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Colony Bankcorp (CBAN) investor relations material

Colony Bankcorp Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary24 Jul, 2025

Executive summary

  • Net income rose to $8.0 million ($0.46 per diluted share) in Q2 2025, up from $5.5 million ($0.31) in Q2 2024, reflecting strong core earnings and operating leverage.

  • Announced a definitive merger agreement with TC Bancshares, Inc., a stock-and-cash deal valued at $86.1 million, expected to close in Q4 2025 and be immediately accretive to EPS, expanding presence in South Georgia and North Florida.

  • Operates nearly 40 locations across Georgia, Alabama, and Florida, with $3.12 billion in assets as of June 30, 2025.

  • Celebrated 50th anniversary by ringing the NYSE opening bell, marking a significant milestone and emphasizing community banking and innovation.

  • Focused on organic growth, efficiency, and leveraging technology for customer experience and operational improvements.

Financial highlights

  • Net interest income for Q2 2025 was $22.4 million, up from $18.4 million in Q2 2024, with net interest margin increasing to 3.12% from 2.68%.

  • Noninterest income for Q2 2025 was $10.1 million, a 6.3% increase year-over-year, led by mortgage and service charge revenue.

  • Noninterest expense for Q2 2025 was $22.0 million, up 8.2% year-over-year, mainly due to higher salaries, benefits, and IT expenses.

  • Provision for credit losses was $450,000 in Q2 2025, down from $650,000 in Q2 2024.

  • Total loans grew to $1.99 billion and total deposits were $2.56 billion at June 30, 2025.

Outlook and guidance

  • The TC Bancshares acquisition is expected to increase total assets to $3.8 billion, loans to $2.4 billion, and deposits to $3.1 billion, with immediate EPS accretion (excluding transaction costs).

  • Loan growth expected to moderate to 10–12% annualized in the second half of the year, with a healthy pipeline.

  • Margins anticipated to continue increasing, but at a more moderate pace.

  • Noninterest expenses projected to rise slightly to $21–22M per quarter, offset by higher noninterest and interest income.

  • Management expects stable economic and unemployment conditions in its markets, with delinquencies returning to normalized levels over the next year.

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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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