HIGHBuilt-inLoan_portfolio
77.4%
commercial real estate and commercial loans
“10-K Item 1A: 'Our commercial real estate and commercial loan and lease portfolios, including equipment leases, currently comprise 77.4% of total loans and leases'”
BBT · Concentration risk · 10-K extracted
Beacon Financial (BBT) concentration risks
Updated
The most significant concentration Beacon Financial discloses is commercial real estate and commercial loans at 77.4%, 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: Beacon Financial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH3
MEDIUM0
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-inGeographic
New England and New York
“10-K Item 1: 'As a full-service financial institution with 147 banking offices throughout New England and New York'”
HIGHBuilt-inRegulatory
FRB
“10-K Item 1: 'The FRB is also the primary federal regulator of the Bank'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile reflects three interlocking structural features of a regional commercial bank. The most quantifiable is the loan mix: commercial real estate and commercial loans and leases, including equipment leases, currently comprise 77.4% of total loans and leases — a high share by disclosed size. This is a structural exposure rather than an idiosyncratic one; commercial lending is the company's core business model, and the weighting reflects deliberate product-line strategy. It does, however, mean credit-quality outcomes are tightly levered to commercial real estate market conditions and business cycle dynamics. Geographic concentration is the second structural layer: the institution operates 147 banking offices throughout New England and New York, a high-share footprint limited to a single regional corridor. Regional economic slowdowns, local commercial real estate stress, or weather-related disruptions would concentrate the impact on this lender more than on nationally diversified peers. The third structural feature is the regulatory relationship with the Federal Reserve Board as primary federal regulator of the bank — a high-share structural constraint governing capital requirements, dividend capacity, and examination outcomes. Taken together, the three exposures are mutually reinforcing: a regionally concentrated commercial lender operating under a single primary federal regulator. None of these is easily restructured in the short term; all three are worth monitoring in tandem with regional economic indicators.
For the engine’s reasoning on BBT’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 |
|---|---|---|---|---|---|
| BBT● | Beacon Financial Corporation | 3 | 0 | 0 | 3 |
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| 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.