Datasets:

tensorust
/

fdic-cre-concentration-sample

+---
+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/](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/](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

sample.csv ADDED Viewed

	@@ -0,0 +1,26 @@

+fdic_cert,bank,report_date,total_assets_k,total_loans_net_k,total_rbc_k,capital_basis,construction_k,multifamily_k,nonowner_nonres_k,owner_occ_nonres_k,cre_total_k,cre_to_rbc_pct,construction_to_rbc_pct,cre_growth_36m_pct,cre_to_rbc_pct_jun2025,cre_past_due_30_89_k,cre_noncurrent_k,cre_delinq_rate_pct,cre_delinq_rate_pct_jun2025,cre_delinq_change_pts,cre_noncurrent_change_k,cre_net_chargeoffs_ytd_k,total_rbc_ratio_pct,flag_cre_300,flag_construction_100,flag_300_and_growth_50,flag_rising_past_dues,screen,city,state,charter_class,holding_company,primary_regulator,sba_active_loans,sba_active_gross_approved
+33802,TIOGA-FRANKLIN SAVINGS BANK,2026-06-30,68444,56159,2029.0,total risk-based capital,1343,1918,13415.0,4651.0,16676.0,821.9,66.2,32.7,545.0,141.0,1498.0,9.83,7.92,1.91,637.0,267.0,4.14,True,False,False,True,over threshold and past dues rising,,,,,,,
+18983,RIVER CITY BANK,2026-06-30,6042514,4500915,619844.0,total risk-based capital,41763,1618266,2365444.0,160487.0,4025473.0,649.4,6.7,45.5,671.2,1163.0,0.0,0.03,0.0,0.03,0.0,0.0,14.44,True,False,False,False,over concentration threshold,Sacramento,CA,NM,,FDIC,0.0,0.0
+23966,ONEUNITED BANK,2026-06-30,637943,407793,67087.0,CBLR bank: tier 1 + ALLL,0,398630,162.0,1617.0,398792.0,594.4,0.0,-7.0,570.3,0.0,1508.0,0.38,0.0,0.38,1508.0,0.0,0.0,True,False,False,False,over concentration threshold,Boston,MA,NM,,FDIC,,
+16250,MARQUETTE BANK,2026-06-30,2094911,1399311,189796.0,total risk-based capital,65438,833295,194743.0,21285.0,1093476.0,576.1,34.5,-2.5,594.6,0.0,60.0,0.01,0.17,-0.16,-16.0,-279.0,15.31,True,False,False,False,over concentration threshold,Chicago,IL,SM,MARQUETTE NATIONAL CORP,FED,,
+58712,FREEDOM BANK,2026-06-30,838268,732977,87446.0,total risk-based capital,89382,167159,246090.0,77231.0,502631.0,574.8,102.2,39.8,535.0,870.0,0.0,0.17,0.17,0.0,-725.0,0.0,12.62,True,True,False,False,over concentration threshold,Maywood,NJ,NM,FREEDOM BCORP INC,FDIC,,
+21606,HCN BANK,2026-06-30,998433,776391,127306.0,CBLR bank: tier 1 + ALLL,1445,34101,679129.0,51930.0,714675.0,561.4,1.1,8.3,533.5,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,True,False,False,False,over concentration threshold,Riverside,CA,NM,HEMET BCORP,FDIC,,
+14769,DMB COMMUNITY BANK,2026-06-30,835042,656247,99248.0,total risk-based capital,1481,445684,87497.0,6214.0,534662.0,538.7,1.5,-0.9,514.2,0.0,0.0,0.0,0.0,0.0,0.0,0.0,17.4,True,False,False,False,over concentration threshold,Madison,WI,NM,DMB CORP INC,FDIC,,
+35361,FIVE STAR BANK,2026-06-30,5377033,4472346,584889.0,total risk-based capital,147954,1389672,1599750.0,604735.0,3137376.0,536.4,25.3,44.8,500.5,0.0,0.0,0.0,0.02,-0.02,-561.0,0.0,12.12,True,False,False,False,over concentration threshold,Roseville,CA,NM,FIVE STAR BCORP,FDIC,1086.0,306004800.0
+58590,NANO BANC,2026-06-30,736172,458883,46106.0,total risk-based capital,46912,70828,126075.0,2657.0,243815.0,528.8,101.7,-26.0,322.4,41448.0,85631.0,52.12,18.72,33.4,23169.0,3940.0,9.11,True,True,False,True,over threshold and past dues rising,,,,,,,
+24156,OCEAN BANK,2026-06-30,7625472,6128054,835865.0,total risk-based capital,316799,876900,3216923.0,780447.0,4410622.0,527.7,37.9,26.8,511.3,2026.0,15771.0,0.4,0.42,-0.02,6944.0,-164.0,12.66,True,False,False,False,over concentration threshold,Miami,FL,NM,OCEAN BANKSHARES INC,FDIC,13.0,23846800.0
+25093,HABIB AMERICAN BANK,2026-06-30,2837908,1899316,274542.0,total risk-based capital,0,310841,1133895.0,199368.0,1444736.0,526.2,0.0,52.2,473.6,12965.0,13973.0,1.86,2.85,-0.99,9141.0,-1.0,14.03,True,False,True,False,over concentration threshold,New York,NY,NM,MAHAM BETEILIGUNGSGESELLSCHAFT AG,FDIC,0.0,0.0
