The net interest margin expansion above 4% and consistent loan growth are positive trends for a community bank. Monitor the Q4 2026 release for continued margin improvement and whether credit loss provisions stabilize as loan growth normalizes.
Price Chart
Executive Summary
Community Bancorp reported Q3 2026 net income of $5.1 million ($0.91 per share), up 7.24% from $4.7 million ($0.84 per share) in Q3 2025. Net interest margin expanded to 4.11% from 3.79% a year ago, and the loan portfolio grew 6.26% year-over-year. No consensus estimates were provided, so no beat/miss verdict is assigned.
Key Financial Metrics
Key Facts
- Q3 2026 net income of $5.1 million, up 7.24% from $4.7 million in Q3 2025
- EPS of $0.91, up 8.3% from $0.84 in Q3 2025
- Net interest margin expanded to 4.11% from 3.79% a year ago
- Gross loan portfolio grew 6.26% year-over-year to $1.022 billion
- Net interest income increased 10.89% to $11.7 million
- Provision for credit losses increased to $473,309 from $258,753 in Q3 2025
- Non-interest income decreased 8.98% to $1.9 million
- Quarterly dividend increased to $0.26 per share from $0.25
- Tangible book value per share rose to $19.47 from $17.58 a year ago
Financial Impact
Net income up $344,000 or 7.24% YoY; net interest margin up 32 bps to 4.11%
Risk Factors
- Securities portfolio unrealized losses increased to $13.4 million from $9.6 million at year-end 2025
- Non-interest income declined 8.98% in the quarter
- Provision for credit losses nearly doubled year-over-year driven by loan growth
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001654954-26-009149 |
| Document: cmtv_8k.htm | 0001654954-26-009149 |
| Document: 0001654954-26-009149-index-headers.html | 0001654954-26-009149 |
| Document: 0001654954-26-009149-index.html | 0001654954-26-009149 |
| Document: 0001654954-26-009149.txt | 0001654954-26-009149 |
| 8-K Data (Synthetic) | 0001654954-26-009149 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 1d ago | 8-K | $42.17 | awaiting T+60 | awaiting T+60 | $41.89 (−0.66%) |
Sep 22, 2026 5w ago | Institutional Cluster | $40.26 | awaiting T+60 | awaiting T+60 | $41.89 (+4.05%) |
Apr 21, 2026 27w ago | 8-K | $38.24 $40.87 | ▲ +6.88% | ▼ −0.02% | $41.89 (+9.55%) |
Apr 9, 2026 28w ago | DEFA14A | $34.67 $38.17 | ▲ +10.09% | ▼ −0.69% | $41.89 (+20.82%) |
Mar 10, 2026 33w ago | Insider Cluster | $32.49 $36.20 | ▲ +11.41% | ▼ −0.27% | $41.89 (+28.93%) |
US Market Status
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