Overview
- TickerCBAN on NYSE1
- IndustryState Commercial Banks1
- HeadquartersFitzgerald, Georgia1
- Incorporated inGA2
- Business address115 South Grant Street, ., Fitzgerald, Ga 317502
- Filer categoryAccelerated filer2
- Legal formCorporation
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Colony Bankcorp, Inc. (the “Company” or “Colony”) is a financial services company and a registered bank holding company headquartered in Fitzgerald, Georgia. The Company was incorporated on November 8, 1982 under the laws of the State of Georgia. The Company was organized for the purpose of operating as a bank holding company under the Bank Holding Company Act of 1956, as amended, and the bank holding company laws of Georgia. Our business is conducted primarily through our wholly-owned bank subsidiary, Colony Bank, a Georgia state-chartered commercial bank, which provides a broad range of banking services to its retail and commercial customers. We operate locations throughout Georgia as well as in Birmingham, Alabama, and Jacksonville, Santa Rosa Beach and Tallahassee, Florida. At December 31, 2025, we had approximately $3.7 billion in total assets, $2.5 billion in total loans, $3.1 bill…4 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Mortgage Banking brought in 38% of the revenue COLONY BANKCORP INC broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2024 | 2025 |
|---|---|---|
| Mortgage Banking | $9.4M | $2.2M |
| Credit Card | $8.3M | $1.9M |
| Bank Servicing | $6.0M | $1.6M |
Business segments
Mortgage brought in 99% of the revenue COLONY BANKCORP INC broke down this way in fiscal 2025.
Business segments by year
| Business segments | 2024 | 2025 |
|---|---|---|
| Mortgage | $6.0M | $7.4M |
| Bank | $70.0K | $109.0K |
Financial statements
Every line of the income statement as filed: the last 2 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Loans, including fees | $124.3M | $111.7M |
| Investment securities | $19.4M | $21.0M |
| Deposits with other banks and short term investments | $6.2M | $4.6M |
| Total interest income | $150.0M | $137.2M |
| Deposits | $46.7M | $50.0M |
| Federal Home Loan Bank advances | $7.6M | $7.2M |
| Other borrowings | $3.7M | $3.9M |
| Total interest expense | $58.1M | $61.2M |
| Net Interest Income | $91.9M | $76.1M |
| Provision for credit losses | $4.5M | $3.0M |
| Net interest income after provision for credit losses | $87.4M | $73.0M |
| Gain on sales of SBA loans | $5.4M | $9.2M |
| Loss on sales of securities | -$1.0M | -$1.8M |
| BOLI income | $1.8M | $1.7M |
| Insurance commissions | $2.9M | $1.8M |
| Other | $5.6M | $4.7M |
| Total noninterest income | $40.3M | $39.4M |
| Salaries and employee benefits | $52.4M | $49.8M |
| Occupancy and equipment | $6.8M | $6.1M |
| Acquisition related expenses | $2.1M | $0 |
| Information technology expense | $10.7M | $9.0M |
| Professional fees | $3.5M | $2.8M |
| Advertising and public relations | $4.3M | $4.0M |
| Communications | $805.0K | $865.0K |
| Other | $12.1M | $10.2M |
| Total noninterest expense | $92.5M | $82.8M |
| Income before income taxes | $35.1M | $29.6M |
| Income taxes | $6.9M | $5.7M |
| Net income | $28.3M | $23.9M |
| Basic (in dollars per share) | $1.59 | $1.36 |
| Diluted (in dollars per share) | $1.59 | $1.36 |
| Cash dividends declared per share of common stock (in dollars per share) | $0.46 | $0.45 |
| Weighted average shares outstanding, basic (in shares) | 17.8M shares | 17.6M shares |
| Weighted average shares outstanding, diluted (in shares) | 17.8M shares | 17.6M shares |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $27.3M | $26.0M | |
| Interest-bearing deposits in banks and federal funds sold | $230.3M | $205.0M | |
| Cash and cash equivalents | $257.6M | $231.0M | |
| Investment securities available-for-sale, at fair value (amortized cost $412,395 and $409,380, respectively) | $383.8M | $366.0M | |
