HIGHBuilt-inGeographic
87.8%
Missouri and other Primary Markets
“10-K Item 1A: '87.8% of our loans were to borrowers who resided or organized in Missouri and our other Primary Markets'”
CBC · Concentration risk · 10-K extracted
Central Bancompany (CBC) concentration risks
Updated
The most significant concentration Central Bancompany discloses is Missouri and other Primary Markets at 87.8%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Central Bancompany’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH2
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
79%
real estate loans
“10-K Item 1A: 'our real estate loans represented approximately $9.0 billion, or 79.0% of our total loans held for investment portfolio'”
MEDIUMBuilt-inLoan_portfolio
46.4%
commercial real estate and construction and development loans
“10-K Item 1A: 'our commercial real estate and construction and development loans were $5.3 billion...at approximately 46.4% of our total loans held for investment portfolio'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's concentration profile is that of a regionally focused community bank with three interlocking structural exposures. The broadest is geographic: 87.8% of loans were to borrowers who resided or were organized in Missouri and the company's other primary markets — a high-share geographic concentration by disclosed size that is structural in character. The loan book is overwhelmingly regional, meaning local economic conditions, employment trends, and property markets in those states drive the credit outcomes of the overwhelming majority of the portfolio. Within that geographic footprint, the loan book is heavily tilted toward real estate: real estate loans represented approximately $9.0 billion, or 79.0% of the total loans held for investment portfolio — a high-share product concentration, also structural. This level of real estate exposure means the portfolio's credit quality is tightly correlated with regional property values and the ability of borrowers to refinance or service loans backed by real estate collateral. Drilling further, commercial real estate and construction and development loans stood at approximately 46.4% of the total loans held for investment portfolio — a medium-share sub-segment concentration within the broader real estate book, structural in character. Commercial real estate and construction loans are generally considered higher-risk within a bank loan portfolio because of their sensitivity to occupancy rates, project completion risk, and refinancing conditions. The three exposures compound rather than offset each other: a regional bank primarily lending in Missouri and nearby states, predominantly into real estate, with a meaningful slice in commercial real estate and construction. A regional real estate downturn would simultaneously stress the geographic, product-type, and sub-segment concentrations at once.
For the engine’s reasoning on CBC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| CBC● | Central Bancompany, Inc. | 2 | 1 | 0 | 3 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.