<span item_type="fundamental" item_id="1c9b2a653cf4ed34108b2c44d9f529b7" counter_id="ST/US/CBAN" env="prod"></span><span item_type="announcement" item_id="609978980245505921" env="prod"></span><p>Revenue: As of FY2025 Q4, the actual value is USD 36.91 M.</p><p>EPS: As of FY2025 Q4, the actual value is USD 0.42, beating the estimate of USD 0.36.</p><p>EBIT: As of FY2025 Q4, the actual value is USD -16.31 M.</p><p></p><h4>Overview of Financial Performance</h4><p>Colony Bankcorp, Inc. did not provide specific segment revenue, operational metrics such as gross margin, operating profit, operating margin, operating costs, or cash flow figures in the employment agreement documents <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/cban-20260128.htm"></span>. However, the company announced its consolidated financial results for the fourth quarter and full year ended December 31, 2025, through a press release <span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/cban-20260128.htm"></span>.</p><h4>Net Income</h4><p>For the fourth quarter of 2025, 科勒尼银行 (Colony Bankcorp, Inc.) reported net income of $7.8 million, compared to $5.8 million for the third quarter of 2025, and $7.4 million for the fourth quarter of 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. Operating net income for the fourth quarter of 2025 was $8.9 million, up from $8.2 million in the third quarter of 2025, and $7.8 million in the fourth quarter of 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p><h4>Provision for Credit Losses</h4><p>A provision for credit losses of $1.65 million was recorded in the fourth quarter of 2025, an increase from $900,000 in the third quarter of 2025, and $650,000 in the fourth quarter of 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p><h4>Total Loans and Deposits</h4><p>Total loans, excluding loans held for sale, reached $2.38 billion at December 31, 2025, representing an increase of $344.2 million, or 16.90%, from the prior quarter <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. Organic loan growth was 10.5% compared to December 31, 2024, and was flat compared to the prior quarter <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. Total deposits stood at $3.07 billion at December 31, 2025, an increase of $483.2 million from $2.58 billion at September 30, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. This increase included $121.2 million in interest-bearing demand deposits, $143.5 million in savings and money market deposits, and $133.8 million in time deposits from September 30, 2025, to December 31, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. Total deposits increased $499.6 million from December 31, 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p><h4>Mortgage Banking Division Performance</h4><p>Mortgage production amounted to $89.5 million and mortgage sales totaled $68.1 million in the fourth quarter of 2025, compared to $87.3 million in production and $65.1 million in sales for the third quarter of 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p><h4>Small Business Specialty Lending (SBSL) Division Performance</h4><p>The SBSL division closed $29.1 million in Small Business Administration (SBA) loans and sold $16.8 million in SBA loans in the fourth quarter of 2025, compared to $28.4 million in loans closed and $18.2 million in loans sold for the third quarter of 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p><h4>Quarterly Cash Dividend</h4><p>The Board of Directors declared a quarterly cash dividend of $0.12 per share, scheduled for payment on February 25, 2026 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p><h4>Total Assets and Borrowings</h4><p>Total assets were $3.74 billion at December 31, 2025, an increase of $582.7 million from September 30, 2025, primarily driven by the acquisition of TC Bancshares, Inc. <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. Total borrowings reached $258.1 million at December 31, 2025, an increase of $10.0 million compared to September 30, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p><h4>Capital Ratios</h4><p>As of December 31, 2025, preliminary capital ratios included a tier one leverage ratio of 10.78%, a tier one capital ratio of 13.60%, a total risk-based capital ratio of 15.95%, and a common equity tier one capital ratio of 12.68% <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. 科勒尼银行 (Colony Bankcorp, Inc.) maintains a strong capital position exceeding regulatory minimums <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p><h4>Stock Repurchase Program</h4><p>A total of 46,973 shares of common stock were repurchased during the fourth quarter of 2025 at an average price of $16.50 per share, totaling $775,064 thousand <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p><h4>Net Interest Income and Margin</h4><p>Net interest income (tax-equivalent basis) for the fourth quarter ended December 31, 2025, was $26.0 million, up from $20.6 million for the same period in 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. For the twelve months ended December 31, 2025, it totaled $92.6 million, compared to $76.8 million for the same period in 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. The net interest margin for the fourth quarter of 2025 was 3.32%, compared to 2.84% for the fourth quarter of 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. For the twelve months ended December 31, 2025, it was 3.14%, compared to 2.72% for the same period in 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p><h4>Noninterest Income and Expense</h4><p>Noninterest income totaled $11.0 million for the fourth quarter ended December 31, 2025, an increase of $738,000, or 7.16%, compared to the same period in 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. For the twelve months ended December 31, 2025, it totaled $40.3 million, an increase of $905,000, or 2.30%, compared to the same period in 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. Noninterest expense totaled $25.7 million for the fourth quarter ended December 31, 2025, compared to $21.3 million for the same period in 2024 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. For the twelve months ended December 31, 2025, it totaled $92.5 million, compared to $82.8 million for the same period in 2024, attributed to higher salaries, benefits, occupancy, IT, professional fees, acquisition-related expenses, and a wire fraud loss <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p><h4>Asset Quality Metrics</h4><p>Nonperforming assets (NPAs) totaled $24.7 million at December 31, 2025, an increase of $9.5 million from $15.2 million at September 30, 2025, which includes additions from the TC Federal acquisition <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. Other real estate owned and repossessed assets totaled $1.2 million at December 31, 2025, up from $870,000 at September 30, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. Net loans charged-off were $1.6 million, or 0.30% of average loans, for the fourth quarter of 2025, compared to $1.8 million, or 0.36%, for the third quarter of 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. The credit loss reserve was $23.0 million, or 0.97% of total loans, at December 31, 2025, compared to $18.1 million, or 0.89% of total loans, at September 30, 2025 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. An initial allowance for credit losses of $4.6 million related to the TC Federal Bank acquired loan portfolio was recorded due to the adoption of ASU 2025-08 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p><h4>Segment Performance (Fourth Quarter 2025)</h4><ul><li><strong>Banking Division</strong>:<ul><li>Net interest income: $24.781 million <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li><li>Provision for credit losses: $776 thousand <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li><li>Noninterest income: $6.996 million <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li><li>Noninterest expenses: $22.502 million <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li><li>Segment income: $7.006 million <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li></ul></li><li><strong>Mortgage Banking Division</strong>:<ul><li>Net interest income: $65 thousand <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li><li>Provision for credit losses: $0 <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li><li>Noninterest income: $2.012 million <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li><li>Noninterest expenses: $1.695 million <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li><li>Segment income: $301 thousand <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li></ul></li><li><strong>Small Business Specialty Lending Division</strong>:<ul><li>Net interest income: $1.019 million <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li><li>Provision for credit losses: $874 thousand <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li><li>Noninterest income: $2.039 million <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li><li>Noninterest expenses: $1.512 million <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li><li>Segment income: $536 thousand <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span></li></ul></li></ul><h4>Outlook / Guidance</h4><p>科勒尼银行 (Colony Bankcorp, Inc.) anticipates continued margin expansion over the next year and expects to fully integrate acquired customers in the first quarter of 2026 following the planned systems conversion <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>. The company remains focused on maintaining strong credit discipline and sees significant opportunities for growth and progress in the upcoming year <span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/a4q2025er.htm"></span>.</p>

Colony Bancorp | 8-K: FY2025 Q4 Revenue: USD 36.91 M