CBAN on NYSE
COLONY BANKCORP INC
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Last updated Oct 16, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Mortgage Banking brought in 38% of the revenue COLONY BANKCORP INC broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2024 | 2025 |
|---|---|---|
| Mortgage Banking | $9.4M | $2.2M |
| Credit Card | $8.3M | $1.9M |
| Bank Servicing | $6.0M | $1.6M |
Business segments
Mortgage brought in 99% of the revenue COLONY BANKCORP INC broke down this way in fiscal 2025.
Business segments by year
| Business segments | 2024 | 2025 |
|---|---|---|
| Mortgage | $6.0M | $7.4M |
| Bank | $70.0K | $109.0K |
Financial statements
Every line of the income statement in the latest annual report, as filed.4
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Loans, including fees | $124.3M | $111.7M |
| Investment securities | $19.4M | $21.0M |
| Deposits with other banks and short term investments | $6.2M | $4.6M |
| Total interest income | $150.0M | $137.2M |
| Deposits | $46.7M | $50.0M |
| Federal Home Loan Bank advances | $7.6M | $7.2M |
| Other borrowings | $3.7M | $3.9M |
| Total interest expense | $58.1M | $61.2M |
| Net Interest Income | $91.9M | $76.1M |
| Provision for credit losses | $4.5M | $3.0M |
| Net interest income after provision for credit losses | $87.4M | $73.0M |
| Gain on sales of SBA loans | $5.4M | $9.2M |
| Loss on sales of securities | -$1.0M | -$1.8M |
| BOLI income | $1.8M | $1.7M |
| Insurance commissions | $2.9M | $1.8M |
| Other | $5.6M | $4.7M |
| Total noninterest income | $40.3M | $39.4M |
| Salaries and employee benefits | $52.4M | $49.8M |
| Occupancy and equipment | $6.8M | $6.1M |
| Acquisition related expenses | $2.1M | $0 |
| Information technology expense | $10.7M | $9.0M |
| Professional fees | $3.5M | $2.8M |
| Advertising and public relations | $4.3M | $4.0M |
| Communications | $805.0K | $865.0K |
| Other | $12.1M | $10.2M |
| Total noninterest expense | $92.5M | $82.8M |
| Income before income taxes | $35.1M | $29.6M |
| Income taxes | $6.9M | $5.7M |
| Net income | $28.3M | $23.9M |
| Basic (in dollars per share) | $1.59 | $1.36 |
| Diluted (in dollars per share) | $1.59 | $1.36 |
| Cash dividends declared per share of common stock (in dollars per share) | $0.46 | $0.45 |
| Weighted average shares outstanding, basic (in shares) | 17.8M shares | 17.6M shares |
| Weighted average shares outstanding, diluted (in shares) | 17.8M shares | 17.6M shares |
Every line of the balance sheet in the latest annual report, as filed.4
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $27.3M | $26.0M | |
| Interest-bearing deposits in banks and federal funds sold | $230.3M | $205.0M | |
| Cash and cash equivalents | $257.6M | $231.0M | |
| Investment securities available-for-sale, at fair value (amortized cost $412,395 and $409,380, respectively) | $383.8M | $366.0M | |
| Investment securities held-to-maturity, at amortized cost (fair value $354,290 and $383,020, respectively) | $386.6M | $430.1M | |
| Other investments | $19.2M | $17.7M | |
| Loans held for sale | $79.0M | $39.8M | |
| Loans | $2.4B | $1.8B | |
| Allowance for credit losses | -$23.0M | -$19.0M | -$18.4M |
| Loans, net | $2.4B | $1.8B | |
| Premises and equipment | $37.0M | $37.8M | |
| Other real estate owned | $1.0M | $202.0K | $448.0K |
| Goodwill | $63.9M | $48.9M | $48.9M |
| Other intangible assets | $7.9M | $3.0M | |
| Bank-owned life insurance | $68.5M | $58.0M | |
| Deferred income taxes, net | $19.6M | $21.9M | |
| Other assets | $53.1M | $31.4M | |
| Total assets | $3.7B | $3.1B | |
| Noninterest-bearing | $526.8M | $462.3M | |
| Interest-bearing | $2.5B | $2.1B | |
| Total deposits | $3.1B | $2.6B | |
| Federal Home Loan Bank advances | $195.0M | $185.0M | |
| Other borrowed money | $63.1M | $63.0M | |
| Other liabilities | $33.9M | $15.1M | |
| Total liabilities | $3.4B | $2.8B | |
| Preferred stock, no par value; 10,000,000 shares authorized, none issued or outstanding as of December 31, 2025 and 2024, respectively | $0 | $0 | |
| Common stock, par value $1.00 per share; 50,000,000 shares authorized, 21,251,695 and 17,519,884 shares issued and outstanding as of December 31, 2025 and 2024, respectively | $21.3M | $17.5M | |
| Paid-in capital | $228.6M | $168.4M | |
| Retained earnings | $160.6M | $140.4M | |
