MEDIUMBuilt-inGeographic
Northeast
“10-K Item 1: 'its core footprint spans the Northeast from the New York metropolitan area to Rhode Island and Massachusetts'”
WBS · Concentration risk · 10-K extracted
Webster Financial (WBS) concentration risks
Updated
The most significant concentration Webster Financial discloses is Northeast, 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.
Show full disclosure ▾Hide full disclosure ▴
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
Source: Webster Financial’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-inRegulatory
OCC
“10-K Item 1: 'subject to the supervision of and regular examination by the OCC, its primary regulator'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile encompasses two structural exposures — geographic footprint and primary regulatory oversight — both of which are moderate-share by disclosed size. The core banking franchise spans the Northeast from the New York metropolitan area to Rhode Island and Massachusetts, a medium-share geographic concentration reflecting deliberate market positioning in a densely banked, economically mature region. The structural character means results are linked to Northeast economic conditions, commercial real estate cycles, and consumer and business credit trends in those markets rather than any single counterparty dependency. On the regulatory side, Webster Financial's national bank subsidiary is subject to the supervision and regular examination of the OCC as its primary regulator — a medium-share, structural regulatory concentration. This is a characteristic feature of nationally chartered bank subsidiaries rather than an idiosyncratic exposure; the OCC framework governs capital requirements, examination cycles, and permissible activities in ways that affect the operating environment for the entire business. The regulatory designation is structural because it reflects the charter election rather than any specific counterparty relationship. The two exposures are independent in nature — geographic market mix and regulatory framework — and neither compounds the other directly. There is no disclosed customer, product, or supply concentration layered alongside them. On balance, the concentration profile is moderate and well-understood: Northeast economic conditions and the OCC regulatory environment are the primary structural variables shaping the operating backdrop, with no acute idiosyncratic dependency risk disclosed.
For the engine’s reasoning on WBS’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 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| WBS● | Webster Financial Corporation | 0 | 2 | 0 | 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.