Fitzgerald, GA · Cert 22257 · Colony Bankcorp Inc.
State charter, non-member · FDIC · 33 branches
Q2 2026
Market Position · Albany, GA · 2026 SOD (annual) · 7.6% share · #6 of 15 inst. · $0.3B of $3.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.99% | 0.91% | 1.11% | 0.77% | 0.95% | 0.94% | 1.23% | +11 bps | |
| Return on Equity | 8.64% | 10.10% | 9.24% | 11.12% | 7.55% | 9.06% | 8.68% | 11.07% | -5 bps | |
| Net Interest Margin | 2.58% | 2.78% | 2.79% | 3.00% | 3.09% | 3.24% | 3.31% | 3.39% | +40 bps | |
| Efficiency Ratio | 69.23% | 65.67% | 65.17% | 65.39% | 71.11% | 67.47% | 67.03% | 60.92% | -447 bps | |
| Non-Interest Burden | 1.37% | 1.36% | 1.43% | 1.51% | 1.79% | 1.75% | 1.84% | 1.55% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.97% | 1.81% | 5.15% | 3.51% | 2.79% | 20.08% | 17.24% | 16.47% | +1,296 bps | |
| Loan Growth (YoY) | 1.14% | -1.50% | 2.96% | 5.77% | 7.45% | 30.67% | 24.86% | 23.48% | +1,771 bps | |
| Deposit Growth (YoY) | -2.53% | 0.88% | 3.87% | 4.31% | 2.32% | 19.29% | 16.05% | 16.11% | +1,180 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.57% | 0.64% | 0.53% | 0.70% | 0.95% | 0.73% | 0.76% | +23 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.33% | 0.12% | 0.21% | 0.36% | 0.26% | 0.28% | 0.29% | +8 bps | |
| Allowance / Loans | 1.03% | 1.01% | 1.03% | 0.95% | 0.88% | 0.94% | 0.89% | 0.89% | -6 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.8x | 1.6x | 1.8x | 1.3x | 1.0x | 1.2x | 1.2x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.51% | 9.55% | 9.62% | 9.48% | 9.83% | 10.78% | 9.95% | 9.97% | +49 bps | |
| Total Risk-Based Capital | 14.65% | 15.29% | 15.01% | 14.14% | 14.18% | 14.48% | 14.45% | 14.42% | +28 bps | |
| Equity / Assets | 9.76% | 9.78% | 9.95% | 10.05% | 10.27% | 10.69% | 10.98% | 11.18% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.80% | 72.49% | 73.47% | 77.79% | 78.55% | 79.41% | 79.05% | 82.72% | +494 bps | |
| Liquid Assets / Assets | 18.36% | 20.45% | 19.41% | 15.88% | 17.87% | 16.51% | 17.23% | 13.73% | -215 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 416% | 420% | 413% | n/a | n/a | |