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CMTV on Nasdaq

COMMUNITY BANCORP /VT

American national commercial bank, incorporated in Vermont1

In its 2026 annual report the company says: “The Bank is the Company’s only subsidiary and principally all of our business operations are presently conducted through it.”3 It is headquartered in Derby, Vermont.1 Its shares trade on Nasdaq under the symbol CMTV.1

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Last updated Oct 21, 2026.

Overview

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  • TickerCMTV on Nasdaq1
  • IndustryNational Commercial Banks1
  • HeadquartersDerby, Vermont1
  • Incorporated inVT2
  • Business address4811 Us Route 5, Derby, Vt 058292
  • Filer categoryNon-accelerated filer, Smaller reporting company2

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Note Regarding Definitions and Acronyms: Capitalized terms and acronyms used in the discussion below and not otherwise defined have the meaning ascribed to them in Note 1 of the Company’s audited consolidated financial statements filed pursuant to Part II, Item 8 of this report and contained in Exhibit 13 to this report.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income456789$17.0M in 2025+92% since 2019
0$5.0M$10.0M$15.0M$20.0M2019: $8.8M$8.8M20192020: $10.8M$10.8M2020+22%2021: $13.1M$13.1M2021+22%2022: $13.7M$13.7M2022+5%2023: $13.4M$13.4M2023−2%2024: $12.8M$12.8M2024−5%2025: $17.0M$17.0M2025+33%

Every line of the income statement as filed: the last 2 fiscal years, latest first.9

Period ending2025-12-312024-12-31
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 share5.6M shares5.6M shares
Dividends declared per common share$0.98$0.94

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Corporate structure

COMMUNITY BANCORP /VT sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of COMMUNITY BANCORP /VT

  • BlackRock Filed SCHEDULE 13G on COMMUNITY BANCORP /VT, latest Jul 27, 2026
  • Anita G. Zucker Filed SCHEDULE 13D/A on COMMUNITY BANCORP /VT, latest Mar 16, 2026
  • COMMUNITY BANCORP /VT Derby, Vermont

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What COMMUNITY BANCORP /VT reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land and buildings$3.3M9 Dec 31, 2025$3.1M9 Dec 31, 2024+6.1%
Buildings and improvements$11.1M9 Dec 31, 2025$10.8M9 Dec 31, 2024+2.1%
Furniture and fixtures$7.3M9 Dec 31, 2025$7.0M9 Dec 31, 2024+4.5%
Leasehold improvements$883.3K9 Dec 31, 2025$869.5K9 Dec 31, 2024+1.6%
Property and equipment, before depreciation$28.0M9 Dec 31, 2025$27.3M9 Dec 31, 2024+2.8%
Accumulated depreciation$15.9M9 Dec 31, 2025$15.2M9 Dec 31, 2024+4.9%
Property and equipment, net$12.1M9 Dec 31, 2025$12.1M9 Dec 31, 2024+0.1%
Finance-lease assets$2.9M9 Dec 31, 2025$3.2M9 Dec 31, 2024−7.2%
Operating-lease assets (leased space)$685.9K9 Dec 31, 2025$395.7K9 Dec 31, 2024+73.3%

Investments

ItemLatestA year beforeChange
Marketable securities, current$144.5M9 Dec 31, 2025$159.7M9 Dec 31, 2024−9.5%
Debt securities available for sale$144.5M9 Dec 31, 2025$159.7M9 Dec 31, 2024−9.5%
Loans, net of allowance$918.8M8 Dec 31, 2024$836.2M8 Dec 31, 2023+9.9%
Deposits held (banks)$1.1B9 Dec 31, 2025$1.0B9 Dec 31, 2024+6.9%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$11.6M9 Dec 31, 2025$11.6M9 Dec 31, 20240%

Properties, in its own words

Although the Company does not itself own or lease real property, the Bank owns or leases various properties for its banking operations. All of the Bank’s offices are located in Vermont, other than its loan production office in Grafton County, New Hampshire.

The Company's administrative offices are located at the main offices of the Bank on U.S. Route 5 in Derby, Vermont, with total office space of approximately 34,000 square feet, including retail banking offices, an operations center as well as a community room used by the Bank for meetings and various functions. This community room has a secure outside access making it possible for the Bank to offer it to non-profit organizations after banking hours free of charge. This office is equipped with a remote drive-up facility and a drive-up ATM as well as an inside lobby ATM. The Company leases space at this office to its affiliated trust and wealth management affiliate, CFSG, on arms’ length terms.

