Community Bancorp /vt: directors' dealings · United States · SEC (Form 4)

About Community Bancorp /vt

Community Bancorp /VT (ticker CMTV) is a U.S. bank holding company listed on the NASDAQ Capital Market in the United States, and it is best understood as a long-established regional community banking franchise rather than a large diversified financial group. The company is the parent of Community National Bank, a Vermont community bank founded in 1851. Community Bancorp itself was organized in Vermont in 1982 and became a registered bank holding company in 1983. Its operating headquarters are in Derby/Newport, Vermont, and the group’s footprint is concentrated in northern and central Vermont, with additional lending presence in Lebanon, New Hampshire. ([communitybancorpvt.com](https://www.communitybancorpvt.com/?utm_source=openai)) From a business-model perspective, Community Bancorp is a traditional relationship-driven banking platform. Its core activities include retail banking, commercial banking, residential mortgage lending, home-equity lending, commercial & industrial lending, commercial real estate lending, municipal lending, and deposit gathering. The company’s 2025 annual report shows that management maintains a conservative underwriting culture and emphasizes “community banking service,” disciplined loan growth, operational efficiency, and prudent capital allocation. The bank’s loan mix is oriented toward traditional mortgage products and commercial lending, and management specifically notes that it does not offer higher-risk mortgage structures such as option ARMs, high loan-to-value products, interest-only mortgages, or subprime loans. ([sec.gov](https://www.sec.gov/Archives/edgar/data/718413/000207709626000059/ea028548101-ars_community.pdf)) Competitive positioning is rooted in local trust, longstanding customer relationships, and regional knowledge. In a banking market where larger national and super-regional competitors compete on scale, Community Bancorp’s advantage is its community orientation, responsive service model, and deep familiarity with local borrowers, municipalities, and small businesses. The company also highlights a lending platform supported by production offices in Burlington, Vermont, and Lebanon, New Hampshire, which broadens its origination reach while keeping the franchise focused on its core New England markets. ([sec.gov](https://www.sec.gov/Archives/edgar/data/718413/000207709626000059/ea028548101-ars_community.pdf)) Recent developments have been meaningful for the equity story. In January 2026, the company announced approval to list its common stock on the NASDAQ Capital Market, and trading began on February 2, 2026 under the same symbol CMTV. This represented a notable step up in market visibility for the shares. The company also reported a strong 2025 performance: full-year earnings of $17.0 million, or $3.01 per share, and total assets of $1.29 billion at December 31, 2025. In addition, Community National Bank entered 2026 celebrating its 175th anniversary, reinforcing the franchise’s long operating history and entrenched local presence. ([sec.gov](https://www.sec.gov/Archives/edgar/data/718413/000207709626000059/ea028548101-ars_community.pdf))