Small-Balance CRE · NY
Small-Balance CRE lenders in New York
68 lenders with an office in New York hold small-balance commercial real estate loans on their books. Self Reliance Financial Credit Union, based in New York, holds the largest book among those based here, at $188.8M.
- 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 New York
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 68
- FDIC call report,
- Based here
- 60
- FDIC call report,
- Held by those based here
- $1.34B
- FDIC call report,
- +22.1% from a year earlier, 30 of 60 lenders
- Median book, based here
- $12.3M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in New York, https://lender.report/small-balance-cre-lenders/new-york/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Self Reliance Financial Credit Union | Credit union | New York, NY | 5 | $189M | +79.7% |
| The Lyons National Bank | Bank | Lyons, NY | 17 | $136M | |
| Empire State Bank | Bank | Staten Island, NY | 7 | $119M | |
| Mid-Hudson Valley Credit Union | Credit union | Kingston, NY | 14 | $71.9M | +11.1% |
| Corning Credit Union | Credit union | Corning, NY | 11 | $68.4M | |
| American Community Bank | Bank | Glen Cove, NY | 6 | $52.2M | |
| First National Bank of Scotia | Bank | Scotia, NY | 10 | $46.9M | |
| Alden State Bank | Bank | Alden, NY | 3 | $39.5M | |
| First Source Credit Union | Credit union | New Hartford, NY | 6 | $37.3M | |
| Wallkill Valley Federal Savings and Loan Association | Savings | Wallkill, NY | 9 | $35.2M | |
| The Upstate National Bank | Bank | Ogdensburg, NY | 4 | $34.9M | |
| Seneca Savings Bank, National Association | Bank | Baldwinsville, NY | 5 | $32.2M | |
| Tioga State Bank National Association | Bank | Spencer, NY | 10 | $32.0M | |
| Rondout Savings Bank | Savings | Kingston, NY | 5 | $30.7M | |
| Bank of Millbrook | Bank | Millbrook, NY | 5 | $26.9M | |
| Ocean Financial Credit Union | Credit union | Oceanside, NY | 5 | $24.5M | |
| Savannah Bank National Association | Bank | Savannah, NY | 5 | $20.5M | |
| First New York Credit Union | Credit union | Albany, NY | 9 | $19.7M | +11.8% |
| TEG Credit Union | Credit union | Poughkeepsie, NY | 9 | $18.6M | +10.6% |
| Bank of Utica | Bank | Utica, NY | 1 | $18.1M |
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Emigrant Bank | Bank | Miami, FL | 5 | $364M |
| Centra Credit Union | Credit union | Columbus, IN | 1 | $138M |
| Together Credit Union | Credit union | Saint Louis, MO | 1 | $60.8M |
| Heritage Family Credit Union | Credit union | Rutland, VT | 1 | $19.1M |
| Hamlin Bank and Trust Company | Bank | Smethport, PA | 1 | $18.2M |
| Greylock Credit Union | Credit union | Pittsfield, MA | 1 | $16.0M |
| North Country Credit Union | Credit union | Burlington, VT | 1 | $14.3M |
| General Electric Employees Credit Union | Credit union | Milford, CT | 1 | $3.51M |
- 60 of these lenders are based in New York, and 8 are based elsewhere with offices here. FDIC call report,
- These lenders: 22 banks, 9 savings institutions and 37 credit unions. FDIC call report,
- Lenders based in New York hold $1.3B of small-balance commercial real estate loans, up 22.1% from a year earlier among the 30 of 60 with a comparable earlier filing. FDIC call report,
- The five largest books based here hold 43.5% of that total. FDIC call report,
- Self Reliance Financial Credit Union holds $188.8M, and The Lyons National Bank holds $136M. FDIC call report,
- The median book among lenders based in New York is $12.3M. FDIC call report,
- 15 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- 3 lenders based here hold $100M or more of it. FDIC call report,
- These lenders list 340 offices in New York. FDIC office list,
- Emigrant Bank, based in Florida, lists the most offices here among out-of-state lenders, at 5. FDIC office list,
- Among credit unions here, the median average loan in this category is $497K. NCUA 5300,
- SJP Credit Union grew this book the most in the year, up 85.2% to $12.4M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in New York
- 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 New York. 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 New York. 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.