CMTV on Nasdaq
COMMUNITY BANCORP /VT
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Last updated Oct 16, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement in the latest annual report, as filed.8
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Interest and fees on loans | $55.5M | $49.6M |
| Interest on taxable debt securities | $3.6M | $3.6M |
| Interest on tax-exempt debt securities | $321.6K | $321.6K |
| Dividends | $237.1K | $228.2K |
| Interest on federal funds sold and overnight deposits | $1.3M | $1.2M |
| Total interest income | $60.9M | $55.0M |
| Interest on deposits | $16.0M | $14.1M |
| Interest on borrowed funds | $1.9M | $4.4M |
| Interest on repurchase agreements | $1.1M | $797.0K |
| Interest on junior subordinated debentures | $959.7K | $1.1M |
| Total interest expense | $20.0M | $20.4M |
| Net interest income | $40.9M | $34.6M |
| Credit loss expense | $1.4M | $1.1M |
| Net interest income after credit loss expense | $39.5M | $33.5M |
| Service fees | $3.9M | $3.8M |
| Income from sold loans | $406.0K | $370.4K |
| Other income from loans | $1.4M | $1.2M |
| Other income | $2.3M | $1.8M |
| Total non-interest income | $7.9M | $7.2M |
| Salaries and wages | $9.8M | $9.4M |
| Employee benefits | $4.2M | $3.9M |
| Occupancy expenses, net | $3.0M | $2.7M |
| Other expenses | $10.0M | $9.5M |
| Total non-interest expense | $27.0M | $25.5M |
| Income before income taxes | $20.4M | $15.2M |
| Income tax expense | $3.4M | $2.4M |
| Net income | $17.0M | $12.8M |
| Earnings per common share | $3.01 | $2.28 |
| Weighted average number of common shares used in computing earnings per share | 5.6M shares | 5.6M shares |
| Dividends declared per common share | $0.98 | $0.94 |
Every line of the balance sheet in the latest annual report, as filed.8
| Period ending | 2026-01-31 | 2025-12-31 | 2025-01-31 |
|---|---|---|---|
| Cash and due from banks | $11.8M | ||
| Federal funds sold and overnight deposits | $116.3M | ||
| Total cash and cash equivalents | $128.1M | ||
| Securities available-for-sale (amortized cost $156,694,754 and $179,668,079 at 12/31/25 and 12/31/24, respectively) | $144.5M | ||
| Restricted equity securities, at cost | $2.9M | ||
| Loans held-for-sale | $138.0K | ||
| Loans | $965.3M | ||
| Allowance for credit losses | -$10.9M | ||
| Deferred net loan costs | $786.6K | ||
| Net loans | $955.2M | ||
| Premises and equipment, net | $12.1M | ||
| Accrued interest receivable | $4.6M | ||
| Bank owned life insurance | $5.4M | ||
| Goodwill | $11.6M | ||
| Other real estate owned | $319.0K | ||
| Other assets | $22.7M | ||
| Total assets | $1.3B | ||
| Demand, non-interest bearing | $218.8M | ||
| Interest-bearing transaction accounts | $299.6M | ||
| Money market funds | $187.1M | ||
| Savings | $142.5M | ||
| Time deposits, $250,000 and over | $46.9M | ||
| Other time deposits | $175.6M | ||
| Total deposits | $1.1B | ||
| Repurchase agreements | $41.5M | ||
| Borrowed funds | $36.0M | ||
| Junior subordinated debentures | $12.9M | ||
| Accrued interest and other liabilities | $12.8M | ||
| Total liabilities | $1.2B | ||
| Preferred stock, 1,000,000 shares authorized, 0 shares issued at 12/31/25, 15 shares issued and outstanding at 12/31/24 ($100,000 liquidation value, per share) | $0 | ||
| Common stock - $2.50 par value; 15,000,000 shares authorized, 5,882,266 and 5,809,035 shares issued at 12/31/25 and 12/31/24, respectively (including 15,924 and 21,187 shares issued 2/1/26 and 2/1/25, respectively) | $14.7M | ||
| Additional paid-in capital | $40.1M | ||
| Retained earnings | $73.0M | ||
| Accumulated other comprehensive loss | -$9.6M | ||
| Less: treasury stock, at cost; 299,339 shares at 12/31/25 and 210,101 shares at 12/31/24 | -$4.5M | ||
| Total shareholders' equity | $113.7M | ||
| Total liabilities and shareholders' equity | $1.3B | ||
| Book value per common share outstanding | $20.36 | ||
| Amortization cost on securities available for sale | $156.7M | ||
| Time deposits | $250.0K | ||
| Preferred stock, shares authorized | 1.0M shares | ||
| Preferred stock, shares issued | 0 shares | ||
| Preferred stock, shares outstanding | 0 shares | ||
| Preferred stock, liquidation value | $100.0K | ||