+90211,HINGHAM INSTITUTION FOR SAVINGS,2026-06-30,4556545,3903942,536924.0,total risk-based capital,225987,1556513,1035081.0,146905.0,2817581.0,524.8,42.1,9.2,589.8,0.0,30638.0,1.09,1.1,-0.01,0.0,0.0,15.54,True,False,False,False,over concentration threshold,Hingham,MA,SI,,FDIC,,
+28765,KEARNY BANK,2026-06-30,7665322,5835851,716311.0,total risk-based capital,261928,2497419,921925.0,93304.0,3681272.0,513.9,36.6,-4.2,535.0,2404.0,39793.0,1.15,0.96,0.19,3414.0,553.0,14.38,True,False,False,False,over concentration threshold,Kearny,NJ,SI,KEARNY FINANCIAL CORP,FDIC,21.0,15273300.0
+29147,NORTHEAST COMMUNITY BANK,2026-06-30,2111015,1913104,352067.0,total risk-based capital,1401512,326597,36245.0,0.0,1764354.0,501.1,398.1,40.3,529.9,0.0,0.0,0.0,0.0,0.0,0.0,0.0,15.31,True,True,False,False,over concentration threshold,White Plains,NY,SI,NORTHEAST COMMUNITY BCORP INC,FDIC,0.0,0.0
+6662,RIVERHILLS BANK,2026-06-30,340803,283181,40107.0,total risk-based capital,25681,161087,11020.0,29696.0,197788.0,493.2,64.0,58.1,479.7,0.0,346.0,0.17,0.24,-0.07,-75.0,0.0,14.37,True,False,True,False,over concentration threshold,Milford,OH,NM,NEW RICHMOND BCORP,FDIC,63.0,45541300.0
+19573,LAKESIDE BANK,2026-06-30,2850054,2297811,343434.0,total risk-based capital,469942,352285,863361.0,296001.0,1685588.0,490.8,136.8,20.5,467.8,5177.0,777.0,0.35,0.41,-0.06,-24.0,0.0,13.56,True,True,False,False,over concentration threshold,Chicago,IL,NM,LAKESIDE BCORP INC,FDIC,2.0,5520000.0
+16817,CITIZENS BANK,2026-06-30,488811,319004,38028.0,total risk-based capital,62517,16046,105884.0,66381.0,184447.0,485.0,164.4,43.0,217.9,0.0,0.0,0.0,0.48,-0.48,-126.0,0.0,11.37,True,True,False,False,over concentration threshold,Kilgore,TX,NM,EAST TEXAS FINANCIAL CORP,FDIC,0.0,0.0
+10971,PRIME SECURITY BANK,2026-06-30,154468,133362,13663.0,total risk-based capital,5721,17600,42812.0,18723.0,66133.0,484.0,41.9,16.2,451.8,0.0,0.0,0.0,0.89,-0.89,-550.0,229.0,11.57,True,False,False,False,over concentration threshold,Karlstad,MN,NM,NORTH STATE BANCSHARES INC,FDIC,12.0,3812000.0
+35331,"LIBERTY BANK, NATIONAL ASSOCIATION",2026-06-30,399182,325428,58779.0,total risk-based capital,17364,149173,115668.0,23042.0,282205.0,480.1,29.5,-28.9,529.3,0.0,0.0,0.0,0.0,0.0,0.0,0.0,20.63,True,False,False,False,over concentration threshold,Irvine,CA,N,DMG BANCSHARES INC,OCC,,
+58259,FIRST NATIONAL BANK OF MICHIGAN,2026-06-30,988867,814365,103928.0,total risk-based capital,46331,107708,344694.0,148133.0,498733.0,479.9,44.6,31.0,456.2,0.0,1702.0,0.34,0.0,0.34,1702.0,0.0,12.21,True,False,False,False,over concentration threshold,Kalamazoo,MI,N,FIRST NATIONAL BCORP INC,OCC,37.0,28884900.0
+30076,"SPENCER SAVINGS BANK, SLA",2026-06-30,4036255,3263846,480313.0,total risk-based capital,84756,1492203,707531.0,366232.0,2284490.0,475.6,17.6,6.0,479.8,1287.0,11620.0,0.56,1.15,-0.59,-4442.0,104.0,17.86,True,False,False,False,over concentration threshold,Elmwood Park,NJ,SL,,FDIC,,
+32282,MALAGA BANK F.S.B.,2026-06-30,1448853,1238245,245993.0,total risk-based capital,0,1126678,36391.0,0.0,1163069.0,472.8,0.0,-3.1,484.5,0.0,0.0,0.0,0.0,0.0,0.0,0.0,27.91,True,False,False,False,over concentration threshold,Palos Verdes Peninsula,CA,SB,MALAGA FINANCIAL CORP,OCC,,
+57417,COMMERCIAL BANK OF CALIFORNIA,2026-06-30,3979541,2747256,403189.0,total risk-based capital,112668,495106,1287088.0,492143.0,1894862.0,470.0,27.9,81.4,503.5,4952.0,192.0,0.27,0.51,-0.24,-2219.0,103.0,12.85,True,False,True,False,over concentration threshold,Irvine,CA,NM,CBC BCORP,FDIC,199.0,250803300.0
+18564,FIRST NATIONAL BANK OF BROOKFIELD,2026-06-30,419581,389286,61374.0,CBLR bank: tier 1 + ALLL,80157,183708,22815.0,33410.0,286680.0,467.1,130.6,38.0,459.5,0.0,0.0,0.0,0.0,0.0,0.0,14.0,0.0,True,True,False,False,over concentration threshold,Brookfield,IL,N,BROOKFIELD BANCSHARES INC,OCC,,
+35430,OPTIMUMBANK,2026-06-30,1386526,1190536,148523.0,CBLR bank: tier 1 + ALLL,46062,52492,594515.0,290070.0,693069.0,466.6,31.0,134.9,344.2,9403.0,0.0,1.36,0.0,1.36,0.0,0.0,0.0,True,False,True,True,over threshold and past dues rising,Fort Lauderdale,FL,NM,OPTIMUMBANK HOLDINGS INC,FDIC,45.0,52193400.0

