Small-Balance CRE · MT
Small-Balance CRE lenders in Montana
32 lenders with an office in Montana hold small-balance commercial real estate loans on their books. Farmers State Bank, based in Montana, holds the largest book among those based here, at $83.5M.
- 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 Montana
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 32
- FDIC call report,
- Based here
- 27
- FDIC call report,
- Held by those based here
- $574M
- FDIC call report,
- Median book, based here
- $13.8M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in Montana, https://lender.report/small-balance-cre-lenders/montana/, data as of June 30, 2026.
Describe a deal in Montana
See which of these lenders made loans like yours, at your size and in your place. No account and no form.
Show small-balance CRE loans in MontanaOn this list? Find your page
| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Farmers State Bank | Bank | Victor, MT | 11 | $83.5M | |
| First Montana Bank, Inc. | Bank | Missoula, MT | 10 | $73.9M | |
| Freedom Bank | Bank | Columbia Falls, MT | 1 | $57.0M | |
| Little Horn State Bank | Bank | Hardin, MT | 2 | $53.6M | |
| Bank of Bridger, National Association | Bank | Bridger, MT | 8 | $43.1M | |
| Whitefish Credit Union Association | Credit union | Whitefish, MT | 9 | $34.4M | |
| Bank of The Rockies | Bank | Helena, MT | 7 | $29.0M | |
| Citizens Bank & Trust Company | Bank | Big Timber, MT | 2 | $26.3M | |
| Valley Bank of Kalispell | Bank | Kalispell, MT | 3 | $25.2M | |
| Valley Financial Credit Union | Credit union | Billings, MT | 11 | $23.6M | +37.6% |
| Eagle Bank | Bank | Polson, MT | 1 | $19.0M | |
| Bank of Bozeman | Bank | Bozeman, MT | 1 | $16.4M | |
| Ascent Bank | Bank | Helena, MT | 2 | $15.9M | |
| First State Bank of Forsyth | Bank | Forsyth, MT | 1 | $13.8M | |
| The Bank of Baker | Bank | Baker, MT | 1 | $8.80M | |
| SKY Credit Union | Credit union | Livingston, MT | 6 | $7.98M | +16.1% |
| First Security Bank of Deer Lodge | Bank | Deer Lodge, MT | 1 | $6.03M | |
| Bank of Montana | Bank | Missoula, MT | 1 | $5.90M | |
| Belt Valley Bank | Bank | Belt, MT | 1 | $5.78M | |
| Garfield County Bank | Bank | Jordan, MT | 2 | $5.33M |
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Frontier Credit Union | Credit union | Idaho Falls, ID | 1 | $18.1M |
| Horizon Credit Union | Credit union | Spokane Valley, WA | 6 | $16.9M |
| Flanagan State Bank | Bank | Flanagan, IL | 1 | $15.9M |
| Summit National Bank | Bank | Hulett, WY | 1 | $6.41M |
| Merchants Bank | Bank | Rugby, ND | 1 | $5.25M |
- 27 of these lenders are based in Montana, and 5 are based elsewhere with offices here. FDIC call report,
- These lenders: 24 banks and 8 credit unions. FDIC call report,
- Lenders based in Montana hold $573.9M of small-balance commercial real estate loans. FDIC call report,
- The five largest books based here hold 54.2% of that total. FDIC call report,
- Farmers State Bank holds $83.5M, and First Montana Bank, Inc. holds $73.9M. FDIC call report,
- The median book among lenders based in Montana is $13.8M. FDIC call report,
- 2 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- These lenders list 108 offices in Montana. FDIC office list,
- Horizon Credit Union, based in Washington, 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 $473K. NCUA 5300,
- Valley Financial Credit Union grew this book the most in the year, up 37.6% to $23.6M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in Montana
- 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 Montana. 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 Montana. 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.