The rest of Item 2

In addition to its main office, the Company currently owns or leases the following premises in six Vermont counties and one New Hampshire County:

Office Location1 · Owned · Leased · CFSG Office2

Caledonia County, VT

St. Johnsbury (Route 5) · X

Lyndon (Memorial Drive) · X · X

Chittenden County, VT

Burlington (Shelburne Road)3,4 · X

Franklin County, VT

Enosburg Falls (Sampsonville Road) · X

Grafton County, NH

Lebanon, NH (367 Route 120)3 · X

Lamoille County, VT

Morrisville (Route 15 West) · X

Orleans County, VT

Barton (Church Street) · X

Derby Line (Main Street) · X

Island Pond (Route 105) · X

Newport (Main Street) · X

Troy (Route 101) · X

Washington County, VT

Barre (North Main Street) · X · X

Montpelier (State Street) · X

1 All listed locations are operating bank branch offices, except as otherwise noted in footnote 3.

2 The Bank leases space at two of its branch locations to its affiliated trust and investment management affiliate, CFSG, on arms’ length terms.

3 Loan production offices (LPO), in Chittenden County, in northwestern Vermont and Grafton County, in western New Hampshire.

4The Bank leases these premises on arms’ length terms from an entity affiliated with one of the Company’s directors.

The Company maintains ATMs at the main office and all branch locations.

All of the Company’s owned premises are free and clear of any mortgage or encumbrances and, in management’s view, all locations are suitable for conducting the Bank’s business.

Item 2 of the 10-K filed Mar 27, 2026.3

Leadership

Who has led COMMUNITY BANCORP /VT, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Kathryn M. Austin2017–2021
  2. Christopher L. Caldwell2025–now

President

  1. Kathryn M. Austin2017–2021

Chief financial officer

  1. Louise M. Bonvechio2008–now

Chief operating officer

  1. Kathryn M. Austin2015–2017
2010201520202025
Board members and other officers (33)

Timeline

  1. Sep 18, 20268-K Other events48
  2. Jul 23, 20268-K Results of operations49
  3. Jul 21, 20268-K Results of operations50
  4. Jun 18, 20268-K Other events51
  5. May 22, 20268-K Shareholder vote52
  6. Apr 21, 20268-K Results of operations53
  7. Apr 16, 20268-K Other events54
  8. Mar 19, 20268-K Other events55
  9. Jan 29, 20268-K Other events56
  10. Jan 27, 20268-K Results of operations57
  11. Jan 23, 20268-K Other events58
  12. Jan 8, 20268-K Other events59
  13. Feb 25, 2025New chief executive Christopher L. Caldwell becomes CEO12
  14. Jan 12, 2017New chief executive Kathryn M. Austin becomes CEO13

Calendar

Coming up

  1. Nov 13, 2026Reports results for the quarter ending Sep/202660

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results49
  2. Jul 21, 2026Reported quarterly or annual results50
  3. Apr 21, 2026Reported quarterly or annual results53
  4. Jan 27, 2026Reported quarterly or annual results57
  5. Oct 21, 2025Reported quarterly or annual results61
  6. Jul 22, 2025Reported quarterly or annual results62
  7. Apr 22, 2025Reported quarterly or annual results63
  8. Jan 22, 2025Reported quarterly or annual results64

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

251 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 62 major events, 144 insider forms, 2 large holders, 23 other. The latest 20:

  1. Sep 18, 20268-K EDGAR
  2. Aug 14, 202610-Q EDGAR
  3. Jul 27, 2026SCHEDULE 13G EDGAR
  4. Jul 23, 20268-K/A EDGAR
  5. Jul 21, 20268-K EDGAR
  6. Jul 6, 202611-K EDGAR
  7. Jul 1, 2026NT 11-K EDGAR
  8. Jun 18, 20268-K EDGAR
  9. Jun 5, 20264 EDGAR
  10. May 22, 20268-K EDGAR
  11. May 15, 202610-Q EDGAR
  12. May 6, 20264 EDGAR
  13. Apr 21, 20268-K EDGAR
  14. Apr 16, 20268-K/A EDGAR
  15. Apr 9, 2026ARS EDGAR
  16. Apr 9, 2026DEFA14A DEFINITIVE ADDITIONAL MATERIALS EDGAR
  17. Apr 9, 2026DEF 14A DEFINITIVE PROXY STATEMENT EDGAR
  18. Apr 6, 20264 EDGAR
  19. Apr 6, 20264 EDGAR
  20. Mar 27, 202610-K EDGAR

