HIGHBuilt-inLoan_portfolio
79.1%
commercial loans
“10-K Item 1A: 'At December 31, 2025, our commercial loans accounted for approximately 79.1% of our total loans.'”
CBK · Concentration risk · 10-K extracted
Commercial Bancgroup (CBK) concentration risks
Updated
The most significant concentration Commercial Bancgroup discloses is commercial loans at 79.1%, 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: Commercial Bancgroup’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH2
MEDIUM1
LOW1
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
59%
CRE loans
“10-K Item 1A: 'As of December 31, 2025, approximately 59% of our loan portfolio consisted of CRE loans.'”
MEDIUMBuilt-inLoan_portfolio
hotels/motels category
“10-K Item 1A: 'the hotels/motels category (which has occasionally exceeded our internal limit of 50% of total risk-based capital), and loans within certain geographic markets makes us vulnerable to adverse conditions in these specific industries and markets.'”
LOWBuilt-inLoan_portfolio
24.8%
owner-occupied CRE loans
“10-K Item 1A: 'Additionally, approximately 24.8% of our CRE loans at December 31, 2025 were owner-occupied CRE loans, which are loans to businesses secured by the businesses' real estate.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Commercial Bancgroup's loan book is heavily weighted toward commercial exposure: commercial loans made up approximately 79.1% of total loans, and within that, CRE loans alone comprised about 59% of the portfolio. Both are structural features of the bank's lending strategy rather than counterparty-specific risk, but their combined share means the bank's fortunes are closely tied to commercial and CRE credit cycles. Within CRE, a specific pocket — the hotels/motels category — has occasionally exceeded the bank's own internal limit of 50% of total risk-based capital, a sector-and-geography-specific vulnerability the filing itself flags as making the bank susceptible to adverse conditions in that industry and in certain geographic markets. Providing some offset, owner-occupied CRE loans — where repayment is tied to a business's own operations rather than pure real estate investment — represent a comparatively modest 24.8% of the CRE book. Taken together, the commercial and CRE concentrations are broadly structural, but the hotels/motels sub-concentration is the one exposure with a more idiosyncratic, sector-specific risk profile layered on top of the bank's already commercial-heavy loan mix.
For the engine’s reasoning on CBK’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 |
|---|---|---|---|---|---|
| CBK● | Commercial Bancgroup, Inc. | 2 | 1 | 1 | 4 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| 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.