--- title: "Colony Bancorp | 8-K: FY2025 Q4 Revenue: USD 36.91 M" type: "News" locale: "zh-HK" url: "https://longbridge.com/zh-HK/news/274044345.md" datetime: "2026-01-28T21:21:37.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/274044345.md) - [en](https://longbridge.com/en/news/274044345.md) - [zh-HK](https://longbridge.com/zh-HK/news/274044345.md) --- > 支持的語言: [简体中文](https://longbridge.com/zh-CN/news/274044345.md) | [English](https://longbridge.com/en/news/274044345.md) # Colony Bancorp | 8-K: FY2025 Q4 Revenue: USD 36.91 M Revenue: As of FY2025 Q4, the actual value is USD 36.91 M. EPS: As of FY2025 Q4, the actual value is USD 0.42, beating the estimate of USD 0.36. EBIT: As of FY2025 Q4, the actual value is USD -16.31 M. #### Overview of Financial Performance 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 . However, the company announced its consolidated financial results for the fourth quarter and full year ended December 31, 2025, through a press release . #### Net Income 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 . 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 . #### Provision for Credit Losses 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 . #### Total Loans and Deposits 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 . Organic loan growth was 10.5% compared to December 31, 2024, and was flat compared to the prior quarter . 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 . 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 . Total deposits increased $499.6 million from December 31, 2024 . #### Mortgage Banking Division Performance 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 . #### Small Business Specialty Lending (SBSL) Division Performance 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 . #### Quarterly Cash Dividend The Board of Directors declared a quarterly cash dividend of $0.12 per share, scheduled for payment on February 25, 2026 . #### Total Assets and Borrowings 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. . Total borrowings reached $258.1 million at December 31, 2025, an increase of $10.0 million compared to September 30, 2025 . #### Capital Ratios 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% . 科勒尼银行 (Colony Bankcorp, Inc.) maintains a strong capital position exceeding regulatory minimums . #### Stock Repurchase Program 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 . #### Net Interest Income and Margin 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 . For the twelve months ended December 31, 2025, it totaled $92.6 million, compared to $76.8 million for the same period in 2024 . The net interest margin for the fourth quarter of 2025 was 3.32%, compared to 2.84% for the fourth quarter of 2024 . For the twelve months ended December 31, 2025, it was 3.14%, compared to 2.72% for the same period in 2024 . #### Noninterest Income and Expense 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 . 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 . 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 . 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 . #### Asset Quality Metrics 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 . Other real estate owned and repossessed assets totaled $1.2 million at December 31, 2025, up from $870,000 at September 30, 2025 . 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 . 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 . 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 . #### Segment Performance (Fourth Quarter 2025) - **Banking Division**: - Net interest income: $24.781 million - Provision for credit losses: $776 thousand - Noninterest income: $6.996 million - Noninterest expenses: $22.502 million - Segment income: $7.006 million - **Mortgage Banking Division**: - Net interest income: $65 thousand - Provision for credit losses: $0 - Noninterest income: $2.012 million - Noninterest expenses: $1.695 million - Segment income: $301 thousand - **Small Business Specialty Lending Division**: - Net interest income: $1.019 million - Provision for credit losses: $874 thousand - Noninterest income: $2.039 million - Noninterest expenses: $1.512 million - Segment income: $536 thousand #### Outlook / Guidance 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 . The company remains focused on maintaining strong credit discipline and sees significant opportunities for growth and progress in the upcoming year . ### 相關股票 - [Colony Bancorp (CBAN.US)](https://longbridge.com/zh-HK/quote/CBAN.US.md) ## 相關資訊與研究 - [A2Z Announces Audited Full-Year 2025 Financial Results | AZ Stock News](https://longbridge.com/zh-HK/news/281374835.md) - [Cintas (CTAS) Valuation Check After Q3 Results And Higher Fiscal 2026 Guidance](https://longbridge.com/zh-HK/news/281225115.md) - [UniCredit - as of YE25 group MREL equal to 30.6% of RWA, 10% of LRE](https://longbridge.com/zh-HK/news/281399909.md) - [Wealth First Promoters Confirm 74% Stake With No Encumbrance in FY26](https://longbridge.com/zh-HK/news/281530653.md) - [What You Need to Know Ahead of AbbVie’s Earnings Release](https://longbridge.com/zh-HK/news/281471479.md)