By kind of loan
Small-Balance CRE lenders
2,524 lenders hold small-balance commercial real estate loans on their books, $54.5B in all at June 30, 2026. Credit Union 1 holds the most, $738.4M.
- Evidence
- Lender has a small-balance commercial real estate book (banks: 40% or more of it in loans of $1M or less; credit unions: an average non-owner-occupied loan of $1M or less)
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders
- 2,524
- FDIC call report,
- Total held
- $54.5B
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders, https://lender.report/small-balance-cre-lenders/, data as of June 30, 2026.
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| Lender | Kind | Based in | Holds | Growth, 12 months |
|---|---|---|---|---|
| Credit Union 1 | Credit union | Lombard, IL | $738M | +24.6% |
| Covantage Credit Union | Credit union | Antigo, WI | $472M | +0.8% |
| Community Bank of Mississippi | Bank | Flowood, MS | $389M | |
| Emigrant Bank | Bank | Miami, FL | $364M | |
| Dupaco Community Credit Union | Credit union | Dubuque, IA | $354M | |
| Magnifi Financial Credit Union | Credit union | Melrose, MN | $318M | +19.1% |
| Center Parc Credit Union | Credit union | Atlanta, GA | $317M | |
| Gulf Coast Bank and Trust Company | Bank | New Orleans, LA | $311M | |
| Fox Communities Credit Union | Credit union | Appleton, WI | $304M | +17.5% |
| Y-12 Credit Union | Credit union | Oak Ridge, TN | $295M | +57.6% |
| Community Choice Credit Union | Credit union | Farmington Hills, MI | $241M | +25.2% |
| Michigan Schools and Government Credit Union | Credit union | Clinton Township, MI | $197M | +37.9% |
| Coast Central Credit Union | Credit union | Eureka, CA | $193M | +28.8% |
| The Nodaway Valley Bank | Bank | Maryville, MO | $191M | |
| Alabama One Credit Union | Credit union | Tuscaloosa, AL | $191M | +50.4% |
| Self Reliance Financial Credit Union | Credit union | New York, NY | $189M | +79.7% |
| Citizens State Bank of New Castle, Indiana | Bank | New Castle, IN | $185M | |
| Freedom First Credit Union | Credit union | Roanoke, VA | $180M | |
| One Bank of Tennessee | Bank | Cookeville, TN | $178M | |
| Keypoint Credit Union | Credit union | San Jose, CA | $171M | +6.5% |
| Trumark Financial Credit Union | Credit union | Fort Washington, PA | $165M | +27.8% |
| Franklin Savings Bank | Bank | Farmington, ME | $160M | |
| Community National Bank & Trust | Bank | Chanute, KS | $159M | |
| First Keystone Community Bank | Bank | Berwick, PA | $156M | |
| Skyline National Bank | Bank | Independence, VA | $151M |
| State | Lenders | Based here | Held by those based here |
|---|---|---|---|
| Illinois | 204 | 183 | $3.50B |
| Minnesota | 178 | 162 | $3.12B |
| Iowa | 172 | 162 | $2.47B |
| Texas | 167 | 148 | $2.41B |
| Ohio | 159 | 147 | $3.00B |
| Missouri | 131 | 117 | $2.00B |
| Michigan | 118 | 113 | $3.41B |
| Kansas | 116 | 107 | $1.11B |
| Wisconsin | 106 | 94 | $3.01B |
| Pennsylvania | 96 | 78 | $2.23B |
| Oklahoma | 89 | 86 | $1.01B |
| Kentucky | 85 | 76 | $1.69B |
| Indiana | 82 | 67 | $1.90B |
| Georgia | 79 | 69 | $1.74B |
| Nebraska | 79 | 73 | $975M |
| Alabama | 77 | 70 | $1.86B |
| Tennessee | 71 | 57 | $1.74B |
| New York | 68 | 60 | $1.34B |
| Louisiana | 61 | 59 | $1.67B |
| Virginia | 52 | 38 | $1.44B |
| Massachusetts | 51 | 47 | $1.25B |
| Colorado | 49 | 41 | $647M |
| Florida | 48 | 29 | $1.20B |
| West Virginia | 48 | 40 | $882M |
| Mississippi | 41 | 27 | $1.00B |
| North Carolina | 41 | 25 | $344M |
| North Dakota | 41 | 37 | $465M |
| South Carolina | 38 | 27 | $642M |
| South Dakota | 35 | 29 | $286M |
| Arkansas | 34 | 25 | $532M |
| California | 34 | 22 | $858M |
| Montana | 32 | 27 | $574M |
| New Jersey | 30 | 24 | $318M |
| Wyoming | 26 | 22 | $543M |
| Maine | 21 | 19 | $395M |
| Maryland | 19 | 10 | $205M |
| Washington | 16 | 11 | $197M |
| Oregon | 15 | 12 | $343M |
| Connecticut | 13 | 8 | $139M |
| Idaho | 13 | 9 | $212M |
| New Mexico | 13 | 11 | $128M |
| Vermont | 13 | 12 | $419M |
| Arizona | 12 | 7 | $185M |
| New Hampshire | 12 | 6 | $269M |
| Utah | 10 | 7 | $170M |
- These lenders hold $54.5B of small-balance commercial real estate loans. FDIC call report,
- The five largest books hold 4.3% of that. FDIC call report,
- These lenders: 1,625 banks, 181 savings institutions and 718 credit unions. FDIC call report,
- 45 states have at least 10 small-balance CRE lenders with in-state evidence on record, each with its own page. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in the United States
- Period
- June 30, 2026
- Formula
- The balance of small-balance commercial real estate loans on the lender's June 30, 2026 filing, for a lender with an office in the United States. 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.
This is a rule of thumb on public filings. It is not a statement from any lender about what it will lend on.
Growth appears only where a book grew over the 12 months. Each lender's own page has its full record.
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.