Which banks are lending on multifamily and commercial real estate in Missouri?
Reviewed by Dominick Prevete, Founder, Blue Sky Capital Advisors
LinkedInBlue Sky Capital Advisors LLC, NJ entity ID 0450507578 (verify on the NJ business search)
195 FDIC-insured banks headquartered in Missouri with under $100 billion in assets held $9.4 billion of multifamily loans and $53.2 billion of commercial real estate loans at June 30, 2026, in Dominick Prevete's analysis of FDIC Call Report data for Blue Sky Capital Advisors, a commercial mortgage advisor. The two largest multifamily books are at Umb Bank, N.A. and Great Southern Bank. 14.8% of the state's bank CRE sits at banks at or above the 300% monitoring level, rank 23 of 43 states.
Data as of June 30, 2026 (Q2 2026 FDIC Call Reports) · Retrieved October 12, 2026MethodologyDownload the Missouri data (CSV)
Missouri bank CRE at a glance
| Measure | Missouri | U.S. | Rank of 43 |
|---|---|---|---|
| FDIC-insured banks | 195 | 4,281 | 5 |
| Multifamily loans | $9.4B | $405.2B | 14 |
| Total CRE loans | $53.2B | $1,600.5B | 10 |
| Multifamily growth, year over year | +9.5% | +3.5% | 16 |
| CRE growth, year over year | +3.8% | +3.4% | 24 |
| Share of CRE at banks at or above 300% | 14.8% | 25.0% | 23 |
| Share of CRE at banks at or above 200% | 54.4% | 71.0% | 34 |
| Banks growing multifamily | 24 of 39 (61.5%) | 670 of 1,066 (62.9%) | 23 |
CRE is construction, multifamily and non-owner-occupied commercial real estate loans. Growth is like for like: Missouri banks that filed at both dates with no merger in the year. "Banks growing multifamily": of the 39 such Missouri banks with a multifamily book of $25 million or more a year earlier, the 24 whose book is larger now; the rank orders that share.
What stands out in Missouri
The 10 largest multifamily books hold 68.0% of Missouri's bank multifamily loans, ranking 15th lowest of the 43 ranked states (median of the 43 states: 85.2%).
Multifamily loans here are spread across many banks, so a smaller community bank can be a real option alongside the largest holders.
Like for like, Missouri's banks' multifamily books grew 9.5% in the year to June 30, 2026, ranking 16th highest of the 43 ranked states (U.S.: +3.5%).
Banks here added multifamily loans faster than banks nationally, so a local bank is more likely to have room for a new apartment loan.
Which Missouri banks are growing multifamily?
| # | Bank | City | Multifamily loans | Multifamily, year over year | CRE concentration (% of capital) | CRE, 36 months |
|---|---|---|---|---|---|---|
| 1 | UMB BANK NATIONAL ASSN | KANSAS CITY | $1.7B | +34.2% | 164.1% | +91.7%† |
| 2 | GREAT SOUTHERN BANK | REEDS SPRING | $1.3B | −14.6% | 437.8% | +1.5% |
| 3 | CENTRAL TRUST BANK | JEFFERSON CITY | $856.5M | +0.7% | 237.9% | +2.1% |
| 4 | SOUTHERN BANK | POPLAR BLUFF | $470.0M | +11.2% | 287.7% | +14.7% |
| 5 | LEGACY BANK&TRUST CO | MOUNTAIN GROVE | $456.3M | −3.0% | 445.8% | +26.4% |
| 6 | GUARANTY BANK | SPRINGFIELD | $398.9M | +48.4% | 385.9% | +23.8% |
| 7 | ENTERPRISE BANK&TRUST | CLAYTON | $383.6M | +12.0% | 206.7% | +20.5% |
| 8 | COMMERCE BANK | KANSAS CITY | $289.6M | −16.9%‡ | 93.4% | +6.2%† |
| 9 | OAKSTAR BANK | SPRINGFIELD | $227.4M | −15.7% | 283.8% | +51.1%† |
| 10 | MIDWEST BANKCENTRE | LEMAY | $215.4M | −4.1% | 287.4% | +41.0% |
| 11 | ACADEMY BANK NATIONAL ASSN | KANSAS CITY | $199.8M | +114.0% | 227.9% | +33.7%† |
| 12 | FIRST BANK | ST. LOUIS | $190.9M | +45.6% | 184.3% | +30.4% |
| 13 | FIRST STATE COMMUNITY BANK | FARMINGTON | $169.0M | +31.7% | 225.1% | +45.2% |
| 14 | OMB BANK | SPRINGFIELD | $146.1M | +32.0% | 298.2% | +43.1% |
| 15 | HAWTHORN BANK | JEFFERSON CITY | $143.8M | −13.9% | 260.1% | −9.7% |
| 16 | SULLIVAN BANK | SULLIVAN | $114.4M | +8.8% | 324.0% | +36.0% |
| 17 | BANK OF MISSOURI | PERRYVILLE | $113.3M | +4.8%‡ | 185.2% | +40.0%† |
| 18 | BANK OF WASHINGTON | WASHINGTON | $85.2M | +73.0% | 244.3% | +3.3% |
| 19 | STERLING BANK | POPLAR BLUFF | $82.5M | −1.9% | 194.8% | −10.1% |
| 20 | AMERICAN BANK OF FREEDOM | WELLSVILLE | $82.2M | +0.9% | 381.1% | +22.9% |
| 21 | MIDWEST REGIONAL BANK | CLAYTON | $62.1M | −32.8% | 336.4% | −8.4% |
| 22 | BLUE RIDGE BANK&TRUST CO | INDEPENDENCE | $61.0M | +67.1% | 315.9% | +125.6% |
| 23 | MONTGOMERY BANK | SIKESTON | $60.2M | +16.6% | 273.9% | +53.7% |
| 24 | ROYAL BANKS OF MISSOURI | SAINT LOUIS | $57.2M | +0.6% | 372.3% | +11.6% |
| 25 | CNB ST LOUIS BANK | MAPLEWOOD | $57.0M | +41.6% | 276.7% | +20.4% |
‡ / † 5 of these 25 Missouri banks absorbed another institution inside the year-over-year / 36-month window (FDIC structure history), so their change reflects a merger, not solely new lending. Names as filed in the FDIC financial data; city is the headquarters. Shading: 300% and over, and 200%–299%.
