Citizens Bank vs Home Bank, National Association

As of Q1 2026, Home Bank, National Association carries a larger commercial real estate loan book than Citizens Bank, roughly 6.7× the size — $1.7B versus $252.0M. 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 Home Bank, National Association is contracting (0.2%). 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 Home Bank, National Association sits lower at 211% 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.

Home Bank, National Association carries a higher nonaccrual CRE ratio (1% of its CRE book, versus 0% at the other). Rising nonaccruals consume management attention and provisions and often precede tighter credit standards — a useful caution flag when comparing the two as a potential lender.

County recorded documents show both lenders actively closing commercial loans — 13 recent for Citizens Bank and 11 for Home Bank, National Association. 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: Home Bank, National Association runs the larger CRE book. 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.