HIGHBuilt-inLoan_portfolio
56%
commercial and CRE loans
“10-K Item 1A: 'approximately 56% of the Company's loan portfolio consisted of commercial and industrial, agricultural, commercial construction and CRE loans'”
NBTB · Concentration risk · 10-K extracted
NBT Bancorp (NBTB) concentration risks
Updated
The most significant concentration NBT Bancorp discloses is commercial and CRE loans at 56%, 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: NBT Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH1
MEDIUM1
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
upstate New York
“10-K Item 1A: 'Unlike larger national or other regional banks... the Company provides banking and financial services to customers primarily in the upstate New York areas'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's concentration profile spans both the loan portfolio composition and a geographic footprint, with the loan-side exposure carrying the higher disclosed share. Approximately 56% of the loan portfolio consisted of commercial and industrial, agricultural, commercial construction, and commercial real estate loans — a high-share structural exposure by disclosed size. The character is structural: this composition reflects a deliberate focus on business and commercial lending rather than a dependency on any individual borrower, and it is consistent with the typical profile of a regional community bank. The practical implication is that a credit cycle deterioration affecting commercial real estate or business lending would affect a large portion of the loan book simultaneously. The geographic exposure compounds this picture: the company provides banking and financial services primarily in the upstate New York areas, a medium-share structural exposure by disclosed size. Operating in a defined regional market means the credit quality and deposit stability of the portfolio are tied to the economic health of that specific geography. Unlike larger national or other regional banks with broader footprints, idiosyncratic regional downturns — whether driven by an employer relocation, housing stress, or local recessionary pressure — could move the credit metrics more sharply than a geographically diversified bank would experience. Together, the two structural exposures reinforce each other: a commercial-heavy loan book in a single regional market. Both are well-disclosed and characteristic of the community banking model, but they leave limited buffer against a simultaneous regional and commercial credit stress.
For the engine’s reasoning on NBTB’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 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| NBTB● | NBT Bancorp 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.