Updated
The most significant concentration Greene County Bancorp discloses is Greene, Columbia, Albany, Ulster, Rensselaer and Saratoga Counties of New York, classified MEDIUM 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.
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Source: Greene County Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
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).
“10-K Item 1: 'The primary market areas the Company serves is the Greene, Columbia, Albany, Ulster, Rensselaer and Saratoga Counties of New York State.'”
“10-K Item 1: 'revenues are derived principally from the interest on its residential and commercial real estate mortgages'”
Greene County Bancorp's disclosed concentrations are structural and reinforce each other, both of medium share. Its primary market area is Greene, Columbia, Albany, Ulster, Rensselaer and Saratoga Counties of New York State, so deposits, borrowers, and collateral values are tied to the economic health of a defined regional footprint. Local employment, property values, and regional events can therefore affect the bank's results more than national trends would. On the earnings side, revenues are derived principally from the interest on its residential and commercial real estate mortgages. That makes the loan book dependent on real estate collateral and on the interest-rate environment, which shapes both net interest margin and credit quality. Taken together, the two exposures compound: the mortgages are secured by property located in the same counties, so a regional real estate downturn would hit the income source and the underlying collateral at the same time. Neither disclosure involves a named counterparty, and the sources give no percentages, so the exact weight of each cannot be quantified. The profile is characteristic of a community bank, with concentration that is straightforward, well-disclosed, and macro-regional rather than idiosyncratic.
For the engine’s reasoning on GCBC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| GCBC● | Greene County Bancorp, Inc. | 0 | 2 | 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.