| Accumulated other comprehensive loss, net of tax | -$34.5M | -$47.6M | |
| Total stockholders equity | $375.9M | $278.7M | $254.9M |
| Total liabilities and stockholders equity | $3.7B | $3.1B | |
| Amortized Cost | $412.4M | $409.4M | |
| Fair Value | $354.3M | $383.0M | |
| Preferred stock, stated value (in dollars per share) | $0.00 | $0.00 | |
| Preferred stock, shares authorized (in shares) | 10.0M shares | 10.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | |
| Common stock, par value (in dollars per share) | $1.00 | $1.00 | |
| Common stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | |
| Common stock, shares issued (in shares) | 21.3M shares | 17.5M shares | |
| Common stock, shares outstanding (in shares) | 21.3M shares | 17.5M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.4
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $28.3M | $23.9M |
| Provision for credit losses | $4.5M | $3.0M |
| Depreciation, amortization and accretion | $7.7M | $8.1M |
| Stock-based compensation expense | $785.0K | $1.3M |
| Loss on sales of securities | $1.0M | $1.8M |
| Net change in servicing asset | -$192.0K | -$1.5M |
| Loss (gain) on sales of other real estate owned and repossessions | $134.0K | -$169.0K |
| Loss on sales of premises & equipment | $0 | $5.0K |
| Writedown of bank building | $0 | $197.0K |
| Change in bank owned life insurance | -$1.8M | -$1.7M |
| Equity method investment loss | -$299.0K | -$270.0K |
| Deferred tax expense | $2.1M | $755.0K |
| Gain on sales of SBA loans | -$5.4M | -$9.2M |
| Originations of loans held for sale | -$353.3M | -$301.6M |
| Proceeds from sales of loans held for sale | $319.4M | $299.0M |
| Change in other assets | -$9.0M | -$1.9M |
| Change in other liabilities | $443.0K | $1.6M |
| Net cash provided by (used in) operating activities | -$5.5M | $23.4M |
| Purchases of investment securities, available-for-sale | -$22.7M | -$56.6M |
| Proceeds from maturities, calls, and paydowns of investment securities, available-for-sale | $55.5M | $69.2M |
| Proceeds from sales of investment securities, available-for-sale | $55.5M | $29.9M |
| Proceeds from maturities, calls, and paydowns of investment securities, held-to-maturity | $27.5M | $17.4M |
| Proceeds from sales of investment securities, held-to-maturity | $17.9M | $4.0M |
| Net change in loans | -$132.3M | $37.0M |
| Purchase of premises and equipment | -$1.4M | -$1.1M |
| Proceeds from sales of other real estate owned and repossessions | $610.0K | $1.3M |
| Proceeds from settlement of bank owned life insurance policies | $4.5M | $681.0K |
| Purchase of Federal Home Loan Bank stock | -$39.0K | -$556.0K |
| Proceeds from sales of premises and equipment | $0 | $77.0K |
| Proceeds from insurance related to fire at bank branch | $875.0K | $0 |
| Net cash and cash equivalents received from bank acquisition | $916.0K | $0 |
| Net cash and cash equivalents received from bank acquisition | -$3.5M | $0 |
| Net cash provided by investing activities | $3.4M | $101.2M |
| Change in noninterest-bearing customer deposits | $8.2M | -$36.7M |
| Change in interest-bearing customer deposits | $31.3M | $59.9M |
| Dividends paid on common stock | -$8.0M | -$7.9M |
| Proceeds from Federal Home Loan Bank advances | $200.0M | $270.0M |
| Repayments of Federal Home Loan Bank advances | -$200.0M | -$260.0M |
| Proceeds from other borrowings | $75.0M | $20.0M |
| Repayments on other borrowings | -$75.0M | -$20.0M |
| Redemption of subordinated debt | $0 | -$500.0K |
| Repurchase and retirement of shares | -$2.4M | -$1.3M |
| Cash paid for tax withholding related to vesting of restricted stock | -$311.0K | -$296.0K |
| Net cash provided by financing activities | $28.7M | $23.2M |
| Net increase in cash and cash equivalents | $26.6M | $147.7M |
| Cash paid during the period for interest | $57.3M | $61.8M |
| Cash paid during the period for income taxes | $4.4M | $4.7M |
| Transfers to other real estate | $1.2M | $854.0K |
Recent filings
- Sep 17, 20268-K
- Aug 27, 2026424B4
- Aug 27, 2026EFFECT
- Aug 26, 20264
- Aug 25, 2026S-4/A
- Aug 20, 20264
- Aug 14, 2026SCHEDULE 13G/A
- Aug 14, 2026S-4
- Aug 5, 202610-Q
- Aug 3, 20264
- Jul 31, 2026SCHEDULE 13G/A
- Jul 22, 20268-K
- Jul 17, 20264
- Jul 17, 20264
- Jul 17, 20264
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
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