Small-Balance CRE · AL
Small-Balance CRE lenders in Alabama
77 lenders with an office in Alabama hold small-balance commercial real estate loans on their books. Alabama One Credit Union, based in Alabama, holds the largest book among those based here, at $190.5M.
- 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) and has an office in Alabama
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 77
- FDIC call report,
- Based here
- 70
- FDIC call report,
- Held by those based here
- $1.86B
- FDIC call report,
- Median book, based here
- $15.8M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in Alabama, https://lender.report/small-balance-cre-lenders/alabama/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Alabama One Credit Union | Credit union | Tuscaloosa, AL | 32 | $191M | +50.4% |
| Listerhill Credit Union | Credit union | Sheffield, AL | 16 | $111M | |
| Family Savings Credit Union | Credit union | Rainbow City, AL | 11 | $93.5M | +22.7% |
| Central State Bank | Bank | Calera, AL | 7 | $90.2M | |
| The Bank of Vernon | Bank | Vernon, AL | 2 | $79.1M | |
| All in Credit Union | Credit union | Daleville, AL | 37 | $77.0M | +66.9% |
| First Community Bank of Central Alabama | Bank | Wetumpka, AL | 9 | $70.4M | |
| Five Star Credit Union | Credit union | Dothan, AL | 10 | $67.2M | |
| Traditions Bank | Bank | Cullman, AL | 6 | $59.2M | |
| AOD Credit Union | Credit union | Bynum, AL | 6 | $55.0M | +332.4% |
| First Southern Bank | Bank | Florence, AL | 6 | $50.1M | |
| Avadian Credit Union | Credit union | Birmingham, AL | 19 | $45.4M | |
| Union State Bank | Bank | Pell City, AL | 8 | $43.7M | |
| The Citizens Bank | Bank | Enterprise, AL | 2 | $43.5M | |
| The Exchange Bank of Alabama | Bank | Altoona, AL | 5 | $35.4M | |
| Liberty Bank | Bank | Geraldine, AL | 7 | $34.7M | |
| Legacy Community Credit Union | Credit union | Birmingham, AL | 12 | $29.2M | +69.8% |
| The Hometown Bank of Alabama | Bank | Oneonta, AL | 5 | $26.4M | |
| HNB First Bank | Bank | Headland, AL | 3 | $25.2M | |
| First Cahawba Bank | Bank | Selma, AL | 5 | $24.7M |
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Community Bank of Mississippi | Bank | Flowood, MS | 7 | $389M |
| Gulf Coast Bank and Trust Company | Bank | New Orleans, LA | 1 | $311M |
| Century Bank | Bank | Lucedale, MS | 6 | $51.3M |
| Platinum Credit Union | Credit union | Duluth, GA | 1 | $34.8M |
| Navigator Credit Union | Credit union | Pascagoula, MS | 4 | $27.0M |
| Citizens Community Bank | Bank | Winchester, TN | 1 | $21.7M |
| Kinetic Credit Union | Credit union | Columbus, GA | 1 | $12.8M |
- 70 of these lenders are based in Alabama, and 7 are based elsewhere with offices here. FDIC call report,
- These lenders: 56 banks and 21 credit unions. FDIC call report,
- Lenders based in Alabama hold $1.9B of small-balance commercial real estate loans. FDIC call report,
- The five largest books based here hold 30.4% of that total. FDIC call report,
- Alabama One Credit Union holds $190.5M, and Listerhill Credit Union holds $110.9M. FDIC call report,
- The median book among lenders based in Alabama is $15.8M. FDIC call report,
- 11 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- 2 lenders based here hold $100M or more of it. FDIC call report,
- These lenders list 411 offices in Alabama. FDIC office list,
- Community Bank of Mississippi, based in Mississippi, lists the most offices here among out-of-state lenders, at 7. FDIC office list,
- Among credit unions here, the median average loan in this category is $593K. NCUA 5300,
- AOD Credit Union grew this book the most in the year, up 332.4% to $55M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in Alabama
- 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 Alabama. 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.
For banks the book shown is nonfarm nonresidential loans of $1M or less. For credit unions it is the non-owner-occupied commercial real estate book, where the average loan is $1M or less.
Small-balance commercial real estate means loans of about $1M or less. A lender with many of them often works with smaller borrowers.
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.
A lender counts here if it 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) and has an office in Alabama. 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.