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Community Bancorp (CMTV) investor relations material
Community Bancorp AGM 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Opening remarks and agenda
Celebrated 175th anniversary and recent uplisting to Nasdaq, highlighting enhanced visibility and investor access.
Financial performance review
Achieved total assets of $1.24 billion and gross loans of $985 million as of Q1 2026, with 8.8% CAGR loan growth since 2022.
Maintained strong profitability: Q1 2026 ROAA at 1.42%, ROAE at 15.31%, and net interest margin at 3.81%.
Efficiency ratio improved to 53.8% in Q1 2026, reflecting disciplined cost management.
Net income for Q1 2026 was $4.37 million, with EPS growth outpacing share price gains over recent years.
Asset quality remained robust, with NPAs/assets at 0.58% and net charge-offs at 0.00% for Q1 2026.
Board and executive committee updates
Board chaired by Stephen Marsh, with Christopher Caldwell as President & CEO and Louise Bonvechio as EVP & CFO.
Recognized Tom Adams for 40 years and Jake Wheeler for 15 years of service.
- Net income rebounded in Q1 2025, with strong growth and a higher dividend declared.CMTV
AGM 20253 Jul 2026 - Q2 2024 net income fell 14.65% year-over-year, but loan growth and a buyback were announced.CMTV
Q2 20243 Jul 2026 - Net income fell despite asset and loan growth, with higher income offset by rising expenses.CMTV
Q3 20243 Jul 2026 - Q4 net income up 16% year-over-year; record assets and strong loan growth achieved.CMTV
Q4 20243 Jul 2026 - Q1 2025 net income rose 24.89% year-over-year, with strong loan and deposit growth.CMTV
Q1 20253 Jul 2026 - Q2 2025 net income surged 48.81% year-over-year, fueled by strong loan growth and higher yields.CMTV
Q2 20253 Jul 2026 - Q3 2025 net income surged 52%, with strong loan growth and a 4% dividend increase.CMTV
Q3 20253 Jul 2026 - Net income surged 32.9% to $17M in 2025, with assets and book value per share both rising.CMTV
Q4 20253 Jul 2026 - Q1 2026 net income up 23.93% to $4.4M, with strong capital and a $0.25 dividend declared.CMTV
Q1 20263 Jul 2026
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