Small-Balance CRE · ND
Small-Balance CRE lenders in North Dakota
41 lenders with an office in North Dakota hold small-balance commercial real estate loans on their books. Capital Credit Union, based in North Dakota, holds the largest book among those based here, at $73.9M.
- 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 Dakota
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 41
- FDIC call report,
- Based here
- 37
- FDIC call report,
- Held by those based here
- $465M
- FDIC call report,
- Median book, based here
- $5.29M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in North Dakota, https://lender.report/small-balance-cre-lenders/north-dakota/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Capital Credit Union | Credit union | Bismarck, ND | 12 | $73.9M | +6.1% |
| Town and Country Credit Union | Credit union | Minot, ND | 10 | $71.2M | |
| Kirkwood Bank & Trust Co. | Bank | Bismarck, ND | 4 | $63.9M | |
| Dakota Heritage Bank | Bank | Hunter, ND | 10 | $24.2M | |
| Security First Bank of North Dakota | Bank | New Salem, ND | 5 | $22.0M | |
| The Union Bank | Bank | Beulah, ND | 6 | $17.9M | |
| Aspire Bank | Bank | Fargo, ND | 2 | $16.1M | |
| Peoples State Bank of Velva | Bank | Velva, ND | 2 | $14.2M | |
| TruCommunity Bank | Bank | Garrison, ND | 4 | $13.6M | |
| Railway Credit Union | Credit union | Mandan, ND | 3 | $12.1M | |
| Dakota West Credit Union | Credit union | Watford City, ND | 8 | $11.6M | |
| Union State Bank of Hazen | Bank | Hazen, ND | 4 | $11.3M | |
| The Goose River Bank | Bank | Mayville, ND | 3 | $10.4M | |
| Stock Growers Bank | Bank | Forman, ND | 6 | $8.80M | |
| Dakota Western Bank | Bank | Bowman, ND | 5 | $8.36M | |
| First Security Bank - West | Bank | Beulah, ND | 2 | $7.00M | |
| State Bank & Trust of Kenmare | Bank | Kenmare, ND | 3 | $6.07M | |
| Horizon Financial Bank | Bank | Munich, ND | 5 | $5.91M | |
| Lincoln State Bank | Bank | Hankinson, ND | 3 | $5.29M | |
| State Bank of Bottineau | Bank | Bottineau, ND | 1 | $5.26M |
See all 41 small-balance CRE lenders in North Dakota in Search
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Credit Union 1 | Credit union | Lombard, IL | 1 | $738M |
| Magnifi Financial Credit Union | Credit union | Melrose, MN | 2 | $318M |
| Empeople Credit Union | Credit union | Moline, IL | 3 | $40.7M |
| Hometown Community Bank | Bank | Cyrus, MN | 2 | $20.5M |
- 37 of these lenders are based in North Dakota, and 4 are based elsewhere with offices here. FDIC call report,
- These lenders: 31 banks and 10 credit unions. FDIC call report,
- Lenders based in North Dakota hold $465M of small-balance commercial real estate loans. FDIC call report,
- The five largest books based here hold 54.9% of that total. FDIC call report,
- Capital Credit Union holds $73.9M, and Town and Country Credit Union holds $71.2M. FDIC call report,
- The median book among lenders based in North Dakota is $5.3M. 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 147 offices in North Dakota. FDIC office list,
- Empeople Credit Union, based in Illinois, lists the most offices here among out-of-state lenders, at 3. FDIC office list,
- Among credit unions here, the median average loan in this category is $690K. NCUA 5300,
- Capital Credit Union grew this book the most in the year, up 6.1% to $73.9M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in North Dakota
- 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 Dakota. 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 Dakota. 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.