SD lenders / National Bank
Citibank, National Association
National Bank · Sioux Falls, SD · Citigroup Inc
- Total assets
- $1933.6B
- CRE loan book
- $25.0B
- QoQ CRE growth
- 2.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 3.59% as of Q1 2026 — TX bank median 4.87% (1.27pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 3.59% | 7.70% |
| Q4 2025 | 3.71% | 7.96% |
| Q3 2025 | 3.66% | 8.08% |
| Q2 2025 | 3.66% | 8.04% |
| Q1 2025 | 4.20% | 8.10% |
| Q4 2024 | 4.29% | 8.49% |
| Q3 2024 | 4.41% | 8.81% |
| Q2 2024 | 4.37% | 8.71% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $25.0B | $7.8B | $7.3B | 22% | $416.0M |
| Q4 2025 | $24.5B | $7.4B | $7.2B | 20% | $642.0M |
| Q3 2025 | $25.0B | $7.2B | $7.8B | 21% | $942.0M |
| Q2 2025 | $25.3B | $6.9B | $8.1B | 22% | $678.0M |
| Q1 2025 | $25.3B | $6.8B | $8.1B | 22% | $638.0M |
| Q4 2024 | $25.9B | $6.4B | $8.2B | 23% | $569.0M |
| Q3 2024 | $26.2B | $6.5B | $8.7B | 22% | $355.0M |
| Q2 2024 | $26.5B | $6.4B | $8.9B | 23% | $274.0M |
Similar lenders
Other national banks we track with a comparable CRE book size.
- Capital One, National AssociationNational Bank · Mclean · $24.4B CRE book
- Citizens Bank, National AssociationNational Bank · Providence · $27.1B CRE book
- BMO Bank National AssociationNational Bank · Chicago · $28.1B CRE book
- TD Bank, National AssociationNational Bank · Wilmington · $30.6B CRE book
- Manufacturers and Traders Trust CompanyNational Bank · Buffalo · $33.4B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.