Explore the banking institutions serving the Orlando commercial real estate market. The rankings below use FDIC data to compare institutions by assets, deposits, branch presence, and CRE lending — not by CRE lending activity itself, which FDIC data can only establish for banks actually headquartered here.
Largest Banking Institutions in Orlando, by Assets
Institutions headquartered in the Orlando metro. Ranked by total (bank-wide) assets — not a measure of Orlando-specific size, which FDIC data can't establish (see Sources).
| # | Institution | Total assets |
|---|---|---|
| 1 | Cogent Bank | $2.45bn |
| 2 | United Southern Bank | $0.84bn |
| 3 | Axiom Bank, National Association | $0.73bn |
| 4 | Sunrise Bank | $0.62bn |
| 5 | The First National Bank of Mount Dora | $0.36bn |
| 6 | First Colony Bank of Florida | $0.29bn |
| 7 | Commerce Bank & Trust | $0.20bn |
Largest CRE Books, Headquartered in Orlando
Same population as the assets table above — not branch presence, which would seat a national bank's entire balance sheet here on the strength of a single branch. Ranked by current-quarter investor CRE loans (construction, multifamily, non-owner-occupied commercial), $100 million floor.
| # | Institution | CRE book |
|---|---|---|
| 1 | Cogent Bank | $0.42bn |
| 2 | Sunrise Bank | $0.23bn |
| 3 | United Southern Bank | $0.21bn |
| 4 | Axiom Bank, National Association | $0.15bn |
9 money-center/specialty charters excluded from population, same list as the state CRE-size pages.
Largest Banks in Orlando, by Deposits
Institutions with at least one Orlando branch. Ranked by deposits actually booked at a Orlando office — real local presence, unlike the assets table above.
| # | Institution | Orlando deposits | Orlando branches | Largest office |
|---|---|---|---|---|
| 1 | Truist Bank | $13.44bn | 58 | 39% |
| 2 | Bank of America, National Association | $12.41bn | 47 | 10% |
| 3 | JPMorgan Chase Bank, National Association | $9.62bn | 50 | 8% |
| 4 | Wells Fargo Bank, National Association | $9.28bn | 46 | 18% |
| 5 | Regions Bank | $2.88bn | 34 | 16% |
| 6 | Fifth Third Bank, National Association | $2.71bn | 33 | 11% |
| 7 | TD Bank, National Association | $2.07bn | 15 | 35% |
| 8 | Seacoast National Bank | $1.75bn | 13 | 16% |
| 9 | SouthState Bank, National Association | $1.67bn | 15 | 14% |
| 10 | One Florida Banknow Hancock Whitney Bank | $1.67bn | 5 | 28% |
| 11 | PNC Bank, National Association | $1.28bn | 19 | 11% |
| 12 | Synovus Banknow Pinnacle Bank | $1.12bn | 6 | 50% |
| 13 | First Horizon Bank | $0.93bn | 9 | 54% |
| 14 | Cogent Bank | $0.93bn | 2 | 61% |
| 15 | Valley National Bank | $0.75bn | 6 | 41% |
Deposits are as FDIC reports them, by the office where they are booked - not necessarily where the underlying relationship or customer is.
Banks With the Most Orlando Branches
Same population as the deposits table above, ranked by branch count.
| # | Institution | Orlando branches | Orlando deposits |
|---|---|---|---|
| 1 | Truist Bank | 58 | $13.44bn |
| 2 | JPMorgan Chase Bank, National Association | 50 | $9.62bn |
| 3 | Bank of America, National Association | 47 | $12.41bn |
| 4 | Wells Fargo Bank, National Association | 46 | $9.28bn |
| 5 | Regions Bank | 34 | $2.88bn |
| 6 | TrustCo Bank | 33 | $0.63bn |
| 7 | Fifth Third Bank, National Association | 33 | $2.71bn |
| 8 | PNC Bank, National Association | 19 | $1.28bn |
| 9 | TD Bank, National Association | 15 | $2.07bn |
| 10 | SouthState Bank, National Association | 15 | $1.67bn |
| 11 | Seacoast National Bank | 13 | $1.75bn |
| 12 | United Southern Bank | 12 | $0.75bn |
| 13 | First Horizon Bank | 9 | $0.93bn |
| 14 | Synovus Banknow Pinnacle Bank | 6 | $1.12bn |
| 15 | Valley National Bank | 6 | $0.75bn |
What does this mean for CRE borrowers?
Bank size, deposits, and local branch presence are useful indicators of an institution's scale and footprint in Orlando, but they don't tell you a bank's CRE lending appetite, property-type focus, or how it prices a deal like yours. A bank near the top of these lists may not lend on your property type at all; a bank you've never heard of may be exactly the right fit. Use Lender Compass to identify lenders based on property type, loan type, geography, and other deal characteristics — not bank size alone.
Sources & methodology
Geography: the Orlando-Kissimmee-Sanford MSA (FDIC MSA code 36740) — not statewide, not a hand-assembled county list. Every branch and institution figure above is scoped to this MSA using FDIC's own MSA classification.
Assets and CRE book tables use institutions whose main office is registered in the Orlando MSA, not merely a branch — a bank's total assets or CRE book has no geographic allocation to a single branch, so a branch-presence population would seat a national bank's entire balance sheet here on the strength of one office. Active institutions only, checked against FDIC's current status, not a fixed list — a bank that merges away next quarter drops out automatically.
Deposits and branch-count tables use any institution with a Orlando branch, since FDIC's Summary of Deposits survey specifically allocates deposits to the office where they're booked — the one figure that genuinely reflects local presence. Recently-merged institutions are shown under their prior charter with the successor named, since the historical Orlando presence is real regardless of what happened to the charter since; when the successor also lands in the same table, a note states the combined figure.
CRE book means investor commercial real estate loans — construction & land development, multifamily (5+ unit residential), and non-owner-occupied commercial property — per FDIC Call Report Schedule RC-C. It excludes owner-occupied CRE, which is reported separately and generally reflects a business's own real estate rather than third-party lending.