COMMUNITY BANCORP /VT
For the period ended Dec 31, 2025. Filed Mar 27, 2026.
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FY2025 · Filed Mar 27, 2026
CMTV$47.18-0.0%Stored close · as of Nov 10, 2026
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EX-13 · Non-interest Income
Non-interest Income
The components of non-interest income for the annual periods presented are as follows:
| Years Ended | ||||
|---|---|---|---|---|
| December 31 · Change | ||||
| 2025 | 2024 | Income | Percent | |
| Service fees | $3,866,744 | $3,811,141 | $55,603 | 1.46% |
| Income from sold loans | 405,978 | 370,360 | 35,618 | 9.62% |
| Other income from loans | 1,369,201 | 1,228,555 | 140,646 | 11.45% |
| Other income | ||||
| Income from CFS Partners | 1,783,726 | 1,220,909 | 562,817 | 46.10% |
| Other miscellaneous income | 483,656 | 551,251 | (67,595) | -12.26% |
| Total non-interest income | $7,909,305 | $7,182,216 | $727,089 | 10.12% |
Total non-interest income increased $727,089 for the year ended December 31, 2025, compared to the same period 2024, with significant changes noted in the following:
| · | The volume of loans sold into the secondary market during 2025 increased by $300,000 compared to 2024, and points and premiums on sold loans increased as well, resulting in an increase year over year in income from sold loans. |
| · | The increased volume of commercial line of credit renewals and income from a risk participation agreement entered into in 2025 accounts for a significant portion of the increase in other income from loans between periods. |
| · | Income from CFS Partners increased between periods due in part to a strong equity market and successful retention of managed accounts, as well as an increase, commencing March 1, 2025, in the Company’s share of CFSG’s net income from 33.3% to 50%. CFSG’s income is derived primarily from asset-based fees on managed accounts. In addition, CFS Partners has a small portion of its equity capital invested in the stock market, with performance generally reflecting stock market conditions. |
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