Small-Balance CRE · WV
Small-Balance CRE lenders in West Virginia
48 lenders with an office in West Virginia hold small-balance commercial real estate loans on their books. Freedom Bank, Inc., based in West Virginia, holds the largest book among those based here, at $85.5M.
- 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 West Virginia
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 48
- FDIC call report,
- Based here
- 40
- FDIC call report,
- Held by those based here
- $882M
- FDIC call report,
- Median book, based here
- $17.4M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in West Virginia, https://lender.report/small-balance-cre-lenders/west-virginia/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Freedom Bank, Inc. | Bank | Belington, WV | 9 | $85.5M | |
| Bayer Heritage Credit Union | Credit union | New Martinsville, WV | 5 | $58.9M | +28.5% |
| Pendleton Community Bank, Inc. | Bank | Franklin, WV | 10 | $57.8M | |
| Highlands Bank | Bank | Petersburg, WV | 7 | $57.5M | |
| Citizens Bank of West Virginia, Inc. | Bank | Elkins, WV | 8 | $55.7M | |
| Jefferson Security Bank | Bank | Shepherdstown, WV | 5 | $37.0M | |
| The Bank of Monroe | Bank | Union, WV | 3 | $34.0M | |
| The First National Bank of Williamson | Bank | Williamson, WV | 2 | $33.6M | |
| Community Bank of Parkersburg | Bank | Parkersburg, WV | 4 | $33.1M | |
| FNB Bank, Inc. | Bank | Romney, WV | 6 | $31.5M | |
| The Citizens Bank of Weston | Bank | Weston, WV | 2 | $28.3M | |
| The Poca Valley Bank, Inc. | Bank | Walton, WV | 9 | $27.1M | |
| Guaranty Bank Inc. | Bank | Williamson, WV | 5 | $25.4M | |
| First Exchange Bank | Bank | White Hall, WV | 7 | $24.5M | |
| Williamstown Bank, Inc. | Bank | Williamstown, WV | 4 | $22.5M | |
| West Union Bank | Bank | West Union, WV | 5 | $20.9M | |
| Pioneer Community Bank, Inc. | Bank | Iaeger, WV | 6 | $20.7M | |
| The Bank of Romney | Bank | Romney, WV | 7 | $20.1M | |
| West Virginia Central Credit Union | Credit union | Parkersburg, WV | 3 | $19.7M | +4.7% |
| Mountain Valley Bank, N.A. | Bank | Elkins, WV | 4 | $17.4M |
See all 48 small-balance CRE lenders in West Virginia in Search
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| New Peoples Bank, Inc. | Bank | Honaker, VA | 2 | $109M |
| Patriot Credit Union | Credit union | Chambersburg, PA | 1 | $66.0M |
| First Sentinel Bank | Bank | Richlands, VA | 1 | $34.4M |
| First Peoples Community Credit Union | Credit union | Cumberland, MD | 3 | $34.2M |
| The Farmers Bank and Savings Company | Bank | Pomeroy, OH | 3 | $33.5M |
| Desco Credit Union | Credit union | Portsmouth, OH | 1 | $23.2M |
| Home National Bank | Bank | Racine, OH | 1 | $6.68M |
| First Mutual Bank, FSB | Savings | Belpre, OH | 2 | $1.90M |
- 40 of these lenders are based in West Virginia, and 8 are based elsewhere with offices here. FDIC call report,
- These lenders: 33 banks, 4 savings institutions and 11 credit unions. FDIC call report,
- Lenders based in West Virginia hold $882.5M of small-balance commercial real estate loans. FDIC call report,
- The five largest books based here hold 35.7% of that total. FDIC call report,
- Freedom Bank, Inc. holds $85.5M, and Bayer Heritage Credit Union holds $58.9M. FDIC call report,
- The median book among lenders based in West Virginia is $17.4M. FDIC call report,
- 4 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- These lenders list 195 offices in West Virginia. FDIC office list,
- First Peoples Community Credit Union, based in Maryland, lists the most offices here among out-of-state lenders, at 3. FDIC office list,
- Among credit unions here, the median average loan in this category is $272K. NCUA 5300,
- The United Credit Union grew this book the most in the year, up 45.0% to $13.8M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in West 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 West 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 West 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.