Revenue: As of FY2025, the actual value is USD 132.18 M.EPS: As of FY2025, the actual value is USD 1.59, beating the estimate of USD 1.49.EBIT: As of FY2025, the actual value is USD -57.51 M.<h4>Bank Segment</h4><ul><li>Total Assets: Approximately $3.7 billion as of December 31, 2025 .</li><li>Total Loans: $2.5 billion as of December 31, 2025 .</li><li>Total Deposits: $3.1 billion as of December 31, 2025 .</li><li>Stockholder’s Equity: $375.9 million as of December 31, 2025 .</li><li>Loans, Net of Unearned Fees: Increased by 29.2% to $2,381,224 thousand at December 31, 2025, from $1,842,980 thousand at December 31, 2024 .</li><li>Nonperforming Assets: Totaled $24,713 thousand at December 31, 2025, an increase of 117.9% from $11,342 thousand at December 31, 2024 . Nonperforming assets as a percentage of total assets increased to 0.66% at December 31, 2025, from 0.36% at December 31, 2024 .</li><li>Nonaccrual Loans: $23,380 thousand at December 31, 2025, an increase of $12,720 thousand or 119.3%, from $10,660 thousand at December 31, 2024 .</li><li>Loans Contractually Past Due 90 Days or More and Still Accruing: $95 thousand (eight loans) at December 31, 2025, compared to $152 thousand (six loans) at December 31, 2024 .</li><li>Other Real Estate Owned (OREO): Totaled $1,048 thousand at December 31, 2025, an increase of $846 thousand or 418.8%, compared with $202 thousand at December 31, 2024 .</li><li>Commercial Real Estate (CRE) Concentration: At December 31, 2025, construction, land &amp; land development concentration was 79.7% of capital, and CRE concentration, net of owner-occupied loans, was 282.5% of capital, both below established regulatory guidelines .</li><li>Loan Commitments: $422,592 thousand outstanding at December 31, 2025 .</li><li>Standby Letters of Credit: $5,382 thousand outstanding at December 31, 2025 .</li><li>Uninsured Deposits: $980.0 million at December 31, 2025, compared to $857.6 million at December 31, 2024 . Adjusted uninsured deposits were $576.5 million at December 31, 2025, compared to $457.3 million at December 31, 2024 .</li><li>Brokered Certificates of Deposit: $131.9 million, or 4.30% of total deposits, at December 31, 2025 .</li><li>Certificates of Deposit $250,000 or More: $239.2 million at December 31, 2025, representing 7.8% of total deposits .</li></ul><h4>Mortgage Banking Segment</h4><ul><li>Mortgage Fee Income: Increased by 24.59% to $7,535 thousand in 2025 from $6,048 thousand in 2024, driven by higher mortgage production .</li></ul><h4>Small Business Specialty Lending (SBSL) Division Segment</h4><ul><li>Gain on Sales of SBA Loans: Decreased by -41.87% to $5,372 thousand in 2025 from $9,242 thousand in 2024, due to selling fewer loans .</li><li>Government Guaranteed SBSL Loans: Totaled $9,553 thousand at December 31, 2025, down from $15,155 thousand at December 31, 2024 .</li></ul><h4>Other Key Financial Metrics (Company-wide)</h4><ul><li>Net Income: $28,253 thousand in 2025, compared to $23,868 thousand in 2024 .</li><li>Operating Net Income: $31,726 thousand in 2025, compared to $25,718 thousand in 2024 .</li><li>Net Interest Income: Increased by 20.8% to $91,901 thousand in 2025 from $76,076 thousand in 2024 . As a percentage of total income, net interest income was 69.5% in 2025 and 65.9% in 2024 .</li><li>Net Interest Margin (Taxable-Equivalent): 3.14% in 2025, compared to 2.72% in 2024 .</li><li>Net Interest Spread (Taxable-Equivalent): 2.70% in 2025, compared to 2.23% in 2024 .</li><li>Noninterest Income: Increased by 2.30% to $40,280 thousand in 2025 from $39,375 thousand in 2024 .</li><li>Operating Noninterest Income: $41,319 thousand in 2025, compared to $41,407 thousand in 2024 .</li><li>Noninterest Expense: Increased by 11.72% to $92,546 thousand in 2025 from $82,834 thousand in 2024 .</li><li>Operating Noninterest Expense: $89,231 thousand in 2025, compared to $82,546 thousand in 2024 .</li><li>Operating Efficiency Ratio: 66.98% in 2025, compared to 69.77% in 2024 .</li><li>Pre-provision Net Revenue: $39,635 thousand in 2025, compared to $32,617 thousand in 2024 .</li><li>Operating Pre-provision Net Revenue: $43,989 thousand in 2025, compared to $34,937 thousand in 2024 .</li><li>Provision for Credit Losses: $4,500 thousand in 2025, compared to $3,050 thousand in 2024, including $4,497 thousand for loans and $3 thousand for unfunded commitments in 2025 .</li><li>Allowance for Credit Losses on Loans: $23,014 thousand (0.97% of total loans) at December 31, 2025, compared to $18,980 thousand (1.03% of total loans) at December 31, 2024 .</li><li>Net Charge-offs: $5,082 thousand in 2025, compared to $3,003 thousand in 2024 .</li><li>Average Capital: $297.6 million (9.3% of average assets) in 2025, compared to $265.3 million (8.7% of average assets) in 2024 .</li><li>Cash Dividends Declared per Share: $0.46 in 2025, compared to $0.45 in 2024 .</li><li>Stock Buyback Program: As of December 31, 2025, Colony Bankcorp, Inc. repurchased 318,778 shares for $4,613 thousand since 2022, with $7,387 thousand remaining available for repurchase .</li></ul><h4>Outlook / Guidance</h4>Colony Bankcorp, Inc.’s net interest income sensitivity model projects an asset-sensitive position for the next twelve months . Net interest income is expected to increase by 4.33% and 8.10% with 100 and 200 basis point interest rate rises, respectively . Conversely, net interest income is projected to decline by -0.63% and -1.72% with 100 and 200 basis point interest rate decreases, staying within the policy limit .

Colony Bancorp | 10-K: FY2025 Revenue: USD 132.18 M