summary_by_state.csv ADDED Viewed

	@@ -0,0 +1,56 @@

+State,rows,CRE loans (USD thousands)
+TX,345,105347501
+IL,322,98184611
+IA,225,23241496
+MN,221,18757051
+MO,190,52838422
+KS,183,17304586
+OK,168,42731456
+OH,155,292731536
+WI,153,42388309
+NE,138,21131854
+GA,122,23696779
+KY,120,18911892
+CA,115,143400626
+NY,113,160789621
+PA,109,66245547
+TN,109,67347364
+(blank),108,35730819
+LA,102,18058478
+AL,93,27493819
+MA,89,64984827
+IN,87,51506731
+FL,81,76696175
+AR,78,55792165
+MI,72,12871382
+CO,63,12930633
+ND,60,13258832
+MS,57,29251278
+VA,56,75868022
+SD,56,139849905
+NJ,49,78058823
+UT,44,43323381
+SC,43,13652346
+WV,40,12425872
+NC,38,127090534
+MT,35,20069202
+NM,29,3783184
+WA,27,26204920
+MD,27,13569565
+CT,26,12536081
+WY,24,1775273
+ME,22,14454375
+NH,16,4988384
+DE,15,82697289
+NV,14,4222996
+VT,12,1828839
+OR,12,21723755
+AZ,12,15373958
+ID,10,2420028
+HI,6,11700439
+RI,5,27278614
+AK,5,2793166
+DC,4,1382581
+Other (groups under 3 rows),4,880148
+PR,4,7541668
+TOTAL,4313,2361117138