| Investment securities held-to-maturity, at amortized cost (fair value $354,290 and $383,020, respectively) | $386.6M | $430.1M | |
| Other investments | $19.2M | $17.7M | |
| Loans held for sale | $79.0M | $39.8M | |
| Loans | $2.4B | $1.8B | |
| Allowance for credit losses | -$23.0M | -$19.0M | -$18.4M |
| Loans, net | $2.4B | $1.8B | |
| Premises and equipment | $37.0M | $37.8M | |
| Other real estate owned | $1.0M | $202.0K | $448.0K |
| Goodwill | $63.9M | $48.9M | $48.9M |
| Other intangible assets | $7.9M | $3.0M | |
| Bank-owned life insurance | $68.5M | $58.0M | |
| Deferred income taxes, net | $19.6M | $21.9M | |
| Other assets | $53.1M | $31.4M | |
| Total assets | $3.7B | $3.1B | |
| Noninterest-bearing | $526.8M | $462.3M | |
| Interest-bearing | $2.5B | $2.1B | |
| Total deposits | $3.1B | $2.6B | |
| Federal Home Loan Bank advances | $195.0M | $185.0M | |
| Other borrowed money | $63.1M | $63.0M | |
| Other liabilities | $33.9M | $15.1M | |
| Total liabilities | $3.4B | $2.8B | |
| Preferred stock, no par value; 10,000,000 shares authorized, none issued or outstanding as of December 31, 2025 and 2024, respectively | $0 | $0 | |
| Common stock, par value $1.00 per share; 50,000,000 shares authorized, 21,251,695 and 17,519,884 shares issued and outstanding as of December 31, 2025 and 2024, respectively | $21.3M | $17.5M | |
| Paid-in capital | $228.6M | $168.4M | |
| Retained earnings | $160.6M | $140.4M | |
| Accumulated other comprehensive loss, net of tax | -$34.5M | -$47.6M | |
| Total stockholders equity | $375.9M | $278.7M | $254.9M |
| Total liabilities and stockholders equity | $3.7B | $3.1B | |
| Amortized Cost | $412.4M | $409.4M | |
| Fair Value | $354.3M | $383.0M | |
| Preferred stock, stated value (in dollars per share) | $0.00 | $0.00 | |
| Preferred stock, shares authorized (in shares) | 10.0M shares | 10.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | |
| Common stock, par value (in dollars per share) | $1.00 | $1.00 | |
| Common stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | |
| Common stock, shares issued (in shares) | 21.3M shares | 17.5M shares | |
| Common stock, shares outstanding (in shares) | 21.3M shares | 17.5M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $27.3M | $26.0M | |
| Interest-bearing deposits in banks and federal funds sold | $230.3M | $205.0M | |
| Cash and cash equivalents | $257.6M | $231.0M | |
| Investment securities available-for-sale, at fair value (amortized cost $412,395 and $409,380, respectively) | $383.8M | $366.0M | |
| Investment securities held-to-maturity, at amortized cost (fair value $354,290 and $383,020, respectively) | $386.6M | $430.1M | |
| Other investments | $19.2M | $17.7M | |
| Loans held for sale | $79.0M | $39.8M | |
| Loans | $2.4B | $1.8B | |
| Allowance for credit losses | -$23.0M | -$19.0M | -$18.4M |
| Loans, net | $2.4B | $1.8B | |
| Premises and equipment | $37.0M | $37.8M | |
| Other real estate owned | $1.0M | $202.0K | $448.0K |
| Goodwill | $63.9M | $48.9M | $48.9M |
| Other intangible assets | $7.9M | $3.0M | |
| Bank-owned life insurance | $68.5M | $58.0M | |
| Deferred income taxes, net | $19.6M | $21.9M | |
| Other assets | $53.1M | $31.4M | |
| Total assets | $3.7B | $3.1B | |
| Noninterest-bearing | $526.8M | $462.3M | |
| Interest-bearing | $2.5B | $2.1B | |
| Total deposits | $3.1B | $2.6B | |
| Federal Home Loan Bank advances | $195.0M | $185.0M | |
| Other borrowed money | $63.1M | $63.0M | |
| Other liabilities | $33.9M | $15.1M | |
| Total liabilities | $3.4B | $2.8B | |
| Preferred stock, no par value; 10,000,000 shares authorized, none issued or outstanding as of December 31, 2025 and 2024, respectively | $0 | $0 | |
| Common stock, par value $1.00 per share; 50,000,000 shares authorized, 21,251,695 and 17,519,884 shares issued and outstanding as of December 31, 2025 and 2024, respectively | $21.3M | $17.5M | |
| Paid-in capital | $228.6M | $168.4M | |
| Retained earnings | $160.6M | $140.4M | |
