MEDIUMBuilt-inGeographic
Hudson Valley and Capital District Regions of New York State
“10-K Item 1: 'market area consisting of the Hudson Valley and Capital District Regions of New York State'”
GCBC · Concentration risk · 10-K extracted
Greene County Bancorp (GCBC) concentration risks
Updated
The most significant concentration Greene County Bancorp discloses is Hudson Valley and Capital District Regions of New York State, 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.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Greene County Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH0
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-inLoan_portfolio
residential and commercial real estate mortgages
“10-K Item 1: 'revenues are derived principally from the interest on its residential and commercial real estate mortgages'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-10-04Greene County Bancorp's disclosed concentrations are both structural and medium-share, and they compound one another. Its market area consists of the Hudson Valley and Capital District Regions of New York State, so deposits, loan demand and credit quality are tied to the economy, real estate values and employment of one region instead of a national footprint. On the asset side, revenues are derived principally from the interest on its residential and commercial real estate mortgages. That makes earnings dependent on mortgage demand, interest rate spreads and real estate credit performance. The filing gives no percentages for either exposure, so the sizes are described only by their bands. Taken together, the bank has a concentrated regional real estate lending franchise: a downturn in local property markets would affect both the geography and the loan book at once. These are structural features of a community bank model rather than counterparty dependencies, so they are slow-moving and well understood, and the main monitoring points are regional real estate conditions and credit quality trends.
For the engine’s reasoning on GCBC’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 |
|---|---|---|---|---|---|
| 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.