| Common stock par value (in dollars per share) | $2.50 | ||
| Common stock, shares authorized (in shares) | 15.0M shares | ||
| Common stock, shares issued (in shares) | 15.9K shares | 5.9M shares | 21.2K shares |
| Treasury stock (in shares) | 299.3K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.8
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $17.0M | $12.8M |
| Depreciation and amortization, bank premises and equipment | $1.0M | $1.0M |
| Credit loss expense | $1.4M | $1.1M |
| Deferred income tax provision | $48.5K | $351.9K |
| Gain on sale of loans | -$145.6K | -$88.1K |
| Loss on sale of bank premises and equipment | $7.8K | $3.4K |
| Gain on sale of OREO | $0 | -$30.1K |
| Income from CFS Partners | -$1.8M | -$1.2M |
| Amortization of bond premium, net | $30.6K | $208.5K |
| Proceeds from sales of loans held for sale | $6.9M | $5.1M |
| Originations of loans held for sale | -$6.9M | -$5.0M |
| Increase in taxes payable | $29.6K | $17.2K |
| Increase in interest receivable | -$135.5K | -$225.7K |
| Decrease in mortgage servicing rights | $77.7K | $82.5K |
| (Increase) decrease in right-of-use assets | -$256.9K | $65.5K |
| Increase (decrease) in operating lease liabilities | $286.9K | -$80.8K |
| Increase in other assets | -$116.6K | $100.6K |
| Increase in cash surrender value of BOLI | -$79.7K | -$85.7K |
| Amortization of limited partnerships | $851.5K | $748.5K |
| Change in net deferred loan fees and costs | -$137.9K | -$75.5K |
| (Decrease) increase in interest payable | -$1.9M | $1.3M |
| Decrease in accrued expenses | -$161.5K | -$144.6K |
| Increase in other liabilities | $63.0K | $1.0K |
| Net cash provided by operating activities | $16.0M | $15.8M |
| Maturities, calls, pay downs and sales | $37.9M | $31.0M |
| Purchases | -$15.0M | $0 |
| Proceeds from redemption of restricted equity securities | $3.1M | $4.4M |
| Purchases of restricted equity securities | -$3.4M | -$5.4M |
| Increase in limited partnership contributions payable | $0 | $4.4M |
| Investments in limited liability entities | $0 | -$6.4M |
| Increase in loans, net | -$38.2M | -$84.3M |
| Capital expenditures net of proceeds from sales of bank premises and equipment | -$780.8K | -$791.8K |
| Proceeds from sales of OREO | $0 | $305.1K |
| Recoveries of loans charged off | $106.0K | $213.6K |
| Net cash used in investing activities | -$16.2M | -$56.6M |
| Net increase in demand and interest-bearing transaction accounts | $16.6M | $1.9M |
| Net increase in money market and savings accounts | $17.2M | $39.5M |
| Net increase in time deposits | $35.2M | $63.3M |
| Net (decrease) increase in repurchase agreements | -$7.4M | $12.7M |
| Net decrease in short-term borrowings | $41.8M | $12.0M |
| Proceeds from long-term borrowings | $10.2M | $30.0M |
| Repayments on long-term borrowings | -$5.0M | $0 |
| Decrease in finance lease obligations | -$234.1K | -$226.9K |
| Shares purchased through stock buyback program | -$1.9M | $0 |
| Redemption of preferred stock | -$1.5M | $0 |
| Dividends paid on preferred stock | -$96.6K | -$125.6K |
| Dividends paid on common stock | -$4.0M | -$3.7M |
| Net cash provided by financing activities | $17.3M | $131.3M |
| Net increase in cash and cash equivalents | $17.1M | $90.5M |
| Interest | $21.9M | $19.0M |
| Income taxes, net of refunds | $2.5M | $1.3M |
| Change in unrealized gain on securities AFS | $7.8M | $195.9K |
| Loans transferred to OREO | $319.0K | $275.0K |
| Additions to operating lease liabilities | $524.5K | $138.1K |
| Investment in limited partnerships, not yet paid | $4.4M | $4.4M |
| Dividends declared | $5.5M | $5.2M |
| Increase in dividends payable attributable to dividends declared | -$48.9K | -$63.0K |
| Dividends reinvested | -$1.5M | -$1.4M |
| Total dividends paid | $4.0M | $3.7M |
Recent filings
- Sep 18, 20268-K
- Aug 14, 202610-Q
- Jul 23, 20268-K/A
- Jul 21, 20268-K
- Jul 6, 202611-K
- Jul 1, 2026NT 11-K
- Jun 18, 20268-K
- Jun 5, 20264
- May 22, 20268-K
- May 15, 202610-Q
- May 6, 20264
- Apr 21, 20268-K
- Apr 16, 20268-K/A
- Apr 9, 2026DEF 14A DEFINITIVE PROXY STATEMENT
- Apr 9, 2026DEFA14A DEFINITIVE ADDITIONAL MATERIALS
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
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