| Accumulated other comprehensive loss, net of tax | -$34.5M | -$47.6M | |
| Total stockholders equity | $375.9M | $278.7M | $254.9M |
| Total liabilities and stockholders equity | $3.7B | $3.1B | |
| Amortized Cost | $412.4M | $409.4M | |
| Fair Value | $354.3M | $383.0M | |
| Preferred stock, stated value (in dollars per share) | $0.00 | $0.00 | |
| Preferred stock, shares authorized (in shares) | 10.0M shares | 10.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | |
| Common stock, par value (in dollars per share) | $1.00 | $1.00 | |
| Common stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | |
| Common stock, shares issued (in shares) | 21.3M shares | 17.5M shares | |
| Common stock, shares outstanding (in shares) | 21.3M shares | 17.5M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $28.3M | $23.9M |
| Provision for credit losses | $4.5M | $3.0M |
| Depreciation, amortization and accretion | $7.7M | $8.1M |
| Stock-based compensation expense | $785.0K | $1.3M |
| Loss on sales of securities | $1.0M | $1.8M |
| Net change in servicing asset | -$192.0K | -$1.5M |
| Loss (gain) on sales of other real estate owned and repossessions | $134.0K | -$169.0K |
| Loss on sales of premises & equipment | $0 | $5.0K |
| Writedown of bank building | $0 | $197.0K |
| Change in bank owned life insurance | -$1.8M | -$1.7M |
| Equity method investment loss | -$299.0K | -$270.0K |
| Deferred tax expense | $2.1M | $755.0K |
| Gain on sales of SBA loans | -$5.4M | -$9.2M |
| Originations of loans held for sale | -$353.3M | -$301.6M |
| Proceeds from sales of loans held for sale | $319.4M | $299.0M |
| Change in other assets | -$9.0M | -$1.9M |
| Change in other liabilities | $443.0K | $1.6M |
| Net cash provided by (used in) operating activities | -$5.5M | $23.4M |
| Purchases of investment securities, available-for-sale | -$22.7M | -$56.6M |
| Proceeds from maturities, calls, and paydowns of investment securities, available-for-sale | $55.5M | $69.2M |
| Proceeds from sales of investment securities, available-for-sale | $55.5M | $29.9M |
| Proceeds from maturities, calls, and paydowns of investment securities, held-to-maturity | $27.5M | $17.4M |
| Proceeds from sales of investment securities, held-to-maturity | $17.9M | $4.0M |
| Net change in loans | -$132.3M | $37.0M |
| Purchase of premises and equipment | -$1.4M | -$1.1M |
| Proceeds from sales of other real estate owned and repossessions | $610.0K | $1.3M |
| Proceeds from settlement of bank owned life insurance policies | $4.5M | $681.0K |
| Purchase of Federal Home Loan Bank stock | -$39.0K | -$556.0K |
| Proceeds from sales of premises and equipment | $0 | $77.0K |
| Proceeds from insurance related to fire at bank branch | $875.0K | $0 |
| Net cash and cash equivalents received from bank acquisition | $916.0K | $0 |
| Net cash and cash equivalents received from bank acquisition | -$3.5M | $0 |
| Net cash provided by investing activities | $3.4M | $101.2M |
| Change in noninterest-bearing customer deposits | $8.2M | -$36.7M |
| Change in interest-bearing customer deposits | $31.3M | $59.9M |
| Dividends paid on common stock | -$8.0M | -$7.9M |
| Proceeds from Federal Home Loan Bank advances | $200.0M | $270.0M |
| Repayments of Federal Home Loan Bank advances | -$200.0M | -$260.0M |
| Proceeds from other borrowings | $75.0M | $20.0M |
| Repayments on other borrowings | -$75.0M | -$20.0M |
| Redemption of subordinated debt | $0 | -$500.0K |
| Repurchase and retirement of shares | -$2.4M | -$1.3M |
| Cash paid for tax withholding related to vesting of restricted stock | -$311.0K | -$296.0K |
| Net cash provided by financing activities | $28.7M | $23.2M |
| Net increase in cash and cash equivalents | $26.6M | $147.7M |
| Cash paid during the period for interest | $57.3M | $61.8M |
| Cash paid during the period for income taxes | $4.4M | $4.7M |
| Transfers to other real estate | $1.2M | $854.0K |
No quarter-by-quarter statement was filed.
