Colony Bank
Fitzgerald, GA · Cert 22257 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Colony Bankcorp Inc.
State charter, non-member · FDIC · 33 branches
Q2 2026
$3.6BAssets
$2.5BLoans
$3.0BDeposits
$404.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 66% of banks $1B-$10B in assets operating regionally (rank 60 of 176).
- Widest gap: net charge-offs / loans trails 85% of banks $1B-$10B in assets operating regionally (rank 151 of 176).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.10%
Rank 107 of 176
Net Interest Margin
3.35%
Rank 122 of 176
Efficiency Ratio
64.96%
Rank 120 of 176
Equity / Assets
11.18%
Rank 62 of 176
Non-interest income vs. expense
Unfavorable gap of $62.7M · efficiency ratio beats 32% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.93% | 1.26% | 1.54% | Beats 39% | 107 / 176 | |
| Return on Equity | 9.87% | 9.26% | 11.89% | 14.46% | Beats 33% | 118 / 176 | |
| Net Interest Margin | 3.35% | 3.25% | 3.59% | 3.93% | Beats 31% | 122 / 176 | |
| Efficiency Ratio | 64.96% | 52.79% | 59.55% | 67.66% | Beats 32% | 120 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.30% | 0.64% | 1.32% | Beats 43% | 102 / 176 | |
| Net Charge-Offs / Loans | 0.15% | 0.01% | 0.04% | 0.10% | Beats 15% | 151 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 13.55% | 11.15% | 12.72% | 14.15% | Beats 66% | 60 / 176 | |
| Total Risk-Based Capital Ratio | 14.42% | 11.81% | 13.63% | 15.33% | Beats 63% | 65 / 176 | |
| Equity / Assets | 11.18% | 9.16% | 10.35% | 11.80% | Beats 65% | 62 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 82.72% | 80.94% | 89.73% | 97.21% | 29th pctl | 125 / 176 | |
| Loans / Assets | 68.88% | 69.25% | 75.12% | 80.82% | 23rd pctl | 135 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |