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Colony Bankcorp
Colony Bankcorp (CBAN) investor relations material
Colony Bankcorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved operating net income of $8.9 million in Q4 2025, with adjusted EPS of $0.48 and operating ROAA of 1.05%.
Net income for Q4 2025 was $7.8 million ($0.42 per diluted share), up from $5.8 million in Q3 2025 and $7.4 million in Q4 2024.
Completed the merger with TC Federal/TC Bancshares in December, significantly expanding assets and deposits and presence in Georgia and Florida.
Maintained 1% operating ROA for 2025 and set a new target of 1.20% ROA for 2026, expecting to reach this by Q2 2026.
Named one of American Banker’s 2025 Best Banks to Work For, the only Georgia-based bank on the list.
Financial highlights
Net interest income (tax-equivalent) for Q4 2025 was $26.0 million, up from $20.6 million in Q4 2024, driven by improved asset yields, lower cost of funds, and TC Federal addition.
Net interest margin increased to 3.32% in Q4 2025, up from 2.84% in Q4 2024.
Total loans (excluding held for sale) were $2.38 billion, up $344.2 million from the prior quarter; total deposits were $3.07 billion, up $483.2 million.
Operating non-interest income was $11.1 million, with mortgage and SBSL lines showing strong performance.
Tangible book value per share increased to $14.31; TCE ratio improved to 8.30%.
Outlook and guidance
Projecting modest net interest margin increases each quarter in 2026, with margin growth in the mid-single digits.
Organic loan growth for 2026 expected at the lower end of the 8%-12% target due to increased competition.
Short-term focus on achieving 1.20% ROAA, growing core deposits, and maintaining expense discipline.
Net non-interest expense to average assets expected to return to 1.45% by Q2 2026 as cost savings from the merger are realized.
Integration of TC Federal customers planned for completion in Q1 2026.
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Next Colony Bankcorp earnings date
Q1 202623 Apr, 2026
Colony Bankcorp
Next Colony Bankcorp earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Colony Bankcorp Inc, a bank holding company, provides various banking products and services to commercial and consumer customers. The company offers various deposit products to its customers, including demand, savings, and time deposits. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.
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