Community Bancorp 2025年度报告

Community Bancorp. and Subsidiary Table of Contents Independent Auditor’s Report………………………………………………………………………...................................... 3Financial Statements:Consolidated Balance Sheets…………………………………………………………………….................................... 7Consolidated Statements of Income……………………………………………………………..................................... 8Consolidated Statements of Comprehensive Income………………………………………….................................... 9Consolidated Statements of Changes in Shareholders’ Equity……………………………….................................. 10Consolidated Statements of Cash Flows………………………………………………………. .................................. 12Notes to Consolidated Financial Statements………………………………………………….. .................................. 14Management’s Discussion and Analysis of the Results of Operation…………………………..................................... 58Common Stock Performance by Quarter…………………………………………………………... ................................. 82Other Shareholder Information……………………………………………………………………….................................. 83 To Our Shareholders, ZDVDVWURQJDQGGH¿QLQJ\HDUIRU&RPPXQLW\%DQFRUSDQG&RPPXQLW\1DWLRQDO%DQN:HGHOLYHUHGVWURQJearnings, advanced the goals of our strategic plan, and remained focused on the areas we can control: carefullyPDQDJLQJRXUEDODQFHVKHHWDQGLGHQWLI\LQJHI¿FLHQFLHVDFURVVWKHRUJDQL]DWLRQ$VWKHEDQNEHJLQVFHOHEUDWLQJour 175th anniversary in 2026, we honor our history while positioning the Company for continued success in aUDSLGO\HYROYLQJ¿QDQFLDOODQGVFDSH Throughout 2025, we operated in a macroeconomic environment marked by persistent uncertainty and shiftingconsumer sentiment. Despite these conditions, our team remained disciplined and responsive, supporting ourcustomers with thoughtful guidance, sound credit expertise, and high touch community banking service. Thisconsistency of execution contributed meaningfully to our performance and reinforced the strength of our relationshipdriven business model. 2XUHPSOR\HHVUHPDLQRXUJUHDWHVWGLIIHUHQWLDWRU7KHLUH[SHUWLVHFRPPLWPHQWDQGVHUYLFH¿UVWPLQGVHWFRQWLQXHto strengthen our brand and deepen our impact across the communities we serve. In 2025, we launched theDeliver WOW!quarterly recognition program to honor employees who exemplify our core values. The depth andYROXPHRIQRPLQDWLRQVUHÀHFWDVWURQJSXUSRVHGULYHQFXOWXUHDQGWKHSULGHRXUWHDPWDNHVLQVHUYLQJFXVWRPHUVand communities. This commitment to excellence is fundamental to our continued future success and a critical component of ourcompetitive advantage. Our strategic plan is anchored by four core priorities:• Intentional loan growthsupported by rigorous underwriting standards • Deeper client engagementWKURXJKFXVWRPL]HG¿QDQFLDOVROXWLRQV• Operational excellence and talent developmentdriven by our senior leadership team• Prudent capital allocationaligned with regulatory expectations and long term shareholder value During 2025, we continued to thoughtfully deploy capital, supporting growth opportunities while maintaining astrong and conservative position for the future. These actions ensure we remain well positioned to meet regulatorycapital requirements and to deliver sustainable returns for our shareholders. As we enter 2026, our focus remains on executing our strategy with discipline and intentionality. Our 175 yearOHJDF\UHÀHFWVVWDELOLW\UHVLOLHQFHDQGDQHQGXULQJFRPPLWPHQWWRWKHFRPPXQLWLHVZHVHUYH/RRNLQJDKHDGZHDUHFRQ¿GHQWLQWKHVWUHQJWKRIRXUEXVLQHVVPRGHOWKHTXDOLW\RIRXUWHDPDQGWKHRSSRUWXQLWLHVEHIRUHXVIRUdisciplined growth and value creation. To our shareholders:7KDQN\RXIRU\RXUFRQWLQXHGWUXVWDQGFRQ¿GHQFH:HVWULYHWRSURYLGHPHDQLQJIXOUHWXUQVto you through dividends and continued earnings. To our customers:You are at the center of everything we do. Your trust and loyalty motivate our team to deliverexceptional service every day. To our employees: