HIGHBuilt-inLoan_portfolio
51.4%
commercial real estate loans
“10-K Item 1A: 'commercial real estate – 51.4%; owner-occupied commercial real estate – 11.0%; commercial and industrial – 8.6%; and acquisition, construction & development – 7.2%.'”
BHRB · Concentration risk · 10-K extracted
Burke & Herbert Financial Servi (BHRB) concentration risks
Updated
The most significant concentration Burke & Herbert Financial Servi discloses is commercial real estate loans at 51.4%, 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: Burke & Herbert Financial Servi’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH1
MEDIUM0
LOW1
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).
LOWOutside partyLoan_portfolio
9.9%
top 10 borrowing relationships
“10-K Item 1: 'Our 10 largest borrowing relationships accounted for approximately 9.9% of our total loans at December 31, 2025.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Burke & Herbert Financial Services' loan portfolio is meaningfully concentrated in commercial real estate: the largest single-category exposure, commercial real estate lending, makes up 51.4% of the portfolio, with additional slices in owner-occupied commercial real estate at 11.0%, commercial and industrial at 8.6%, and acquisition, construction & development at 7.2%. This is a structural exposure — a function of the bank's chosen lending mix rather than dependence on any single borrower — and is the item most likely to move the verdict, since a downturn in commercial property values would touch more than half the book. By contrast, borrower-level concentration is comparatively contained: the ten largest borrowing relationships account for approximately 9.9% of total loans, a low share that limits single-name credit risk. Netting the two together, the bank's risk profile is dominated by sector/asset-class exposure to commercial real estate rather than reliance on a handful of large customers — the CRE mix is the item worth monitoring, while borrower concentration itself is not a significant standalone concern.
For the engine’s reasoning on BHRB’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 |
| BHRB● | Burke & Herbert Financial Servi | 1 | 0 | 1 | 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.