Owner-Occupied CRE · VT
Owner-Occupied CRE lenders in Vermont
32 lenders with an office in Vermont hold owner-occupied commercial real estate loans on their books. Community National Bank, based in Vermont, holds the largest book among those based here, at $152M.
- Evidence
- Lender holds owner-occupied commercial real estate loans on its books at the latest filing and has an office in Vermont
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 32
- FDIC call report,
- Based here
- 19
- FDIC call report,
- Held by those based here
- $791M
- FDIC call report,
- +12.7% from a year earlier
- Median book, based here
- $32.3M
- FDIC call report,
Cite this
Source: The Lender Report, Owner-Occupied CRE lenders in Vermont, https://lender.report/owner-occupied-cre-lenders/vermont/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Community National Bank | Bank | Derby, VT | 12 | $152M | +15.5% |
| Northfield Savings Bank | Savings | Northfield, VT | 13 | $95.0M | +19.3% |
| Union Bank | Bank | Morrisville, VT | 15 | $89.5M | |
| Ledyard National Bank | Bank | Norwich, VT | 1 | $73.3M | +19.2% |
| Passumpsic Savings Bank | Savings | Saint Johnsbury, VT | 8 | $64.2M | +5.3% |
| Heritage Family Credit Union | Credit union | Rutland, VT | 11 | $53.0M | |
| Business Bank, The | Bank | S Burlington, VT | 1 | $44.1M | +132.2% |
| The Bank of Bennington | Savings | Bennington, VT | 5 | $42.1M | +13.8% |
| Eastrise Credit Union | Credit union | Williston, VT | 18 | $41.8M | +26.9% |
| The Brattleboro Savings and Loan Association | Bank | Brattleboro, VT | 5 | $32.3M | +4.6% |
| Peoples Trust Company of St. Albans | Bank | Saint Albans, VT | 5 | $32.0M | +3.4% |
| The National Bank of Middlebury | Bank | Middlebury, VT | 7 | $21.9M | |
| Vermont Credit Union | Credit union | So Burlington, VT | 9 | $20.5M | +20.3% |
| North Country Credit Union | Credit union | Burlington, VT | 12 | $13.1M | +1.3% |
| ONE Credit Union | Credit union | Springfield, VT | 6 | $7.21M | +24.9% |
| Green Mountain Credit Union | Credit union | South Burlington, VT | 5 | $4.98M | |
| Wells River Savings Bank | Savings | Wells River, VT | 6 | $2.78M | +1.5% |
| Northern Lights Credit Union | Credit union | Saint Johnsbury, VT | 1 | $643K | |
| The First National Bank of Orwell | Bank | Orwell, VT | 2 | $247K |
See all 32 owner-occupied CRE lenders in Vermont in Loan Comps
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| JPMorgan Chase Bank, National Association | Bank | Columbus, OH | 3 | $14.4B |
| Manufacturers and Traders Trust Company | Bank | Buffalo, NY | 33 | $10.6B |
| TD Bank, National Association | Bank | Wilmington, DE | 18 | $6.84B |
| Citizens Bank, National Association | Bank | Providence, RI | 10 | $4.00B |
| KeyBank National Association | Bank | Cleveland, OH | 10 | $3.01B |
| Beacon Bank and Trust | Bank | Boston, MA | 5 | $1.79B |
| NBT Bank, National Association | Bank | Norwich, NY | 4 | $997M |
| Community Bank, National Association | Bank | Canton, NY | 29 | $837M |
| Bar Harbor Bank & Trust | Bank | Bar Harbor, ME | 11 | $328M |
| Mascoma Bank | Bank | Lebanon, NH | 13 | $177M |
- 19 of these lenders are based in Vermont, and 13 are based elsewhere with offices here. FDIC call report,
- These lenders: 18 banks, 6 savings institutions and 8 credit unions. FDIC call report,
- Lenders based in Vermont hold $790.6M of owner-occupied commercial real estate loans, up 12.7% from a year earlier. FDIC call report,
- The five largest books based here hold 60.0% of that total. FDIC call report,
- Community National Bank holds $152M, and Northfield Savings Bank holds $95M. FDIC call report,
- The median book among lenders based in Vermont is $32.3M. FDIC call report,
- 8 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- 1 lender based here hold $100M or more of it. FDIC call report,
- These lenders list 282 offices in Vermont. FDIC office list,
- Manufacturers and Traders Trust Company, based in New York, lists the most offices here among out-of-state lenders, at 33. FDIC office list,
- Among credit unions here, the median average loan in this category is $358K. NCUA 5300,
- Business Bank, The grew this book the most in the year, up 132.2% to $44.1M. FDIC call report,
How this list is defined
- Measure
- owner-occupied commercial real estate loans held by lenders with an office in Vermont
- Period
- June 30, 2026
- Formula
- The balance of owner-occupied commercial real estate loans on the lender's June 30, 2026 filing, for a lender with an office in Vermont. A balance held, not loans made.
- Order
- Largest first by the book held at the latest filing, then name. Payment is not part of the order.
- As of
- June 30, 2026
- Source
- FDIC call report
- Changelog
- : First published, with the data built on this date.
Owner-occupied commercial real estate is property a business uses itself, such as its own plant, shop or office. It is often tied to the business loan.
Call reports give one balance per institution, not by state, and they carry balances, not loans made. The figure shown is the whole institution's book.
Growth appears only where a book grew over the 12 months. Each lender's own page has its full record.
A lender counts here if it holds owner-occupied commercial real estate loans on its books at the latest filing and has an office in Vermont. Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.