Community Bankers Trust Corp: insider trades · United States · SEC (Form 4)

About Community Bankers Trust Corp

Community Bankers Trust Corp (ticker: ESXB) is a U.S.-listed bank holding company traded on the NASDAQ in the United States. Its operating subsidiary is Essex Bank, and the group’s business model is that of a community-focused commercial bank: gathering deposits, extending credit, and serving individuals, small businesses, and selected commercial clients. The earnings base is centered on net interest income, with additional contribution from fee-based banking services. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1323648/000155837020005954/esxb-20200331x10q.htm?utm_source=openai)) From a historical perspective, the franchise has long roots in Virginia. SEC disclosures identify the company as headquartered in Richmond, Virginia, and describe Essex Bank as a Virginia state bank. Market reference sources also indicate the organization traces its origins back to 1926, underscoring its status as an established regional banking franchise rather than a newly formed financial vehicle. While the corporate structure has evolved over time, the core identity remains that of a relationship-driven regional lender. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1323648/000155837020005954/esxb-20200331x10q.htm?utm_source=openai)) Operationally, Essex Bank offers a standard but comprehensive set of retail and commercial banking products: individual and commercial demand and time deposit accounts, commercial and industrial loans, consumer and small business loans, real estate and mortgage lending, investment services, online and mobile banking, and cash management solutions. This product mix suggests a traditional community bank platform with an emphasis on local client relationships, deposit stability, and practical lending solutions for households and SMEs. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1323648/000155837020005954/esxb-20200331x10q.htm?utm_source=openai)) Geographically, the business has historically been concentrated in Virginia and Maryland, giving ESXB a regional footprint rather than a national one. For investors, that means the stock’s fundamentals are more tightly linked to local economic conditions, credit quality trends, and interest-rate dynamics than to broad national diversification. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1323648/000155837020005954/esxb-20200331x10q.htm?utm_source=openai)) In competitive terms, Community Bankers Trust Corp operates in the highly fragmented U.S. regional and community banking market, where it competes with money-center banks, other community institutions, and increasingly digital-first financial providers. Its relative strengths are local market knowledge, a community-banking relationship model, and the ability to tailor credit and deposit products to nearby customers. Recent publicly visible items are largely regulatory in nature, including SEC filings and insider Form 4 transactions, which are typical areas of attention for investors following micro- and small-cap financial names. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1323648/000110465921076096/tm2118310d1_ex99-1.htm?utm_source=openai))