Community Bancorp (NASDAQ: CMTV) is a bank holding company that operates a community bank serving northeastern and central Vermont. It makes money primarily through the spread between interest earned on loans and interest paid on deposits, with additional fee income from banking products and services. Substantially all loans, deposits, and fee income are generated within northeastern and central Vermont, giving the company a concentrated single-market footprint. The company's common stock listed on the Nasdaq Capital Market tier under the symbol CMTV effective February 2, 2026, having previously traded on the OTC QX platform under the same symbol. As of December 31, 2025, the Company and its Bank subsidiary exceeded all applicable regulatory capital requirements, including a capital conservation buffer of 7.49% for the Company and 7.38% for the Bank. The Bank is a member of the Federal Home Loan Bank of Boston, holding FHLBB stock of $2,254,900 as of December 31, 2025. The filing covers the fiscal year ended December 31, 2025.

Revenue model

Net interest income from loans and deposits, supplemented by fee income from banking products and services. The company also invests in tax credit partnerships that generate federal income tax credits, where the tax benefit is expected to exceed related amortization expense.

Products and services

Loans (with high concentration in real estate-secured loans), deposit products, and other banking financial products and services. The bank also participates in tax credit partnership investments.

Customers and end markets

Individual and business customers in northeastern and central Vermont, a region the filing describes as the poorest in the state. End markets include residential and commercial real estate lending and general consumer and business banking.

Value-chain role

Community bank and bank holding company. Originates and holds loans funded by local deposits and FHLBB borrowings. Subject to OCC examination and enforcement for consumer financial law compliance.

Geographic exposure

Substantially all operations concentrated in northeastern and central Vermont. No geographic diversification disclosed in the filing.

Source: SEC 10-K, filed 2026-03-27

Industry: National Commercial Banks Peers: Affinity Bancshares Inc PNC Financial Services Group Inc QNB Corp SOUTHERN MICHIGAN BANCORP INC Union Bankshares Inc United Bancorp Inc