	0	0	0	0	0	0	14	0	true	true	false	false	over concentration threshold	Brookfield	IL	N	BROOKFIELD BANCSHARES INC	OCC	null	null
35,430	OPTIMUMBANK	2026-06-30	1,386,526	1,190,536	148,523	CBLR bank: tier 1 + ALLL	46,062	52,492	594,515	290,070	693,069	466.6	31	134.9	344.2	9,403	0	1.36	0	1.36	0	0	0	true	false	true	true	over threshold and past dues rising	Fort Lauderdale	FL	NM	OPTIMUMBANK HOLDINGS INC	FDIC	45	52,193,400

Bank CRE Concentration List: free sample (Tensorust LLC)

All 4,313 FDIC-insured banks scored on the 300 percent CRE test; 375 are over it, holding $399B of CRE loans.

Headline: Every FDIC-insured bank's commercial real estate loans (construction, multifamily, non-owner-occupied nonresidential) against total risk-based capital at June 30, 2026.

This repository is a free teaser, not the dataset. It holds 25 example rows and a summary table with no names in it. The full file has 4,313 rows and is sold by Tensorust LLC: https://tensorust.com/datasets/fdic-cre-concentration/.

Files here

file	what it is
`sample.csv`	25 rows of the full file (the same sample shown on tensorust.com)
`summary_by_state.csv`	row counts and totals by state across the full file, no entity names (groups with fewer than 3 rows are folded into "Other")

Summary by state (largest groups)

State	rows	CRE loans (USD thousands)
TX	345	105,347,501
IL	322	98,184,611
IA	225	23,241,496
MN	221	18,757,051
MO	190	52,838,422
KS	183	17,304,586
OK	168	42,731,456
OH	155	292,731,536
WI	153	42,388,309
NE	138	21,131,854
GA	122	23,696,779
KY	120	18,911,892
TOTAL	4,313	2,361,117,138

Full table: summary_by_state.csv.

What the full file has

4,313 rows
Key fields: fdic_cert, bank, report_date, total_assets_k, total_loans_net_k, total_rbc_k, capital_basis, construction_k, multifamily_k, nonowner_nonres_k
Parquet and CSV, a README with sources, method and limits, and the build script
Free 25-row sample (no personal contact data)

Coverage: 4,313 FDIC-insured institutions filing June 30, 2026 Call Reports. Call Report data for June 30, 2026 (latest in BankFind on Nov 6, 2026); September 30, 2026 not yet posted.

Columns in the full file

column	meaning
`fdic_cert`	FDIC certificate number
`bank`	Bank name
`report_date`	Call Report date
`total_assets_k`	Total assets ($000)
`total_loans_net_k`	Net loans and leases ($000)
`total_rbc_k`	Capital denominator ($000): total risk-based capital, or tier 1 + ALLL for community bank leverage ratio banks
`capital_basis`	Which capital measure is the denominator
`construction_k`	Construction and land development loans ($000)
`multifamily_k`	Multifamily loans ($000)
`nonowner_nonres_k`	Non-owner-occupied nonfarm nonresidential loans ($000)
`owner_occ_nonres_k`	Owner-occupied nonfarm nonresidential ($000), excluded from CRE per guidance
`cre_total_k`	CRE for the concentration test ($000)
`cre_to_rbc_pct`	CRE / total risk-based capital, percent
`construction_to_rbc_pct`	Construction / total risk-based capital, percent
`cre_growth_36m_pct`	CRE growth since June 30, 2023, percent
`cre_to_rbc_pct_jun2025`	CRE/RBC a year earlier
`cre_past_due_30_89_k`	CRE 30-89 days past due ($000)
`cre_noncurrent_k`	CRE 90+ past due or nonaccrual ($000)
`cre_delinq_rate_pct`	(past due + noncurrent) / CRE, percent
`cre_delinq_rate_pct_jun2025`	Same rate a year earlier
`cre_delinq_change_pts`	Change in that rate, percentage points
`cre_noncurrent_change_k`	Change in noncurrent CRE over the year ($000)
`cre_net_chargeoffs_ytd_k`	CRE net charge-offs year to date ($000)
`total_rbc_ratio_pct`	Total risk-based capital ratio
`flag_cre_300`	CRE/RBC at or above 300 percent
`flag_construction_100`	Construction/RBC at or above 100 percent
`flag_300_and_growth_50`	300 percent and 36-month CRE growth of 50 percent or more (the full guidance screen)
`flag_rising_past_dues`	CRE past-due plus noncurrent rate up more than 0.5 points in a year
`screen`	Summary screen
`city`	City
`state`	State
`charter_class`	FDIC charter class
`holding_company`	Regulatory high holder
`primary_regulator`	Primary federal regulator
`sba_active_loans`	Active SBA 7(a)/504 loans (name and state match)
`sba_active_gross_approved`	Active SBA gross approved ($)

Get the full file

tier	price	includes
Screened list	$350	Every bank over a concentration threshold (375+ rows) with all metrics, CSV and Excel.
All banks with quarterly updates	$1,800 a year	All 4,313 banks, refreshed each quarter as Call Reports post, for 12 months, with quarter-over-quarter changes.
Enterprise license	$6,000 a year	Quarterly refresh, 12-quarter history per bank, internal redistribution for an advisory or investment team.

Email mattbusel@tensorust.com with the tier and a billing contact, and we will send a proper invoice (ACH or card). The file is delivered once the invoice is paid. Details and the live sample: https://tensorust.com/datasets/fdic-cre-concentration/. All datasets: https://tensorust.com/datasets/

Method and limits

CRE follows the 2006 interagency guidance: construction and land development + multifamily + non-owner-occupied nonfarm nonresidential, divided by total risk-based capital; for the 1,814 banks on the community bank leverage ratio, which report no total RBC, tier 1 capital plus the loan loss allowance is used, as examiners do. Owner-occupied CRE and loans to finance CRE not secured by real estate are not in the numerator (the second is not in BankFind). Delinquency combines 30-89 past due and noncurrent across the same three categories. Values in thousands of dollars as reported.

Not a supervisory finding or a rating: crossing 300 percent triggers heightened risk management, not a violation. Not loan-level data. Banks only (credit unions are a separate dataset).

Sources

FDIC BankFind Suite financials API (Call Report data, quarters 2023-06 to 2026-06)
FDIC BankFind institutions API
SBA 7(a) and 504 lender statistics (FY data as of Sep 30, 2026)

License

The sample and summary here are free to view, analyze and cite with attribution to "Tensorust LLC, https://tensorust.com/datasets/fdic-cre-concentration/". The full dataset is licensed separately per tier. No resale or redistribution of Tensorust data without a written license.

Tensorust LLC, Tuckahoe NY. mattbusel@tensorust.com | https://tensorust.com

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