--- title: Owner-Occupied CRE Lenders in West Virginia: 80 Hold These Loans url: https://lender.report/owner-occupied-cre-lenders/west-virginia/ license: https://lender.report/license/ --- Owner-Occupied CRE ยท WV # Owner-Occupied CRE lenders in West Virginia 80 lenders with an office in West Virginia hold owner-occupied commercial real estate loans on their books. WesBanco Bank, Inc., based in West Virginia, holds the largest book among those based here, at $3B. **Evidence** Lender holds owner-occupied commercial real estate loans on its books at the latest filing and has an office in West Virginia **Data as of** June 30, 2026 **Page last changed** November 11, 2026 **Lenders with an office here** 80 FDIC call report, Jun 30, 2026 **Based here** 48 FDIC call report, Jun 30, 2026 **Held by those based here** $4.47B FDIC call report, Jun 30, 2026 +14.3% from a year earlier, 46 of 48 lenders **Median book, based here** $16.9M FDIC call report, Jun 30, 2026 Cite this Source: The Lender Report, Owner-Occupied CRE lenders in West Virginia, https://lender.report/owner-occupied-cre-lenders/west-virginia/, data as of June 30, 2026. ## Describe a deal in West Virginia See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show owner-occupied CRE loans in West Virginia](https://lender.report/comps/?lane=cre_owner&state=WV)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Offices here | Holds | Growth, 12 months | | --- | --- | --- | --- | --- | --- | | [WesBanco Bank, Inc.](https://lender.report/lender/wesbanco-bank-wv/) | Bank | Wheeling, WV | 34 | $3.05B | +21.8% | | [City National Bank of West Virginia](https://lender.report/lender/city-national-bank-of-west-virginia-wv/) | Bank | Charleston, WV | 58 | $237M | +8.4% | | [MVB Bank, Inc](https://lender.report/lender/mvb-bank-wv/) | Bank | Fairmont, WV | 6 | $214M | | | [Potomac Bank](https://lender.report/lender/potomac-bank-wv/) | Bank | Charles Town, WV | 5 | $122M | +2.7% | | [Clear Mountain Bank](https://lender.report/lender/clear-mountain-bank-wv/) | Bank | Bruceton Mills, WV | 10 | $98.2M | +2.7% | | [Highlands Bank](https://lender.report/lender/highlands-bank-wv/) | Bank | Petersburg, WV | 7 | $83.7M | +2.4% | | [Citizens Bank of West Virginia, Inc.](https://lender.report/lender/citizens-bank-of-west-virginia-wv/) | Bank | Elkins, WV | 8 | $80.7M | | | [CNB Bank, Inc.](https://lender.report/lender/cnb-bank-wv/) | Bank | Berkeley Springs, WV | 5 | $58.6M | +26.7% | | [Pendleton Community Bank, Inc.](https://lender.report/lender/pendleton-community-bank-wv/) | Bank | Franklin, WV | 10 | $52.0M | | | [Putnam County Bank](https://lender.report/lender/putnam-county-bank-wv/) | Bank | Hurricane, WV | 5 | $43.1M | | | [First Exchange Bank](https://lender.report/lender/first-exchange-bank-wv/) | Bank | White Hall, WV | 7 | $36.2M | | | [The Citizens Bank of Weston](https://lender.report/lender/citizens-bank-of-weston-wv/) | Bank | Weston, WV | 2 | $27.0M | | | [Jefferson Security Bank](https://lender.report/lender/jefferson-security-bank-wv/) | Bank | Shepherdstown, WV | 5 | $25.1M | +3.5% | | [FNB Bank, Inc.](https://lender.report/lender/fnb-bank-wv/) | Bank | Romney, WV | 6 | $23.9M | +2.8% | | [Pioneer Community Bank, Inc.](https://lender.report/lender/pioneer-community-bank-wv/) | Bank | Iaeger, WV | 6 | $23.7M | +12.3% | | [Williamstown Bank, Inc.](https://lender.report/lender/williamstown-bank-wv/) | Bank | Williamstown, WV | 4 | $23.2M | | | [Mountain Valley Bank, N.A.](https://lender.report/lender/mountain-valley-bank-wv/) | Bank | Elkins, WV | 4 | $23.0M | +12.8% | | [Freedom Bank, Inc.](https://lender.report/lender/freedom-bank-wv/) | Bank | Belington, WV | 9 | $22.6M | | | [Davis Trust Company](https://lender.report/lender/davis-trust-wv/) | Bank | Elkins, WV | 2 | $22.4M | | | [The Poca Valley Bank, Inc.](https://lender.report/lender/poca-valley-bank-wv/) | Bank | Walton, WV | 9 | $20.2M | +55.5% | FDIC call report, Jun 30, 2026 [See all 80 owner-occupied CRE lenders in West Virginia in Loan Comps](https://lender.report/comps/?lane=cre_owner&state=WV) | Lender | Kind | Based in | Offices here | Holds, nationwide | | --- | --- | --- | --- | --- | | [Truist Bank](https://lender.report/lender/truist-bank-nc/) | Bank | Charlotte, NC | 42 | $17.8B | | [First-Citizens Bank & Trust Company](https://lender.report/lender/first-citizens-bank-and-trust-nc/) | Bank | Raleigh, NC | 4 | $16.8B | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Bank | Columbus, OH | 17 | $14.4B | | [The Huntington National Bank](https://lender.report/lender/huntington-national-bank-oh/) | Bank | Columbus, OH | 26 | $13.3B | | [Fifth Third Bank, National Association](https://lender.report/lender/fifth-third-bank-oh/) | Bank | Cincinnati, OH | 5 | $12.0B | | [Manufacturers and Traders Trust Company](https://lender.report/lender/manufacturers-and-traders-trust-ny/) | Bank | Buffalo, NY | 2 | $10.6B | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) | Bank | Wilmington, DE | 1 | $10.4B | | [First National Bank of Pennsylvania](https://lender.report/lender/first-national-bank-of-pennsylvania-pa/) | Bank | Greenville, PA | 2 | $3.31B | | [United Bank](https://lender.report/lender/united-bank-va/) | Bank | Fairfax, VA | 48 | $2.17B | | [Burke & Herbert Bank & Trust Company](https://lender.report/lender/burke-and-herbert-bank-and-trust-va/) | Bank | Alexandria, VA | 32 | $1.15B | FDIC call report, Jun 30, 2026 - 48 of these lenders are based in West Virginia, and 32 are based elsewhere with offices here. FDIC call report, Jun 30, 2026 - These lenders: 60 banks, 4 savings institutions and 16 credit unions. FDIC call report, Jun 30, 2026 - Lenders based in West Virginia hold $4.5B of owner-occupied commercial real estate loans, up 14.3% from a year earlier among the 46 of 48 with a comparable earlier filing. FDIC call report, Jun 30, 2026 - The five largest books based here hold 83.2% of that total. FDIC call report, Jun 30, 2026 - WesBanco Bank, Inc. holds $3B, and City National Bank of West Virginia holds $237.1M. FDIC call report, Jun 30, 2026 - The median book among lenders based in West Virginia is $16.9M. FDIC call report, Jun 30, 2026 - 13 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report, Jun 30, 2026 - 4 lenders based here hold $100M or more of it. FDIC call report, Jun 30, 2026 - These lenders list 602 offices in West Virginia. FDIC office list, Oct 28, 2026 - United Bank, based in Virginia, lists the most offices here among out-of-state lenders, at 48. FDIC office list, Oct 28, 2026 - Among credit unions here, the median average loan in this category is $274K. NCUA 5300, Jun 30, 2026 - The Poca Valley Bank, Inc. grew this book the most in the year, up 55.5% to $20.2M. FDIC call report, Jun 30, 2026 ## How this list is defined **Measure** owner-occupied commercial real estate loans held by lenders with an office in West Virginia **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 West Virginia. 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](https://api.fdic.gov/banks/financials) **Changelog** November 12, 2026: 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 West Virginia. 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](https://lender.report/report/) 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.