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Small-Balance CRE · OH

Small-Balance CRE lenders in Ohio

159 lenders with an office in Ohio hold small-balance commercial real estate loans on their books. First Federal Community Bank, National Association, based in Ohio, holds the largest book among those based here, at $116.5M.

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 Ohio
Data as of
June 30, 2026
Page last changed
November 11, 2026
Lenders with an office here
159
FDIC call report,
Based here
147
FDIC call report,
Held by those based here
$3.00B
FDIC call report,
Median book, based here
$14.1M
FDIC call report,

Cite this

Source: The Lender Report, Small-Balance CRE lenders in Ohio, https://lender.report/small-balance-cre-lenders/ohio/, data as of June 30, 2026.

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Lenders based in Ohio, by book held. First 20 of 147.
LenderKindBased inOffices hereHoldsGrowth, 12 months
First Federal Community Bank, National AssociationBankDover, OH8$117M
Kemba Financial Credit UnionCredit unionGahanna, OH13$109M+8.1%
The Vinton County National BankBankMcarthur, OH17$99.1M
Kemba Credit UnionCredit unionWest Chester, OH11$96.4M+16.3%
The Merchants National BankBankHillsboro, OH17$91.1M
The Genoa Banking CompanyBankGenoa, OH9$79.9M
Portage Community BankBankRavenna, OH4$77.3M
Farmers & Merchants BankBankMiamisburg, OH5$73.6M
The Community BankBankZanesville, OH10$63.2M
The Old Fort Banking CompanyBankOld Fort, OH11$60.5M
Day Air Credit UnionCredit unionKettering, OH5$52.6M
Oucu Financial Credit Union, Inc.Credit unionAthens, OH5$49.2M
New Carlisle Federal Savings BankSavingsNew Carlisle, OH2$47.7M
Pathways Financial Credit UnionCredit unionColumbus, OH13$47.3M+5.5%
North Valley BankBankZanesville, OH10$46.0M
Ih Credit Union, Inc.Credit unionSpringfield, OH5$43.8M+9.4%
The First National Bank of BellevueBankBellevue, OH9$43.6M
Hometown BankBankKent, OH5$42.9M
Buckeye Community BankBankElyria, OH2$40.4M
The Fort Jennings State BankBankFort Jennings, OH7$39.3M
FDIC call report,

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Based elsewhere, with offices in Ohio. First 10 of 12.
LenderKindBased inOffices hereHolds, nationwide
United Credit UnionCredit unionSt Joseph, MI1$111M
Together Credit UnionCredit unionSaint Louis, MO1$60.8M
Bayer Heritage Credit UnionCredit unionNew Martinsville, WV1$58.9M
Three Rivers Credit UnionCredit unionFort Wayne, IN1$51.5M
Everence Credit UnionCredit unionLancaster, PA1$39.5M
Baxter Credit UnionCredit unionVernon Hills, IL1$37.7M
Cornerstone Community Financial Credit UnionCredit unionAuburn Hills, MI2$31.0M
Kentucky Farmers Bank CorporationBankCatlettsburg, KY1$15.6M
Partners 1st Credit UnionCredit unionFort Wayne, IN1$11.9M
Ukrainian Credit UnionCredit unionRochester, NY1$7.65M
FDIC call report,
  • 147 of these lenders are based in Ohio, and 12 are based elsewhere with offices here. FDIC call report,
  • These lenders: 67 banks, 20 savings institutions and 72 credit unions. FDIC call report,
  • Lenders based in Ohio hold $3B of small-balance commercial real estate loans. FDIC call report,
  • The five largest books based here hold 17.1% of that total. FDIC call report,
  • First Federal Community Bank, National Association holds $116.5M, and Kemba Financial Credit Union holds $109.3M. FDIC call report,
  • The median book among lenders based in Ohio is $14.1M. FDIC call report,
  • 19 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
  • 2 lenders based here hold $100M or more of it. FDIC call report,
  • These lenders list 772 offices in Ohio. FDIC office list,
  • Cornerstone Community Financial Credit Union, based in Michigan, lists the most offices here among out-of-state lenders, at 2. FDIC office list,
  • Among credit unions here, the median average loan in this category is $239K. NCUA 5300,
  • OC Credit Union grew this book the most in the year, up 85.4% to $31.4M. FDIC call report,

How this list is defined

Measure
small-balance commercial real estate loans held by lenders with an office in Ohio
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 Ohio. 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
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 Ohio. 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.