Corporate structure
COLONY BANKCORP INC sits at the top of its group. 7 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of COLONY BANKCORP INC
- Fourthstone LLC Filed SCHEDULE 13G/A on COLONY BANKCORP INC, latest Aug 14, 2026 (7 filings since Feb 14, 2022)
- VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G/A on COLONY BANKCORP INC, latest Jul 31, 2026 (2 filings since Apr 29, 2026)
- BlackRock Filed SCHEDULE 13G/A on COLONY BANKCORP INC, latest Jul 27, 2026 (5 filings since Feb 3, 2023)
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on COLONY BANKCORP INC, latest Jan 30, 2026 (3 filings since Feb 9, 2023)
- BANC FUNDS CO LLC Filed SC 13G/A on COLONY BANKCORP INC, latest Feb 8, 2024 (3 filings since Feb 11, 2022)
- COLONY BANKCORP INC Fitzgerald, Georgia
- Colony Bank Subsidiary · Georgia, United States
- Colony Bankcorp Capital Trust I Subsidiary · Delaware, United States
- Colony Bankcorp Capital Trust II Subsidiary · Delaware, United States
- Colony Bankcorp Capital Trust III Subsidiary · Delaware, United States
- Colony Bankcorp Statutory Trust III Subsidiary · Delaware, United States
- Colony Risk Management, Inc. Subsidiary · Nevada, United States
Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What COLONY BANKCORP INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $73.1M6 Dec 31, 2025 | $72.3M6 Dec 31, 2024 | +1.1% |
| Accumulated depreciation | $36.1M6 Dec 31, 2025 | $34.5M6 Dec 31, 2024 | +4.6% |
| Property and equipment, net | $37.0M6 Dec 31, 2025 | $37.8M6 Dec 31, 2024 | −2.1% |
| Operating-lease assets (leased space) | $10.3M6 Dec 31, 2025 | $1.2M6 Dec 31, 2024 | +737.3% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Loans, net of allowance | $2.4B6 Dec 31, 2025 | $1.8B6 Dec 31, 2024 | +29.3% |
| Deposits held (banks) | $3.1B6 Dec 31, 2025 | $2.6B6 Dec 31, 2024 | +19.5% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $63.9M6 Dec 31, 2025 | $48.9M6 Dec 31, 2024 | +30.6% |
| Intangible assets, net (excluding goodwill) | $7.9M6 Dec 31, 2025 | $3.0M6 Dec 31, 2024 | +163.9% |
| Finite-lived intangibles, gross | $15.9M6 Dec 31, 2025 | $9.9M6 Dec 31, 2024 | +60.5% |
| Accumulated amortization | $8.1M6 Dec 31, 2025 | $7.0M6 Dec 31, 2024 | +16.3% |
Properties, in its own words
Properties
The principal properties of the Company consist of the properties of the Bank. The Company's headquarters is located at 115 South Grant Street, Fitzgerald, Georgia 31750. The Bank currently operates thirty-seven locations in Georgia, one in Birmingham, Alabama and five in Florida. The Bank owns all of the banking offices occupied except for eleven which are leased. In addition, the Company owns the corporate operations office located in Fitzgerald, Georgia. We believe that our banking offices are in good condition and are suitable and adequate to our needs.
Item 2 of the 10-K filed Mar 13, 2026.4
Leadership
Who has led COLONY BANKCORP INC, and when. Pick a name to see everywhere that person has worked.
