{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-26-000622","form_type":"8-K","ticker":"CMTV","cik":"0000718413","company_name":"COMMUNITY BANCORP /VT","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.541946+00:00","generated_at":"2026-05-16T07:41:48.333492+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Community Bancorp reports FY 2025 EPS $3.01, up 32% YoY; Q4 EPS $0.83, up 13%","bullets":["Net income for FY 2025 $17M ($3.01/share) vs $12.8M ($2.28/share) in FY 2024, up 32.9%.","Q4 2025 net income $4.6M ($0.83/share) vs $4.1M ($0.73/share) in Q4 2024, up 13.1%.","Net interest margin improved to 3.81% in Q4 (3.68% FY); total assets $1.29B, up 3.09%.","Gross loans grew $37M (4.02%) YoY; deposits increased $69M (6.89%).","Company redeemed all Series A preferred stock ($1.5M) and declared $0.25/share dividend."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-26-000622","json":"https://secwatch.observer/filing/0001654954-26-000622.json","markdown":"https://secwatch.observer/filing/0001654954-26-000622.md","text":"https://secwatch.observer/filing/0001654954-26-000622.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/718413/000165495426000622/0001654954-26-000622-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/718413/000165495426000622/cmtv_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:41:48.333492+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}