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Small-Balance CRE · KY

Small-Balance CRE lenders in Kentucky

85 lenders with an office in Kentucky hold small-balance commercial real estate loans on their books. Commonwealth Credit Union, based in Kentucky, holds the largest book among those based here, at $145.6M.

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 Kentucky
Data as of
June 30, 2026
Page last changed
November 11, 2026
Lenders with an office here
85
FDIC call report,
Based here
76
FDIC call report,
Held by those based here
$1.69B
FDIC call report,
Median book, based here
$16.2M
FDIC call report,

Cite this

Source: The Lender Report, Small-Balance CRE lenders in Kentucky, https://lender.report/small-balance-cre-lenders/kentucky/, data as of June 30, 2026.

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Lenders based in Kentucky, by book held. First 20 of 76.
LenderKindBased inOffices hereHoldsGrowth, 12 months
Commonwealth Credit UnionCredit unionFrankfort, KY18$146M+79.6%
Farmers Bank and Trust CompanyBankMarion, KY10$74.3M
University of Kentucky Credit UnionCredit unionLexington, KY9$73.3M+174.1%
Wilson & Muir Bank & Trust CompanyBankBardstown, KY12$73.0M
PARK Credit UnionCredit unionLouisville, KY15$63.2M
Peoples Exchange BankBankWinchester, KY9$59.2M
Cumberland Security Bank, Inc.BankSomerset, KY4$55.5M
First United Bank and Trust CompanyBankMadisonville, KY7$50.5M
Abound Credit UnionCredit unionRadcliff, KY20$37.7M+5.2%
Farmers Bank and Trust CompanyBankPrinceton, KY4$37.7M
Hearthside Bank CorporationBankMiddlesboro, KY4$35.2M
First & Farmers National Bank, Inc.BankSomerset, KY11$35.0M
The Citizens National Bank of SomersetBankSomerset, KY12$34.7M
First Kentucky Bank, Inc.BankMayfield, KY11$32.8M
United Southern BankBankHopkinsville, KY7$32.7M
The Commercial Bank of GraysonBankGrayson, KY3$32.5M
The Sacramento Deposit BankBankSacramento, KY2$30.9M
First Community Bank of the Heartland, Inc.BankClinton, KY5$30.4M
First National Bank of KentuckyBankCarrollton, KY6$28.9M
The Peoples BankBankMarion, KY4$28.8M
FDIC call report,

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Based elsewhere, with offices in Kentucky
LenderKindBased inOffices hereHolds, nationwide
Y-12 Credit UnionCredit unionOak Ridge, TN7$295M
Kemba Credit UnionCredit unionWest Chester, OH1$96.4M
Southeast Financial Credit UnionCredit unionFranklin, TN1$50.9M
Heritage Credit UnionCredit unionNewburgh, IN3$45.2M
The First National Bank of WilliamsonBankWilliamson, WV2$33.6M
Guardian Savings BankSavingsWest Chester, OH6$23.9M
Desco Credit UnionCredit unionPortsmouth, OH2$23.2M
People's Bank and Trust Company of Pickett CountyBankByrdstown, TN1$15.8M
CARO Credit UnionCredit unionColumbia, SC2$10.5M
FDIC call report,
  • 76 of these lenders are based in Kentucky, and 9 are based elsewhere with offices here. FDIC call report,
  • These lenders: 64 banks, 6 savings institutions and 15 credit unions. FDIC call report,
  • Lenders based in Kentucky hold $1.7B of small-balance commercial real estate loans. FDIC call report,
  • The five largest books based here hold 25.5% of that total. FDIC call report,
  • Commonwealth Credit Union holds $145.6M, and Farmers Bank and Trust Company holds $74.3M. FDIC call report,
  • The median book among lenders based in Kentucky is $16.2M. FDIC call report,
  • 4 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 398 offices in Kentucky. FDIC office list,
  • Y-12 Credit Union, based in Tennessee, 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 $452K. NCUA 5300,
  • University of Kentucky Credit Union grew this book the most in the year, up 174.1% to $73.3M. FDIC call report,

How this list is defined

Measure
small-balance commercial real estate loans held by lenders with an office in Kentucky
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 Kentucky. 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
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 Kentucky. 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.