Small-Balance CRE · MD
Small-Balance CRE lenders in Maryland
19 lenders with an office in Maryland hold small-balance commercial real estate loans on their books. Woodsboro Bank, based in Maryland, holds the largest book among those based here, at $71M.
- 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 Maryland
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 19
- FDIC call report,
- Based here
- 10
- FDIC call report,
- Held by those based here
- $205M
- FDIC call report,
- +11.5% from a year earlier, 7 of 10 lenders
- Median book, based here
- $19.1M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in Maryland, https://lender.report/small-balance-cre-lenders/maryland/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Woodsboro Bank | Bank | Woodsboro, MD | 5 | $71.0M | |
| First Peoples Community Credit Union | Credit union | Cumberland, MD | 13 | $34.2M | +4.4% |
| Money One Credit Union | Credit union | Largo, MD | 1 | $23.3M | +4.5% |
| Jarrettsville Federal Savings and Loan Association | Savings | Jarrettsville, MD | 1 | $19.6M | |
| Freedom of Maryland Credit Union | Credit union | Bel Air, MD | 8 | $19.1M | +0.3% |
| The Chesapeake Bank & Trust Co. | Bank | Chestertown, MD | 3 | $12.7M | |
| Market USA Credit Union | Credit union | Laurel, MD | 2 | $8.79M | |
| Bull Dog Credit Union | Credit union | Hagerstown, MD | 6 | $7.88M | +10.6% |
| Prince George's Community Credit Union | Credit union | Bowie, MD | 4 | $5.54M | |
| Nymeo Credit Union | Credit union | Frederick, MD | 4 | $3.05M |
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Self Reliance Financial Credit Union | Credit union | New York, NY | 1 | $189M |
| Patriot Credit Union | Credit union | Chambersburg, PA | 3 | $66.0M |
| Citizens Bank of West Virginia, Inc. | Bank | Elkins, WV | 1 | $55.7M |
| Hanscom Credit Union | Credit union | Hanscom AFB, MA | 7 | $48.7M |
| Jefferson Security Bank | Bank | Shepherdstown, WV | 1 | $37.0M |
| Northwest Credit Union | Credit union | Herndon, VA | 1 | $16.6M |
| Agriculture Credit Union | Credit union | Merrifield, VA | 1 | $6.17M |
| Democracy Credit Union | Credit union | Alexandria, VA | 1 | $5.65M |
| Ardent Credit Union | Credit union | Phila, PA | 1 | $4.33M |
- 10 of these lenders are based in Maryland, and 9 are based elsewhere with offices here. FDIC call report,
- These lenders: 4 banks, 1 savings institution and 14 credit unions. FDIC call report,
- Lenders based in Maryland hold $205.2M of small-balance commercial real estate loans, up 11.5% from a year earlier among the 7 of 10 with a comparable earlier filing. FDIC call report,
- The five largest books based here hold 81.5% of that total. FDIC call report,
- Woodsboro Bank holds $71M, and First Peoples Community Credit Union holds $34.2M. FDIC call report,
- The median book among lenders based in Maryland is $19.1M. FDIC call report,
- 1 lender based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- These lenders list 64 offices in Maryland. FDIC office list,
- Hanscom Credit Union, based in Massachusetts, 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 $640K. NCUA 5300,
- Bull Dog Credit Union grew this book the most in the year, up 10.6% to $7.9M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in Maryland
- 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 Maryland. 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 Maryland. 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.