The 251 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

147 open-market trades by officers, directors and large owners since October 2021: 146 buys and 1 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 3, 2026Martin CarolDirectorBuy72$36.00$2.6KForm 4
Apr 6, 2026Caldwell Christopher L.Pres/CEO/Dir of Company & BankBuy1,000$35.30$35.3KForm 4
Apr 6, 2026Lamberton WayneDirectorBuy1,350$34.32$46.3KForm 4
Mar 12, 2026BONVECHIO LOUISE MExecutive VP & CFOBuy763$32.75$25.0KForm 4
Mar 12, 2026BONVECHIO LOUISE MExecutive VP & CFOBuy763$32.75$25.0KForm 4
Mar 10, 2026Lamberton WayneDirectorBuy130$30.50$4.0KForm 4
Mar 4, 2026Moore Jeffrey LeeDirectorBuy100$30.45$3.0KForm 4
Mar 3, 2026Laforce DavidDirectorBuy895$30.00$26.9KForm 4
Feb 20, 2026Laforce DavidDirectorBuy140$31.38$4.4KForm 4
Feb 13, 2026Marvin EmmaDirectorBuy3,100$32.50$100.8KForm 4
Feb 4, 2026Bouffard David MarkDirectorBuy500$31.45$15.7KForm 4
Feb 2, 2026Conant Aminta KDirectorBuy4,000$31.50$126.0KForm 4
Feb 2, 2026Caldwell Christopher L.Pres/CEO/Dir of Company & BankBuy1,000$31.77$31.8KForm 4
Feb 2, 2026Lamberton WayneDirectorBuy2,000$31.19$62.4KForm 4
Jan 14, 2026Brainard NikolePAO-ControllerBuy100$22.94$2.3KForm 4
Jan 13, 2026Baker Bruce DDirectorBuy180$28.00$5.0KForm 4
Oct 23, 2025Bouffard David MarkDirectorSale2$22.65$45Form 4
Sep 8, 2025Lamberton WayneDirectorBuy1,900$22.75$43.2KForm 4
Sep 3, 2025Caldwell Christopher L.Pres/CEO/Dir of Company & BankBuy1,000$22.70$22.7KForm 4
Aug 22, 2025Lamberton WayneDirectorBuy100$22.75$2.3KForm 4

All 147 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

  • BlackRockSCHEDULE 13G, 1 filing Jul 27, 202665
  • Anita G. ZuckerSCHEDULE 13D/A, 1 filing Mar 16, 202666

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Christopher L Caldwell$435.0K$641.5K67
2025Louise M. Bonvechio$277.5K$441.7K67
2024Chief Executive OfficerPresident and$307.5K$420.1K67
2024Corporate Secretary and Treasurer,$263.6K$385.6K67

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 48. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Community Financial Services Group, LLC696,493$27.3M4.0%New
BlackRock, Inc.330,212$12.9M0.0%+259,754
Vanguard Capital Management LLC225,036$8.8M0.0%−9,464
Geode Capital Management, LLC129,566$5.1M0.0%+65,689
Manufacturers Life Insurance Company, The63,174$2.5M0.0%+1,467
Silverlake Wealth Management LLC62,351$2.4M0.5%−327
State Street Corp56,153$2.2M0.0%+46,603
Alliancebernstein L.P.60,380$1.9M0.0%−1,755
Northern Trust Corp38,959$1.5M0.0%+28,316
Vanguard Portfolio Management LLC34,517$1.3M0.0%New
Vanguard Fiduciary Trust Co33,381$1.3M0.0%+1,488
Charles Schwab Investment Management Inc16,234$634.7K0.0%New
Blair William & Co/il15,602$610.0K0.0%No change
Wells Fargo & Company/mn13,917$544.2K0.0%+4,332
Savant Capital, LLC12,298$480.9K0.0%No change
Bank of New York Mellon Corp11,940$466.9K0.0%New
Bank Of Montreal /can/10,197$398.7K0.0%No change
Nuveen, LLC9,967$389.7K0.0%New
American Century Companies Inc8,470$331.2K0.0%New
Morgan Stanley7,690$300.7K0.0%+1,391
Kestra Advisory Services, LLC6,275$245.4K0.0%−221
Y-Intercept (Hong Kong) Ltd6,103$238.6K0.0%New
Goldman Sachs Group Inc5,579$218.1K0.0%New
Deutsche Bank Ag\4,978$194.6K0.0%New
UBS Group AG4,783$187.0K0.0%+4,613

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How COMMUNITY BANCORP /VT is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCOMMUNITY BANCORP /VT1
  • CIK0000718413
  • Employer ID (EIN)03-02840703
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inVermont3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address4811 Us Route 5, Derby, VT 058291
  • Mailing address4811 Us Route 5, Newport, VT 058551
  • Phone802-334-79151
  • Shares outstanding5,600,902 as of Aug 3, 202611
  • Public float$90.0M as of Jun 30, 20253
  • On EDGAR sinceApr 6, 19951
  • Filings1,144 in all: 8-K (281), 4 (275), 5 (272), 10-Q (83), DEF 14A (32), 10-K (28), 11-K (25), 3 (22)1
    All 39 form types

    8-K/A (20), DEFA14A (13), 10QSB (12), 10-K/A (10), 4/A (8), S-3D (7), PRE 14A (6), 10-Q/A (5), ARS (5), 5/A (4), 10KSB (3), 10QSB/A (3), 11-K/A (3), 3/A (3), SC 13G/A (3), 424B3 (2), 8-A12G/A (2), S-3 (2), S-8 (2), UPLOAD (2), 8-A12B (1), CERT (1), CORRESP (1), NT 11-K (1), RW (1), S-2 (1), SC 13D (1), SC 13D/A (1), SC 13G (1), SCHEDULE 13D/A (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Mar 27, 2026
    Quarterly report (10-Q) Aug 14, 2026
    Proxy statement (DEF 14A) Apr 9, 2026
    Latest 8-K (8-K) Sep 18, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $2.50 Per value per shareCMTVNASDAQ

From the cover page of the 10-K filed Mar 27, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

The risks COMMUNITY BANCORP /VT names in Item 1A of its 10-K filed Mar 27, 2026: 29 risks under these headings, as written.3

  • OPERATIONAL RISKS
  • Changes in interest rates could adversely affect our business, results of operations and financial condition.
  • We are subject to liquidity risk because we rely primarily on deposit-gathering to satisfy our funding needs.
  • We are subject to credit risk and if our ACL is not adequate to cover actual losses, our earnings could decrease.
  • Prepayments of loans may negatively impact our business.
  • Our loans and deposits are geographically concentrated and adverse local economic conditions could negatively affect our business.
  • We have a high concentration of loans secured by real estate, so a deterioration in the real estate markets could require material increases in our ACL and adversely affect our business, financial condition, and results of operations.
  • Systems failures, interruptions, cyberattacks or other breaches of information security, including those affecting our vendors, could disrupt our business and have an adverse effect on our reputation, business, results of operations and financial condition.
  • We depend on the accuracy and completeness of information about customers and counterparties.
  • Environmental liability associated with our lending activities could result in losses.
  • Pandemics, epidemics, disease outbreaks and other public health crises, such as the recent COVID-19 pandemic, have disrupted our business and operations, and future outbreaks could materially adversely impact our business, financial condition, liquidity and results of operations.
  • REGULATORY, LEGAL AND ACCOUNTING RISKS
The other 19 risks
  • Our ability to pay dividends on our capital stock and to service our debt depends primarily on dividends from our subsidiary and may be subject to regulatory and contractual limitations.
  • Our banking business is highly regulated, and we may be adversely affected by changes in law and regulation.
  • A decline in the fair value of our investment portfolio could adversely affect our financial results and capital.
  • Changes in accounting standards could materially affect our financial statements.
  • Our internal controls and procedures may fail or be circumvented.
  • We are subject to detailed capital requirements that could limit our ability to pay dividends and to take certain other actions.
  • We may be required to write down goodwill.
  • Our investment in tax credit partnerships and other structures may not generate expected or anticipated returns, which could have an adverse impact on our results of operations and financial condition.
  • RISKS RELATING TO OUR COMMON STOCK
  • Although our common stock is now exchange-listed, our trading volume is less than that of larger public companies, which can contribute to volatility in our stock price and adversely affect the price and liquidity of an investment in our common stock.
  • Our common stock is subordinate to our existing and future indebtedness and to any preferred stock we may issue in the future.
  • Securities issued by us, including our common stock, are not FDIC insured.
  • Our organizational documents may have the effect of discouraging a third party from acquiring us.
  • GENERAL RISKS
  • Market changes in delivery of financial services may adversely affect demand for our services.
  • Substantial competition and disintermediation of payment services could adversely affect us.
  • New products and services are essential to remain competitive but may subject us to additional risks.
  • Changes in our tax rates could affect our future results.
  • Our business could suffer if we fail to attract and retain skilled personnel.
  • We are not able to offer all of the financial services and products of a financial holding company.
  • Our risk management framework may not be effective in mitigating risk and loss.

Legal proceedings

There are no pending legal proceedings to which the Company or the Bank is a party or of which any of its property is the subject, other than routine litigation incidental to its banking business, none of which, in the opinion of management, is material to the Company's consolidated operations or financial condition.

The opening of Item 3, Legal Proceedings.3

Sources

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