Small-Balance CRE · TX
Small-Balance CRE lenders in Texas
167 lenders with an office in Texas hold small-balance commercial real estate loans on their books. Citizens State Bank, based in Texas, holds the largest book among those based here, at $123M.
- 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 Texas
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 167
- FDIC call report,
- Based here
- 148
- FDIC call report,
- Held by those based here
- $2.41B
- FDIC call report,
- Median book, based here
- $10.6M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in Texas, https://lender.report/small-balance-cre-lenders/texas/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Citizens State Bank | Bank | Somerville, TX | 7 | $123M | |
| Austin Telco Credit Union | Credit union | Austin, TX | 24 | $110M | +5.2% |
| The First National Bank of East Texas | Bank | Gilmer, TX | 12 | $101M | |
| First State Bank | Bank | Clute, TX | 3 | $80.8M | |
| Alliance Credit Union | Credit union | Lubbock, TX | 16 | $76.4M | +90.4% |
| A+ Credit Union | Credit union | Austin, TX | 22 | $73.5M | +14.0% |
| Round Top State Bank | Bank | Round Top, TX | 7 | $72.4M | |
| The First State Bank | Bank | Louise, TX | 15 | $66.1M | |
| Maverick Bank | Bank | Fort Davis, TX | 9 | $52.7M | |
| The Liberty National Bank in Paris | Bank | Paris, TX | 2 | $47.9M | |
| Primeway Credit Union | Credit union | Houston, TX | 7 | $43.8M | +28.7% |
| First Federal Community Bank, SSB | Savings | Paris, TX | 4 | $37.3M | |
| The National Bank of Andrews | Bank | Andrews, TX | 4 | $37.0M | |
| The Bank and Trust, S.S.B. | Bank | Del Rio, TX | 9 | $35.6M | |
| 1st Community Credit Union | Credit union | San Angelo, TX | 11 | $34.9M | +25.4% |
| Greater State Bank | Bank | Mcallen, TX | 6 | $31.9M | |
| First National Bank of Huntsville | Bank | Huntsville, TX | 5 | $31.3M | |
| Amplify Credit Union | Credit union | Austin, TX | 5 | $31.2M | |
| Greater Texas Credit Union | Credit union | Austin, TX | 16 | $29.1M | |
| Crossroads Bank | Bank | Yoakum, TX | 4 | $28.9M |
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Gulf Coast Bank and Trust Company | Bank | New Orleans, LA | 4 | $311M |
| Altra Credit Union | Credit union | Onalaska, WI | 4 | $80.0M |
| Together Credit Union | Credit union | Saint Louis, MO | 2 | $60.8M |
| Bayer Heritage Credit Union | Credit union | New Martinsville, WV | 1 | $58.9M |
| Ameristate Bank | Bank | Atoka, OK | 2 | $52.1M |
| Truity Credit Union | Credit union | Bartlesville, OK | 2 | $37.6M |
| Energy One Credit Union | Credit union | Tulsa, OK | 3 | $34.1M |
| City Bank & Trust Co. | Bank | Natchitoches, LA | 1 | $32.2M |
| Barksdale Credit Union | Credit union | Barksdale Afb, LA | 3 | $30.1M |
| First Texoma National Bank | Bank | Durant, OK | 1 | $22.6M |
- 148 of these lenders are based in Texas, and 19 are based elsewhere with offices here. FDIC call report,
- These lenders: 120 banks, 9 savings institutions and 38 credit unions. FDIC call report,
- Lenders based in Texas hold $2.4B of small-balance commercial real estate loans. FDIC call report,
- The five largest books based here hold 20.4% of that total. FDIC call report,
- Citizens State Bank holds $123M, and Austin Telco Credit Union holds $110M. FDIC call report,
- The median book among lenders based in Texas is $10.6M. FDIC call report,
- 11 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 652 offices in Texas. FDIC office list,
- Gulf Coast Bank and Trust Company, based in Louisiana, lists the most offices here among out-of-state lenders, at 4. FDIC office list,
- Among credit unions here, the median average loan in this category is $632K. NCUA 5300,
- Alliance Credit Union grew this book the most in the year, up 90.4% to $76.4M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in Texas
- 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 Texas. 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 Texas. 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.