Risk factors

Community Bancorp (CMTV) risk factors

Item 1A of every Community Bancorp 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    29 risks, 2 reworded since the prior year. Nasdaq listing replaced OTC QX trading, but low volume still creates stock-price volatility and limited liquidity.

    Filed Mar 27, 2026
  • FY2024 10-K risk factors

    29 risks. Substantially all loans and deposits are geographically concentrated in northeastern and central Vermont. The company relies heavily on deposit-gathering for liquidity and faces intense competition from banks and tax-advantaged credit unions. Common stock is not exchange-listed and trades on the OTC QX market.

    Filed Mar 28, 2025