HIGHBuilt-inRegulatory
OCC
“10-K Item 1: 'As a national bank, BankUnited is subject to ongoing and comprehensive supervision, regulation, examination and enforcement by the OCC'”
BKU · Concentration risk · 10-K extracted
BankUnited (BKU) concentration risks
Updated
The most significant concentration BankUnited discloses is OCC, 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: BankUnited’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH1
MEDIUM2
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).
MEDIUMBuilt-inGeographic
Florida and New York Tri-State area
“10-K Item 1A: 'our business is currently concentrated in Florida and the New York tri-state area'”
MEDIUMBuilt-inLoan_portfolio
loans secured by real estate
“10-K Item 1A: 'A material portion of our loans are secured by residential or commercial real estate'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile reflects the structural operating framework of a regionally focused commercial bank supervised by a single primary federal regulator. The most prominent feature is the regulatory dimension: as a national bank, the institution is subject to ongoing and comprehensive supervision, regulation, examination, and enforcement by the OCC — a high-share structural exposure. The OCC's authority governs capital requirements, dividend capacity, permissible activities, and examination outcomes; the concentration in a single primary federal supervisor means any significant regulatory examination finding or enforcement action flows through the institution without dilution across multiple regulatory relationships. The geographic footprint is moderate in disclosed size and structural in character: the business is currently concentrated in Florida and the New York tri-state area, two markets with distinct economic drivers — Florida's growth-oriented demographic trends contrast with the more mature credit dynamics of the New York metro market. While the two-market focus provides more diversification than a single-state community bank, it still ties results more closely to these two regional economies than a nationally dispersed institution would face. Layered on the geography is a moderate loan-portfolio exposure: a material portion of loans are secured by residential or commercial real estate, creating sensitivity to property values and transaction volumes in the company's core operating markets. This real-estate linkage amplifies the geographic concentration — a regional real estate downturn in Florida or New York would affect both property values and loan credit quality simultaneously. Together the three structural exposures are mutually reinforcing, and they are typical for a regionally focused bank of this type. The OCC regulatory dependency and real estate loan linkage are the most consequential dimensions to monitor.
For the engine’s reasoning on BKU’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 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| BKU● | BankUnited, Inc. | 1 | 2 | 0 | 3 |
| 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.