--- title: "Colony Bancorp | 10-K: FY2025 Revenue: USD 132.18 M" type: "News" locale: "zh-CN" url: "https://longbridge.com/zh-CN/news/279057986.md" datetime: "2026-03-13T14:08:29.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/279057986.md) - [en](https://longbridge.com/en/news/279057986.md) - [zh-HK](https://longbridge.com/zh-HK/news/279057986.md) --- > 支持的语言: [English](https://longbridge.com/en/news/279057986.md) | [繁體中文](https://longbridge.com/zh-HK/news/279057986.md) # Colony Bancorp | 10-K: FY2025 Revenue: USD 132.18 M 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. #### Bank Segment - **Total Assets**: Approximately $3.7 billion as of December 31, 2025 . - **Total Loans**: $2.5 billion as of December 31, 2025 . - **Total Deposits**: $3.1 billion as of December 31, 2025 . - **Stockholder’s Equity**: $375.9 million as of December 31, 2025 . - **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 . - **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 . - **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 . - **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 . - **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 . - **Commercial Real Estate (CRE) Concentration**: At December 31, 2025, construction, land & 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 . - **Loan Commitments**: $422,592 thousand outstanding at December 31, 2025 . - **Standby Letters of Credit**: $5,382 thousand outstanding at December 31, 2025 . - **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 . - **Brokered Certificates of Deposit**: $131.9 million, or 4.30% of total deposits, at December 31, 2025 . - **Certificates of Deposit $250,000 or More**: $239.2 million at December 31, 2025, representing 7.8% of total deposits . #### Mortgage Banking Segment - **Mortgage Fee Income**: Increased by 24.59% to $7,535 thousand in 2025 from $6,048 thousand in 2024, driven by higher mortgage production . #### Small Business Specialty Lending (SBSL) Division Segment - **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 . - **Government Guaranteed SBSL Loans**: Totaled $9,553 thousand at December 31, 2025, down from $15,155 thousand at December 31, 2024 . #### Other Key Financial Metrics (Company-wide) - **Net Income**: $28,253 thousand in 2025, compared to $23,868 thousand in 2024 . - **Operating Net Income**: $31,726 thousand in 2025, compared to $25,718 thousand in 2024 . - **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 . - **Net Interest Margin (Taxable-Equivalent)**: 3.14% in 2025, compared to 2.72% in 2024 . - **Net Interest Spread (Taxable-Equivalent)**: 2.70% in 2025, compared to 2.23% in 2024 . - **Noninterest Income**: Increased by 2.30% to $40,280 thousand in 2025 from $39,375 thousand in 2024 . - **Operating Noninterest Income**: $41,319 thousand in 2025, compared to $41,407 thousand in 2024 . - **Noninterest Expense**: Increased by 11.72% to $92,546 thousand in 2025 from $82,834 thousand in 2024 . - **Operating Noninterest Expense**: $89,231 thousand in 2025, compared to $82,546 thousand in 2024 . - **Operating Efficiency Ratio**: 66.98% in 2025, compared to 69.77% in 2024 . - **Pre-provision Net Revenue**: $39,635 thousand in 2025, compared to $32,617 thousand in 2024 . - **Operating Pre-provision Net Revenue**: $43,989 thousand in 2025, compared to $34,937 thousand in 2024 . - **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 . - **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 . - **Net Charge-offs**: $5,082 thousand in 2025, compared to $3,003 thousand in 2024 . - **Average Capital**: $297.6 million (9.3% of average assets) in 2025, compared to $265.3 million (8.7% of average assets) in 2024 . - **Cash Dividends Declared per Share**: $0.46 in 2025, compared to $0.45 in 2024 . - **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 . #### Outlook / Guidance 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 . ### 相关股票 - [Colony Bancorp (CBAN.US)](https://longbridge.com/zh-CN/quote/CBAN.US.md) ## 相关资讯与研究 - [Berenberg Lifts FY26 Estimates for Ferrari on Expected 'Strong' Q1](https://longbridge.com/zh-CN/news/281471058.md) - [Scinai Immunotherapeutics reports FY results](https://longbridge.com/zh-CN/news/281477360.md) - [Wealth First Promoters Confirm 74% Stake With No Encumbrance in FY26](https://longbridge.com/zh-CN/news/281530653.md) - [Cintas (CTAS) Valuation Check After Q3 Results And Higher Fiscal 2026 Guidance](https://longbridge.com/zh-CN/news/281225115.md) - [Centene's Q1 2026 Earnings: What to Expect](https://longbridge.com/zh-CN/news/281503611.md)