Which banks are lending on multifamily and commercial real estate in Ohio?
Reviewed by Dominick Prevete, Founder, Blue Sky Capital Advisors
LinkedInBlue Sky Capital Advisors LLC, NJ entity ID 0450507578 (verify on the NJ business search)
155 FDIC-insured banks headquartered in Ohio with under $100 billion in assets held $6.0 billion of multifamily loans and $25.3 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 National Coop Bank, N.A. and First Financial Bank. 9.0% of the state's bank CRE sits at banks at or above the 300% monitoring level, rank 30 of 43 states.
Data as of June 30, 2026 (Q2 2026 FDIC Call Reports) · Retrieved October 12, 2026MethodologyDownload the Ohio data (CSV)
Ohio bank CRE at a glance
| Measure | Ohio | U.S. | Rank of 43 |
|---|---|---|---|
| FDIC-insured banks | 155 | 4,281 | 8 (tied) |
| Multifamily loans | $6.0B | $405.2B | 21 |
| Total CRE loans | $25.3B | $1,600.5B | 20 |
| Multifamily growth, year over year | +17.9% | +3.5% | 2 |
| CRE growth, year over year | +8.2% | +3.4% | 7 |
| Share of CRE at banks at or above 300% | 9.0% | 25.0% | 30 |
| Share of CRE at banks at or above 200% | 36.8% | 71.0% | 41 |
| Banks growing multifamily | 21 of 29 (72.4%) | 670 of 1,066 (62.9%) | 8 |
CRE is construction, multifamily and non-owner-occupied commercial real estate loans. Growth is like for like: Ohio banks that filed at both dates with no merger in the year. "Banks growing multifamily": of the 29 such Ohio banks with a multifamily book of $25 million or more a year earlier, the 21 whose book is larger now; the rank orders that share.
What stands out in Ohio
Like for like, Ohio's banks' multifamily books grew 17.9% in the year to June 30, 2026, the second-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.
The 10 largest multifamily books hold 65.4% of Ohio's bank multifamily loans, ranking 12th 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.
Which Ohio banks are growing multifamily?
| # | Bank | City | Multifamily loans | Multifamily, year over year | CRE concentration (% of capital) | CRE, 36 months |
|---|---|---|---|---|---|---|
| 1 | NATIONAL COOP BANK N A | HILLSBORO | $1.1B | +14.2% | 254.9% | +24.6% |
| 2 | FIRST FINANCIAL BANK | CINCINNATI | $808.6M | −10.9%‡ | 169.0% | +9.0%† |
| 3 | PEOPLES BANK | MARIETTA | $470.4M | +122.9% | 175.5% | +9.0% |
| 4 | PARK NATIONAL BANK | NEWARK | $356.0M | +37.4%‡ | 197.3% | +84.4%† |
| 5 | CIVISTA BANK | SANDUSKY | $307.3M | −9.8%‡ | 261.0% | +15.2%† |
| 6 | LCNB NATIONAL BANK | LEBANON | $250.0M | −1.9% | 385.6% | +15.4%† |
| 7 | FARMERS NB OF CANFIELD | CANFIELD | $218.4M | +22.4%‡ | 197.6% | +53.2%† |
| 8 | CFBANK NATIONAL ASSN | COLUMBUS | $182.2M | +15.8% | 279.3% | +51.8% |
| 9 | RIVERHILLS BANK | MILFORD | $161.1M | +6.4% | 493.2% | +58.1% |
| 10 | FARMERS&MERCHANTS STATE BANK | ARCHBOLD | $151.1M | +7.4% | 230.9% | −0.9% |
| 11 | WATERFORD BANK N A | TOLEDO | $129.5M | −6.4% | 248.2% | +5.0% |
| 12 | UNION BANK CO | COLUMBUS GROVE | $120.4M | +7.1% | 228.0% | +32.2% |
| 13 | UNION SAVINGS BANK | CINCINNATI | $115.0M | +9.8% | 119.9% | +5.9% |
| 14 | CROGHAN COLONIAL BANK | FREMONT | $111.1M | +14.2% | 359.0% | +65.9% |
| 15 | FIRST FS&LA OF LAKEWOOD | LAKEWOOD | $109.6M | +12.5% | 137.7% | +21.1% |
| 16 | OHIO VALLEY BANK CO | GALLIPOLIS | $98.2M | +23.5% | 219.8% | +70.4% |
| 17 | STATE BANK&TRUST CO | DEFIANCE | $90.5M | +49.2% | 225.0% | +40.2%† |
| 18 | OHIO STATE BANK | BEXLEY | $73.7M | −5.8% | 426.0% | +17.4% |
| 19 | SIGNATURE BANK NATIONAL ASSN | TOLEDO | $65.4M | +27.8% | 191.5% | +25.8% |
| 20 | CONSUMERS NATIONAL BANK | MINERVA | $59.0M | +8.7% | 187.9% | +24.4% |
| 21 | SAVINGS BANK | CIRCLEVILLE | $47.4M | +26.0% | 199.7% | +58.4% |
| 22 | CITIZENS NB OF BLUFFTON | BLUFFTON | $46.1M | +19.4% | 250.1% | +6.4% |
| 23 | UNIFIED BANK | MARTINS FERRY | $44.5M | +84.3% | 183.1% | +0.7% |
| 24 | RICHWOOD BANKING CO | RICHWOOD | $43.7M | +73.7% | 208.9% | +52.1% |
| 25 | RIVERSIDE BANK OF DUBLIN | DUBLIN | $43.6M | +18.3% | 446.3% | +55.4% |
‡ / † 6 of these 25 Ohio 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. 5 are headquartered in Ohio and are in the Ohio CSV.
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 Ohio bank (CSV)Every state, and the national picture →
What this means if you're a borrower in Ohio
Banks that are adding multifamily loans tend to compete for them, so it is worth asking more than one Ohio bank before taking the first terms you see.
Because Ohio's multifamily loans are spread across many banks, smaller community banks belong on the list alongside the largest holders in the table above.
Dominick Prevete of Blue Sky Capital Advisors arranges multifamily and commercial financing for Ohio 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 Ohio bank by name or FDIC certificate number to confirm its headquarters and status.
- Ohio banks, bank by bank (CSV) — The 160 banks headquartered in Ohio, 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.
Ohio bank CRE: common questions
Which banks in Ohio hold the most multifamily loans?+
Among banks headquartered in Ohio with under $100 billion in assets, National Coop Bank, N.A. ($1.1 billion), First Financial Bank ($808.6 million) and Peoples Bank ($470.4 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 Ohio banks still growing multifamily?+
Like for like, Ohio's banks grew 17.9% their multifamily books in the year to June 30, 2026, against +3.5% for U.S. banks under $100 billion. 21 of the 29 Ohio 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 Ohio bank CRE?+
9.0% of the CRE held by Ohio's banks under $100 billion sits at banks at or above 300% of capital, the 2006 interagency monitoring level: rank 30 of 43 states, against 25.0% nationally. 36.8% 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. 5 are headquartered in Ohio; they are in the Ohio CSV. 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 Ohio page reflects the 160 Ohio 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 Ohio 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.