Citizens Bank vs Commerce Bank

As of Q1 2026, Citizens Bank carries a larger commercial real estate loan book than Commerce Bank, roughly 2.4× the size — $252.0M versus $105.1M. CRE book size is one gauge of how much lending capacity a bank is actively deploying, though a bigger book is not automatically better for a borrower; what matters is whether the bank is still growing that book and how concentrated it has become.

Their trajectories diverge: Citizens Bank is growing its CRE book (4.8% quarter over quarter) while Commerce Bank is contracting (-2.2%). For a borrower weighing the two, the expanding lender is the more likely to be competing for new business right now.

Citizens Bank is further up the concentration curve at 510% — past the 300% supervisory guideline — while Commerce Bank sits lower at 283% with more balance-sheet capacity to keep lending. A borrower may find the less-concentrated bank more receptive to new credit, though concentration is only one of several appetite signals.

Both books look healthy on asset quality — nonaccrual CRE loans sit below 0.5% of the CRE book at each bank (0% for Citizens Bank, 0% for Commerce Bank). Low nonaccrual levels suggest the existing portfolio is performing and the bank is not preoccupied with problem-loan management.

County recorded documents show both lenders actively closing commercial loans — 9 recent for Citizens Bank and 1 for Commerce Bank. Citizens Bank shows the heavier recent activity in the records we track. Filed deeds of trust are the ground truth of a closed, secured loan, so a presence here confirms the bank is writing business, not just quoting it.

The short version: Citizens Bank runs the larger CRE book, Citizens Bank is the one still expanding. The right lender for any specific deal still depends on property type, sponsorship, and the current terms each is quoting — the table above and each bank's full profile carry the detail.