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Small-Balance CRE · TN

Small-Balance CRE lenders in Tennessee

71 lenders with an office in Tennessee hold small-balance commercial real estate loans on their books. Y-12 Credit Union, based in Tennessee, holds the largest book among those based here, at $295M.

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 Tennessee
Data as of
June 30, 2026
Page last changed
November 11, 2026
Lenders with an office here
71
FDIC call report,
Based here
57
FDIC call report,
Held by those based here
$1.74B
FDIC call report,
Median book, based here
$17.2M
FDIC call report,

Cite this

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

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Lenders based in Tennessee, by book held. First 20 of 57.
LenderKindBased inOffices hereHoldsGrowth, 12 months
Y-12 Credit UnionCredit unionOak Ridge, TN18$295M+57.6%
One Bank of TennesseeBankCookeville, TN20$178M
Tennessee Valley Credit UnionCredit unionChattanooga, TN22$110M+3.5%
Enrichment Credit UnionCredit unionOak Ridge, TN9$67.5M+21.3%
Andrew Johnson BankBankGreeneville, TN8$58.4M
TnbankBankOak Ridge, TN6$53.7M
Commercial Bank & Trust Co.BankParis, TN10$51.7M
Southeast Financial Credit UnionCredit unionFranklin, TN10$50.9M+2.7%
Carroll Bank and TrustBankHuntingdon, TN10$50.6M
Heritage Bank & TrustBankColumbia, TN5$49.3M
Peoples Bank of East TennesseeBankMadisonville, TN11$49.2M
BankTennesseeBankCollierville, TN11$43.7M
Wayne County BankBankWaynesboro, TN8$42.9M
Community BankBankLexington, TN4$39.4M
Peoples Bank of the SouthBankLa Follette, TN3$33.5M
First Farmers & Commercial BankBankPikeville, TN4$32.0M
UBankBankKnoxville, TN2$31.3M
Greeneville Federal Bank, FSBSavingsGreeneville, TN3$29.7M
The First National Bank of OneidaBankOneida, TN4$27.8M
Consumer Credit UnionCredit unionGreeneville, TN8$26.9M+35.7%
FDIC call report,

See all 71 small-balance CRE lenders in Tennessee in Search

Based elsewhere, with offices in Tennessee. First 10 of 14.
LenderKindBased inOffices hereHolds, nationwide
Community Bank of MississippiBankFlowood, MS1$389M
Gulf Coast Bank and Trust CompanyBankNew Orleans, LA1$311M
Skyline National BankBankIndependence, VA1$151M
Listerhill Credit UnionCredit unionSheffield, AL2$111M
New Peoples Bank, Inc.BankHonaker, VA1$109M
Evolve Bank & TrustBankWest Memphis, AR3$81.4M
Altra Credit UnionCredit unionOnalaska, WI2$80.0M
Powell Valley National BankBankJonesville, VA1$66.7M
Hearthside Bank CorporationBankMiddlesboro, KY4$35.2M
First Community Bank of the Heartland, Inc.BankClinton, KY6$30.4M
FDIC call report,
  • 57 of these lenders are based in Tennessee, and 14 are based elsewhere with offices here. FDIC call report,
  • These lenders: 49 banks, 4 savings institutions and 18 credit unions. FDIC call report,
  • Lenders based in Tennessee hold $1.7B of small-balance commercial real estate loans. FDIC call report,
  • The five largest books based here hold 40.8% of that total. FDIC call report,
  • Y-12 Credit Union holds $295M, and One Bank of Tennessee holds $178.4M. FDIC call report,
  • The median book among lenders based in Tennessee is $17.2M. FDIC call report,
  • 5 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
  • 3 lenders based here hold $100M or more of it. FDIC call report,
  • These lenders list 362 offices in Tennessee. FDIC office list,
  • First Community Bank of the Heartland, Inc., based in Kentucky, lists the most offices here among out-of-state lenders, at 6. FDIC office list,
  • Among credit unions here, the median average loan in this category is $406K. NCUA 5300,
  • Y-12 Credit Union grew this book the most in the year, up 57.6% to $295M. FDIC call report,

How this list is defined

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