Small-Balance CRE · FL
Small-Balance CRE lenders in Florida
48 lenders with an office in Florida hold small-balance commercial real estate loans on their books. Emigrant Bank, based in Florida, holds the largest book among those based here, at $363.5M.
- 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 Florida
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 48
- FDIC call report,
- Based here
- 29
- FDIC call report,
- Held by those based here
- $1.20B
- FDIC call report,
- +4.6% from a year earlier, 18 of 29 lenders
- Median book, based here
- $18.2M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in Florida, https://lender.report/small-balance-cre-lenders/florida/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Emigrant Bank | Bank | Miami, FL | 2 | $364M | |
| Community Credit Union of Florida | Credit union | Rockledge, FL | 8 | $106M | +4.0% |
| GTE Credit Union | Credit union | Tampa, FL | 25 | $96.6M | |
| United Southern Bank | Bank | Umatilla, FL | 14 | $95.0M | |
| Grow Financial Credit Union | Credit union | Tampa, FL | 23 | $78.6M | +12.9% |
| Community First Credit Union of Flo | Credit union | Jacksonville, FL | 26 | $71.0M | +6.7% |
| First Commerce Credit Union | Credit union | Tallahassee, FL | 8 | $53.6M | +6.1% |
| Orlando Credit Union | Credit union | Orlando, FL | 7 | $36.0M | +5.7% |
| Brannen Bank | Bank | Inverness, FL | 12 | $33.5M | |
| Champions First Credit Union | Credit union | Tallahassee, FL | 9 | $32.0M | |
| Innovations Financial Credit Union | Credit union | Panama City, FL | 10 | $27.3M | +21.5% |
| The First National Bank of Mount Dora | Bank | Mount Dora, FL | 3 | $26.3M | |
| First Florida Credit Union | Credit union | Jacksonville, FL | 18 | $26.1M | |
| Community Bank of the South | Bank | Merritt Island, FL | 3 | $22.7M | |
| Harvesters Credit Union | Credit union | Cantonment, FL | 8 | $18.2M | +40.0% |
| Space Coast Credit Union | Credit union | Melbourne, FL | 71 | $17.6M | +14.1% |
| Panhandle Credit Union | Credit union | Panama City, FL | 7 | $14.9M | |
| McCoy Credit Union | Credit union | Orlando, FL | 16 | $13.4M | |
| PNB Community Bank | Bank | Niceville, FL | 3 | $11.8M | |
| Century Bank of Florida | Bank | Tampa, FL | 1 | $11.7M |
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Credit Union 1 | Credit union | Lombard, IL | 1 | $738M |
| Community Bank of Mississippi | Bank | Flowood, MS | 6 | $389M |
| Gulf Coast Bank and Trust Company | Bank | New Orleans, LA | 6 | $311M |
| ELGA Credit Union | Credit union | Grand Blanc, MI | 5 | $112M |
| All in Credit Union | Credit union | Daleville, AL | 6 | $77.0M |
| Together Credit Union | Credit union | Saint Louis, MO | 3 | $60.8M |
| Southeastern Bank | Bank | Darien, GA | 2 | $56.9M |
| First Southern Bank | Bank | Florence, AL | 3 | $50.1M |
| Everence Credit Union | Credit union | Lancaster, PA | 1 | $39.5M |
| Baxter Credit Union | Credit union | Vernon Hills, IL | 1 | $37.7M |
- 29 of these lenders are based in Florida, and 19 are based elsewhere with offices here. FDIC call report,
- These lenders: 19 banks, 1 savings institution and 28 credit unions. FDIC call report,
- Lenders based in Florida hold $1.2B of small-balance commercial real estate loans, up 4.6% from a year earlier among the 18 of 29 with a comparable earlier filing. FDIC call report,
- The five largest books based here hold 61.8% of that total. FDIC call report,
- Emigrant Bank holds $363.5M, and Community Credit Union of Florida holds $106.2M. FDIC call report,
- The median book among lenders based in Florida is $18.2M. FDIC call report,
- 7 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 346 offices in Florida. FDIC office list,
- Community Bank of Mississippi, based in Mississippi, lists the most offices here among out-of-state lenders, at 6. FDIC office list,
- Among credit unions here, the median average loan in this category is $640K. NCUA 5300,
- Loyalty Credit Union grew this book the most in the year, up 59.6% to $10.9M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in Florida
- 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 Florida. 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 Florida. 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.