Small-Balance CRE · OK
Small-Balance CRE lenders in Oklahoma
89 lenders with an office in Oklahoma hold small-balance commercial real estate loans on their books. Ameristate Bank, based in Oklahoma, holds the largest book among those based here, at $52.1M.
- 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 Oklahoma
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 89
- FDIC call report,
- Based here
- 86
- FDIC call report,
- Held by those based here
- $1.01B
- FDIC call report,
- Median book, based here
- $7.58M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in Oklahoma, https://lender.report/small-balance-cre-lenders/oklahoma/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Ameristate Bank | Bank | Atoka, OK | 5 | $52.1M | |
| Shamrock Bank, N.A. | Bank | Coalgate, OK | 8 | $46.5M | |
| First Bethany Bank & Trust | Bank | Bethany, OK | 3 | $42.9M | |
| Local Bank | Bank | Hulbert, OK | 7 | $42.1M | |
| The Idabel National Bank | Bank | Idabel, OK | 1 | $41.9M | |
| Truity Credit Union | Credit union | Bartlesville, OK | 2 | $37.6M | +83.3% |
| Oklahoma's Credit Union | Credit union | Oklahoma City, OK | 9 | $36.5M | +6.8% |
| Energy One Credit Union | Credit union | Tulsa, OK | 4 | $34.1M | +32.8% |
| Sooner State Bank | Bank | Tuttle, OK | 7 | $34.1M | |
| Citizens Bank of Ada | Bank | Ada, OK | 3 | $28.3M | |
| The First National Bank & Trust | Bank | Elk City, OK | 3 | $25.8M | |
| Bank of Commerce | Bank | Chelsea, OK | 6 | $25.3M | |
| The Community State Bank | Bank | Poteau, OK | 6 | $25.2M | |
| FirstBank | Bank | Antlers, OK | 10 | $24.9M | |
| First Texoma National Bank | Bank | Durant, OK | 4 | $22.6M | |
| Bank of Hydro | Bank | Hydro, OK | 4 | $20.3M | |
| Welch State Bank of Welch, Okla. | Bank | Welch, OK | 6 | $19.9M | |
| Oklahoma Capital Bank | Bank | Tulsa, OK | 3 | $17.9M | |
| McClain Bank | Bank | Purcell, OK | 4 | $17.5M | |
| Bank of Grand Lake | Bank | Grove, OK | 2 | $17.0M |
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Community National Bank & Trust | Bank | Chanute, KS | 2 | $159M |
| Red River Employees Credit Union | Credit union | Texarkana, TX | 2 | $26.8M |
| Elevate Bank, National Association | Bank | Sedan, KS | 1 | $11.8M |
- 86 of these lenders are based in Oklahoma, and 3 are based elsewhere with offices here. FDIC call report,
- These lenders: 76 banks, 1 savings institution and 12 credit unions. FDIC call report,
- Lenders based in Oklahoma hold $1B of small-balance commercial real estate loans. FDIC call report,
- The five largest books based here hold 22.3% of that total. FDIC call report,
- Ameristate Bank holds $52.1M, and Shamrock Bank, N.A. holds $46.5M. FDIC call report,
- The median book among lenders based in Oklahoma is $7.6M. FDIC call report,
- 8 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- These lenders list 252 offices in Oklahoma. FDIC office list,
- Community National Bank & Trust, based in Kansas, 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 $543K. NCUA 5300,
- Truity Credit Union grew this book the most in the year, up 83.3% to $37.6M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in Oklahoma
- 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 Oklahoma. 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 Oklahoma. 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.