MEDIUMBuilt-inLoan_portfolio
commercial real estate loans
“10-K Item 1A: 'Commercial real estate loans were a significant portion of our total loan portfolio as of December 31, 2025.'”
WTBA · Concentration risk · 10-K extracted
West Bancorporation (WTBA) concentration risks
Updated
The most significant concentration West Bancorporation discloses is commercial real estate loans, 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: West Bancorporation’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 1 disclosed concentration
HIGH0
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).
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06West Bancorporation's disclosed concentration risk is narrow, resting on a single structural exposure: commercial real estate loans made up a significant portion of the company's total loan portfolio as of December 31, 2025. This is described as a structural feature of the bank's asset mix rather than a dependency on any single borrower, industry counterparty, or geographic region — it reflects how the loan book is built rather than reliance on an external relationship that could be lost or renegotiated. The filing does not quantify the exact share or name specific borrowers, sectors, or regions beyond this general characterization, so the scope of the exposure is disclosed at a medium level rather than an extreme one. Because commercial real estate lending is sensitive to property values, interest rates, and regional economic conditions, this concentration is the primary lens through which credit risk should be assessed for West Bancorporation, even though it is the only concentration item specifically disclosed in this section of the filing.
For the engine’s reasoning on WTBA’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 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| WTBA● | West Bancorporation | 0 | 1 | 0 | 1 |
| 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.