MEDIUMBuilt-inLoan_portfolio
commercial real estate
“10-K Item 1: 'As of December 31, 2025, the Bank's highest concentration of credit is in commercial real estate.'”
MPB · Concentration risk · 10-K extracted
Mid Penn Bancorp (MPB) concentration risks
Updated
The most significant concentration Mid Penn Bancorp discloses is commercial real estate, 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. How we score · Editorial policy
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Source: Mid Penn Bancorp’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 2026-07-06Mid Penn Bancorp's principal disclosed concentration is a loan-portfolio one: the bank's highest concentration of credit is in commercial real estate, a moderate-size structural exposure. This ties the bank's asset quality most closely to the health of the commercial real estate market — property values, occupancy rates, and refinancing conditions in its lending footprint — rather than to any single borrower or customer relationship. As a structural exposure rather than a dependency one, the risk is macro-cyclical in nature: it would take a broader downturn in commercial real estate fundamentals, rather than an idiosyncratic event at any single counterparty, to meaningfully stress the portfolio. Because this is the only concentration claim disclosed in the reviewed sources, and it sits at a moderate rather than high disclosed size, it represents a real but not extreme lean in the loan book. The investment case here is most sensitive to the trajectory of commercial real estate credit conditions broadly, a risk shared with many community and regional banks with similar lending concentrations, rather than to any bank-specific counterparty exposure.
For the engine’s reasoning on MPB’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 |
| MPB● | Mid Penn Bancorp | 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.