---
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