These banks all reported apartment loans on their most recent federal call report, and all have at least one branch in Missouri. Banks are the most common source of multifamily financing — five units and up, stabilised or value-add — and most lend close to their branches, so a lender with offices near your building is usually a better first call than a bigger name without them. Expect a bank to want recourse and, usually, a banking relationship; the capital guide compares the alternatives.
Banks Based in Missouri, Largest Multifamily Books First
25 of 118 qualifying banks are headquartered in Missouri. These are the lenders whose whole business is this market.
| # | Institution | Multifamily book | Share of investor CRE | Branches in MO | Contact |
|---|---|---|---|---|---|
| 1 | UMB Bank | $1.72bn | 16.1% | 45 | Contact available |
| 2 | Great Southern Bank | $1.35bn | 44.3% | 68 | Contact available |
| 3 | Central Bank (Missouri) | $857m | 20.6% | 125 | Contact available |
| 4 | Southern Bank | $470m | 27.6% | 55 | Contact available |
| 5 | Legacy Bank & Trust | $456m | 44.2% | 5 | Contact available |
| 6 | Guaranty Bank (Missouri) | $399m | 33.1% | 13 | Contact available |
| 7 | Enterprise Bank & Trust | $384m | 10.2% | 18 | Contact available |
| 8 | Commerce Bank | $290m | 7.3% | 89 | Contact available |
| 9 | Oakstar Bank | $227m | 23.2% | 18 | Contact available |
| 10 | Midwest Bankcentre | $215m | 18.8% | 18 | Contact available |
| 11 | Academy Bank | $200m | 17.4% | 29 | Contact available |
| 12 | First State Community Bank | $169m | 13.4% | 53 | Contact available |
| 13 | Omb Bank | $146m | 21.1% | 8 | Contact available |
| 14 | Hawthorn Bank | $144m | 24.7% | 26 | Contact available |
| 15 | SULLIVAN BANK | $114m | 26.8% | 11 | Contact available |
| 16 | The Bank of Missouri | $113m | 15.2% | 32 | Contact available |
| 17 | Bank of Washington | $85m | 21.1% | 7 | Contact available |
| 18 | Sterling Bank | $83m | 22.7% | 11 | Contact available |
| 19 | American Bank of Freedom | $82m | 20.3% | 8 | Contact available |
| 20 | Midwest Regional Bank | $62m | 17.0% | 7 | Contact available |
| 21 | Montgomery Bank | $60m | 17.7% | 12 | Contact available |
| 22 | Royal Banks Of Missouri | $57m | 13.2% | 17 | Contact available |
| 23 | CNB St Louis Bank | $57m | 22.6% | 6 | Contact available |
| 24 | St. Louis Bank | $50m | 13.2% | 1 | Contact available |
| 25 | Triad Bank | $48m | 14.1% | 2 | Contact available |
National Lenders With Branches in Missouri
25 of 56 qualifying banks are headquartered elsewhere but have offices here. The multifamily figure is their national book, so read it alongside the branch count — a large book behind a handful of local offices is a different proposition from a bank with a branch network in the state.
| # | Institution | Multifamily book | Share of investor CRE | Branches in MO | Contact |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $107.32bn | 64.9% | 45 | Contact available |
| 2 | Wells Fargo | $26.55bn | 25.6% | 1 | Contact available |
| 3 | PNC Real Estate | $14.98bn | 40.8% | 27 | Contact available |
| 4 | US Bank | $14.46bn | 34.7% | 129 | Contact available |
| 5 | Bank of America | $8.46bn | 15.3% | 50 | Contact available |
| 6 | Huntington National Bank | $4.88bn | 19.9% | 5 | Contact available |
| 7 | EverBank | $4.86bn | 63.3% | 1 | Contact available |
| 8 | CIBC Bank USA | $3.99bn | 28.5% | 1 | Contact available |
| 9 | Regions Bank | $3.88bn | 35.6% | 49 | Contact available |
| 10 | First Citizens Bank | $2.97bn | 13.5% | 25 | Contact available |
| 11 | Associated Bank | $2.46bn | 27.3% | 1 | Contact available |
| 12 | Bank of Albuquerque | $2.05bn | 27.1% | 3 | Contact available |
| 13 | First Interstate Bank | $1.85bn | 31.3% | 6 | Contact available |
| 14 | The Northern Trust Company | $1.49bn | 27.6% | 1 | Contact available |
| 15 | Busey Bank | $1.09bn | 21.6% | 9 | Contact available |
| 16 | State Street Bank and Trust Company | $987m | 43.1% | 1 | Contact available |
| 17 | Simmons Bank | $812m | 9.7% | 47 | Contact available |
| 18 | Arvest Bank | $754m | 12.6% | 39 | Contact available |
| 19 | Heartland Bank & Trust | $667m | 30.0% | 1 | Contact available |
| 20 | Pinnacle Bank (Lincoln, NE) | $635m | 22.2% | 5 | Contact available |
| 21 | First National Bank of Omaha | $610m | 13.5% | 18 | Contact available |
| 22 | First Mid Bank & Trust | $391m | 13.8% | 17 | Contact available |
| 23 | Midland States Bank | $382m | 20.1% | 12 | Contact available |
| 24 | Republic Bank | $377m | 26.7% | 1 | Contact available |
| 25 | FCB Banks | $366m | 52.2% | 3 | Contact available |
What this list is, and what it leaves out
A reported balance is not a credit box. Every bank here held apartment loans on 30 June 2026. That is evidence they lend on multifamily — better evidence than a marketing page, because it is what they actually hold — but it is not a commitment to lend on your deal, at your size, in your submarket.
More lenders exist than this page lists. 174 banks qualified in Missouri. Credit unions, debt funds, agency lenders and life companies also finance apartments and none of them file this report, and plenty of banks lend on multifamily without publishing criteria anywhere. Running your deal through the search covers all of them, not just the banks on this page.
We hold a named lending contact for 165 of them.
Sources. FDIC Call Reports (30 June 2026) and the FDIC Summary of Deposits. A bank appears here if it reported a multifamily balance of $5m or more, or multifamily at 5% or more of its commercial real estate book, and has at least one branch in Missouri. The dual test is deliberate: a flat dollar floor is a bank-size filter in disguise — a $25m floor passes 86.5% of banks over $10bn and 2.2% of banks under $300m — and would drop the community lenders most likely to look at a smaller apartment deal. Multifamily is the call report's own category for loans secured by five-or-more-unit residential property; it excludes one-to-four-unit rentals, which banks report separately. Multifamily book is institution-level and unprorated: no state split of the loan book is published, so a bank lending in several states shows its full multifamily book on every state page where it qualifies. That is why this page separates banks based in Missouri from national lenders with branches here, rather than ranking them against each other on a national figure. Branch counts are offices in Missouri from the Summary of Deposits. Contact availability refers to whether Lender Compass holds a named contact, not to anything the bank publishes.