Small-Balance CRE · NC
Small-Balance CRE lenders in North Carolina
41 lenders with an office in North Carolina hold small-balance commercial real estate loans on their books. Mechanics & Farmers Bank, based in North Carolina, holds the largest book among those based here, at $61.1M.
- 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 North Carolina
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 41
- FDIC call report,
- Based here
- 25
- FDIC call report,
- Held by those based here
- $344M
- FDIC call report,
- +3.7% from a year earlier, 13 of 25 lenders
- Median book, based here
- $9.15M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in North Carolina, https://lender.report/small-balance-cre-lenders/north-carolina/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Mechanics & Farmers Bank | Bank | Durham, NC | 8 | $61.1M | |
| Lumbee Guaranty Bank | Bank | Pembroke, NC | 14 | $45.8M | |
| Nantahala Bank & Trust Company | Bank | Franklin, NC | 3 | $37.0M | |
| Summit Credit Union | Credit union | Greensboro, NC | 8 | $26.4M | |
| First Federal Bank | Savings | Dunn, NC | 7 | $21.6M | |
| Roxboro Savings Bank, SSB | Savings | Roxboro, NC | 2 | $18.3M | |
| First Federal Savings Bank of Lincolnton | Savings | Lincolnton, NC | 4 | $16.6M | |
| Telco Community Credit Union | Credit union | Candler, NC | 13 | $15.2M | +12.3% |
| Carolinas Telco Credit Union | Credit union | Charlotte, NC | 7 | $12.4M | |
| Champion Credit Union | Credit union | Canton, NC | 8 | $11.7M | +14.3% |
| Morganton Savings Bank, S.S.B. | Savings | Morganton, NC | 1 | $10.2M | |
| Taylorsville Savings Bank, SSB | Savings | Taylorsville, NC | 3 | $10.1M | |
| Bragg Mutual Credit Union | Credit union | Fayetteville, NC | 4 | $9.15M | |
| First Flight Credit Union | Credit union | Cary, NC | 6 | $7.90M | +64.6% |
| Mountain Credit Union | Credit union | Waynesville, NC | 7 | $7.74M | +16.9% |
| Self-Help Credit Union | Credit union | Durham, NC | 1 | $7.33M | |
| Belmont Savings Bank, SSB | Savings | Belmont, NC | 1 | $6.09M | |
| Duke University Credit Union | Credit union | Durham, NC | 1 | $4.37M | |
| Revity Credit Union | Credit union | Greensboro, NC | 4 | $3.76M | |
| Piedmont Advantage Credit Union | Credit union | Winston Salem, NC | 6 | $2.90M | +11.8% |
See all 41 small-balance CRE lenders in North Carolina in Search
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Skyline National Bank | Bank | Independence, VA | 11 | $151M |
| Centra Credit Union | Credit union | Columbus, IN | 1 | $138M |
| United Credit Union | Credit union | St Joseph, MI | 6 | $111M |
| New Peoples Bank, Inc. | Bank | Honaker, VA | 1 | $109M |
| Corning Credit Union | Credit union | Corning, NY | 6 | $68.4M |
| The Citizens Bank | Bank | Olanta, SC | 1 | $65.9M |
| Select Bank | Bank | Forest, VA | 1 | $58.4M |
| Empeople Credit Union | Credit union | Moline, IL | 3 | $40.7M |
| Baxter Credit Union | Credit union | Vernon Hills, IL | 1 | $37.7M |
| ABNB Credit Union | Credit union | Chesapeake, VA | 2 | $35.1M |
- 25 of these lenders are based in North Carolina, and 16 are based elsewhere with offices here. FDIC call report,
- These lenders: 9 banks, 9 savings institutions and 23 credit unions. FDIC call report,
- Lenders based in North Carolina hold $343.6M of small-balance commercial real estate loans, up 3.7% from a year earlier among the 13 of 25 with a comparable earlier filing. FDIC call report,
- The five largest books based here hold 55.8% of that total. FDIC call report,
- Mechanics & Farmers Bank holds $61.1M, and Lumbee Guaranty Bank holds $45.8M. FDIC call report,
- The median book among lenders based in North Carolina is $9.2M. FDIC call report,
- 5 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- These lenders list 156 offices in North Carolina. FDIC office list,
- Skyline National Bank, based in Virginia, lists the most offices here among out-of-state lenders, at 11. FDIC office list,
- Among credit unions here, the median average loan in this category is $489K. NCUA 5300,
- Mountain Credit Union grew this book the most in the year, up 16.9% to $7.7M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in North Carolina
- 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 North Carolina. 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 North Carolina. 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.