Banks with $100 billion or more in assets are left out of this table and the state ranks, as on the national page: the largest banks' balance sheets are national. None is headquartered in Missouri.
This list is FDIC Call Report data, not a list of Blue Sky's lender relationships, and it isn't a ranking or endorsement. How Blue Sky gets paid →
Download every Missouri bank (CSV)Every state, and the national picture →
What this means if you're a borrower in Missouri
Because Missouri's multifamily loans are spread across many banks, smaller community banks belong on the list alongside the largest holders in the table above.
Banks that are adding multifamily loans tend to compete for them, so it is worth asking more than one Missouri bank before taking the first terms you see.
Dominick Prevete of Blue Sky Capital Advisors arranges multifamily and commercial financing for Missouri properties with banks and other lenders, and is paid at closing (how Blue Sky gets paid). Call (908) 220-6404 or request a consultation.
Sources
- FFIEC Central Data Repository: public Call Reports as of June 30, 2026 — Every bank figure on this page: each bank's loans, capital, concentration and growth, from its Call Report as of June 30, 2026 (retrieved October 12, 2026).
- FDIC BankFind Suite: bank lookup — The banks named in the table: look up any Missouri bank by name or FDIC certificate number to confirm its headquarters and status.
- Missouri banks, bank by bank (CSV) — The 195 banks headquartered in Missouri, as filed: the rows behind the tables and every state figure here.
- Methodology, sources and limitations — How CRE concentration, like-for-like growth and the ranks among the 43 states are computed.
Missouri bank CRE: common questions
Which banks in Missouri hold the most multifamily loans?+
Among banks headquartered in Missouri with under $100 billion in assets, Umb Bank, N.A. ($1.7 billion), Great Southern Bank ($1.3 billion) and Central Trust Bank ($856.5 million) held the largest multifamily books at June 30, 2026, according to FDIC Call Report data. The table on this page lists the 25 largest, with each bank's change over the year.
Are Missouri banks still growing multifamily?+
Like for like, Missouri's banks grew 9.5% their multifamily books in the year to June 30, 2026, against +3.5% for U.S. banks under $100 billion. 24 of the 39 Missouri banks with a multifamily book of $25 million or more a year earlier grew it. Like for like means banks that filed at both dates with no merger in the year.
How concentrated is Missouri bank CRE?+
14.8% of the CRE held by Missouri's banks under $100 billion sits at banks at or above 300% of capital, the 2006 interagency monitoring level: rank 23 of 43 states, against 25.0% nationally. 54.4% sits at banks at or above 200%. These are monitoring levels, not limits, and a bank above one is not in violation of anything.
Why don't national banks appear in this list?+
Banks with $100 billion or more in assets are left out of this page's tables and ranks, as on the national page: the largest banks' balance sheets are national, so their headquarters state says little about where they lend. None is headquartered in Missouri. Every bank here is listed by headquarters state, not by where its loans are.
How often is this updated?+
Every quarter, after banks file their Call Reports. This Missouri page reflects the 195 Missouri banks' June 30, 2026 (Q2 2026) filings, retrieved October 12, 2026; Q3 2026 data is expected in December 2026.
What this table is not. Concentration ratios are computed from each Missouri bank's own public regulatory filings and describe portfolio composition relative to capital — nothing here is a statement about any institution's safety, soundness, or condition, and exceeding a supervisory monitoring criterion is neither a violation nor a supervisory finding. Blue Sky Capital Advisors is a commercial mortgage advisory firm, not a bank rating agency.