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fdic-cre-concentration-sample

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Free teaser: 25-row sample + aggregate summary
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metadata 
license: other
license_name: tensorust-sample-license
license_link: https://tensorust.com/datasets/fdic-cre-concentration/
pretty_name: Bank CRE Concentration List (free sample)
language:
  - en
tags:
  - tensorust
  - sample
  - private-credit-and-finance
  - government-data
  - finance
size_categories:
  - n<1K
configs:
  - config_name: sample
    data_files:
      - split: train
        path: sample.csv
  - config_name: summary
    data_files:
      - split: train
        path: summary_by_state.csv

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