Small-Balance CRE · VA
Small-Balance CRE lenders in Virginia
52 lenders with an office in Virginia hold small-balance commercial real estate loans on their books. Freedom First Credit Union, based in Virginia, holds the largest book among those based here, at $180.1M.
- 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 Virginia
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 52
- FDIC call report,
- Based here
- 38
- FDIC call report,
- Held by those based here
- $1.44B
- FDIC call report,
- -1.0% from a year earlier, 19 of 38 lenders
- Median book, based here
- $16.6M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in Virginia, https://lender.report/small-balance-cre-lenders/virginia/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Freedom First Credit Union | Credit union | Roanoke, VA | 15 | $180M | |
| Skyline National Bank | Bank | Independence, VA | 17 | $151M | |
| Bayport Credit Union | Credit union | Newport News, VA | 32 | $146M | |
| First National Bank | Bank | Altavista, VA | 20 | $126M | |
| New Peoples Bank, Inc. | Bank | Honaker, VA | 15 | $109M | |
| Powell Valley National Bank | Bank | Jonesville, VA | 6 | $66.7M | |
| Dupont Community Credit Union | Credit union | Waynesboro, VA | 16 | $64.3M | |
| Select Bank | Bank | Forest, VA | 5 | $58.4M | |
| Oak View National Bank | Bank | Warrenton, VA | 4 | $53.9M | |
| New Horizon Bank, National Association | Bank | Powhatan, VA | 3 | $43.5M | |
| Citizens Bank and Trust Company | Bank | Blackstone, VA | 12 | $39.7M | |
| ABNB Credit Union | Credit union | Chesapeake, VA | 14 | $35.1M | +10.7% |
| First Sentinel Bank | Bank | Richlands, VA | 8 | $34.4M | |
| Argent Credit Union | Credit union | Chesterfield, VA | 9 | $32.8M | +8.9% |
| CornerStone Bank | Bank | Lexington, VA | 4 | $29.7M | |
| Movement Bank | Bank | Danville, VA | 1 | $28.7M | |
| Valleystar Credit Union | Credit union | Martinsville, VA | 7 | $26.5M | |
| CALL Credit Union | Credit union | Glen Allen, VA | 8 | $17.6M | +2.7% |
| Northwest Credit Union | Credit union | Herndon, VA | 14 | $16.6M | |
| Highlands Community Bank | Bank | Covington, VA | 3 | $15.7M |
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Together Credit Union | Credit union | Saint Louis, MO | 1 | $60.8M |
| Pendleton Community Bank, Inc. | Bank | Franklin, WV | 7 | $57.8M |
| Hanscom Credit Union | Credit union | Hanscom AFB, MA | 1 | $48.7M |
| Alero Financial Credit Union | Credit union | Elgin, IL | 1 | $41.6M |
| Everence Credit Union | Credit union | Lancaster, PA | 1 | $39.5M |
| Baxter Credit Union | Credit union | Vernon Hills, IL | 1 | $37.7M |
| FNB Bank, Inc. | Bank | Romney, WV | 1 | $31.5M |
| Capon Valley Bank | Bank | Wardensville, WV | 3 | $16.4M |
| Partners 1st Credit Union | Credit union | Fort Wayne, IN | 5 | $11.9M |
| Department of the Interior Credit Union | Credit union | Washington, DC | 1 | $8.33M |
- 38 of these lenders are based in Virginia, and 14 are based elsewhere with offices here. FDIC call report,
- These lenders: 22 banks and 30 credit unions. FDIC call report,
- Lenders based in Virginia hold $1.4B of small-balance commercial real estate loans, down 1.0% from a year earlier among the 19 of 38 with a comparable earlier filing. FDIC call report,
- The five largest books based here hold 49.5% of that total. FDIC call report,
- Freedom First Credit Union holds $180.1M, and Skyline National Bank holds $151.4M. FDIC call report,
- The median book among lenders based in Virginia is $16.6M. FDIC call report,
- 6 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- 5 lenders based here hold $100M or more of it. FDIC call report,
- These lenders list 320 offices in Virginia. FDIC office list,
- Pendleton Community Bank, Inc., based in West Virginia, lists the most offices here among out-of-state lenders, at 7. FDIC office list,
- Among credit unions here, the median average loan in this category is $545K. NCUA 5300,
- Beacon Credit Union, Incorporated grew this book the most in the year, up 125.2% to $15M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in Virginia
- 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 Virginia. 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 Virginia. 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.