Company: CMTV
Filing Date: 2025-08-14
Form Type: 10-Q
Source: 0001654954-25-009542
Chunk: 94

Company: COMMUNITY BANCORP /VT
Filing Date: 2025-08-14
Form: 10-Q
Item: Part I, Item 2
Chunk 94
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 or determine actual results are unpredictable and not within the Company's control.

Factors that may cause actual results to differ materially from those contemplated by these forward-looking statements include, among others, the following possibilities: 

 ·interest rates change in such a way as to negatively affect loan demand, the local economy or the Company's net income, asset valuations or margins; ·general economic or business conditions, either internationally (including due to changing tariff policies), nationally, regionally or locally, deteriorate, resulting in a decline in credit quality or a diminished demand for the Company's products and services; ·the impact of inflation and slowing economic growth on the Company’s customers and on its financial results and performance; ·the effect of United States monetary and fiscal policies, including deficit spending and the interest rate policies of the FRB and its regulation of the money supply; ·changes in applicable accounting policies, practices and standards; ·the geographic concentration of the Company’s loan portfolio and deposit base; ·reductions in deposit levels, which necessitate increased borrowings to fund loans and sale of investment securities; ·increases in the level of nonperforming assets and charge-offs; ·changes in federal or state tax laws or policy; ·changes in laws or government rules, including the rules of the federal Consumer Financial Protection Bureau, or the way in which courts or government agencies interpret or implement those laws or rules, may increase our costs of doing business, causing us to limit or change our product offerings or pricing, or otherwise adversely affect the Company's business; ·regulatory responses to high profile bank failures increase our costs of operation, including through regulatory compliance changes and higher FDIC deposit insurance assessments to replenish the Bank Insurance Fund (BIF); ·competitive pressures increase among financial service providers in the Company's northern New England market area or in the financial services industry generally, including competitive pressures from non-bank lenders, payment systems and other financial service providers, from increasing consolidation and integration of financial service providers, and from changes in technology and delivery systems;

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 ·cybersecurity risks, including risks to our vendors, could adversely affect the Company’s business, financial performance or reputation and could result in financial liability for losses incurred by customers or others due to data breaches or other compromise of the Company’s information security systems; ·higher-than-expected costs are incurred relating to information technology or difficulties arise in implementing technological enhancements; ·management’s risk management measures may not be completely