Chief executive
Chief financial officer
2010201520202025
- Chief executive officerT. Heath Fountain Aug 13, 2018 to now14
- Chief executive officerWalter P. Patten Jan 5, 2007 to Jan 18, 200815
- Chief executive officerLarry E. Stevenson Jan 11, 2007 to Jan 2, 200916
- Chief executive officerWillian Michael Miller Jan 11, 2007 to Dec 19, 200717
- Chief executive officerAl Ross Mar 13, 2006 to Apr 12, 201018
- PresidentR. Dallis Copeland Jr. Sep 16, 2022 to now19
- PresidentT. Heath Fountain Aug 13, 2018 to Sep 16, 202214
- PresidentAl Ross Mar 13, 2006 to Apr 12, 201018
- Chief financial officerDerek Shelnutt Jan 26, 2024 to now20
- Chief financial officerTracie Youngblood Jul 2, 2019 to Aug 2, 202221
- Chief financial officerTerry L. Hester Jan 4, 2006 to Nov 29, 201922
Board members and other officers (35)
- Chief Technology OfficerDaniel Rentz Jan 10, 2025 to now23
- CHIEF REVENUE OFFICEREdward G. Canup Jan 10, 2025 to now24
- CHIEF OPERATIONS OFFICERLaurie Senn Jan 10, 2025 to now25
- EVP, C C B OfficerGregory Eiford Dec 5, 2025 to now26
- EVPDavid Andrew Borrmann Aug 3, 2021 to Jul 26, 202227
- Vice chairBrian D. Schmitt Sep 10, 2021 to now28
- E V P, Chief Credit OfficerLeonard H. Bateman Jr. May 26, 2020 to now29
- Exec. Chief Admin OfficerKimberly C. Dockery Aug 10, 2018 to now30
- Exec VP & Chief Oper OfficerJ. Stan Cook May 27, 2016 to Jun 3, 202031
- Executive VPLee Bagwell Oct 20, 2016 to now32
- Regional Marketing ExecutiveM. Edward Hoyle Jr. Jun 24, 2013 to Jul 27, 202233
- Regional Market ExecutiveLee A. Northcutt Mar 8, 2010 to Aug 23, 201934
- Exec. Vice PresidentHenry Franklin Brown Jr. May 22, 2008 to Jan 10, 201735
- SENIOR VICE PRESIDENTAl Ross Jan 4, 2006 to Jan 18, 200636
- EXECUTIVE VICE PRESIDENTWalter P. Patten Jan 4, 2006 to Feb 10, 201037
- Board memberAudrey Hollingsworth Oct 26, 2022 to now38
- Board memberBrian D. Schmitt Sep 10, 2021 to now28
- Board memberMatthew D. Reed Mar 12, 2019 to now39
- Board memberMeagan M. Mowry Mar 22, 2019 to now40
- Board memberTracie Youngblood Jul 2, 2019 to Aug 2, 202221
- Board memberT. Heath Fountain Aug 13, 2018 to now14
- Board memberDavis W. King Sr. Jan 20, 2012 to Jun 24, 201541
- Board memberM. Frederick Dwozan Jan 20, 2012 to Feb 13, 202342
- Board memberScott Lowell Downing Jan 20, 2012 to now43
- Board memberCharles E. Myler Mar 31, 2010 to Dec 20, 201244
- Board memberMark H. Massee Jan 19, 2007 to now45
- Board memberB. Gene Waldron Oct 19, 2007 to Jan 7, 201646
- Board memberTerry L. Hester Jan 4, 2006 to Jul 15, 202222
- Board memberWalter P. Patten Jan 4, 2006 to May 17, 200637
- Board memberTerry L. Coleman Jan 18, 2006 to Feb 18, 201147
- Board memberW. B. Roberts Jr. Jan 18, 2006 to Dec 20, 201248
- Board memberJames D. Minix Jan 25, 2006 to Dec 20, 201249
- Board memberAl Ross Mar 13, 2006 to Nov 1, 200618
- Board memberL. Morris Downing Jr. Apr 26, 2006 to Sep 14, 201250
- Board memberEdward J. Harrell Aug 2, 2006 to Jun 24, 201551
Named in SEC Form D filings
People the company listed in its private-offering notices.
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- Colony Bank Georgia3
- Colony Bankcorp Capital Trust I Delaware3
- Colony Bankcorp Capital Trust II Delaware3
- Colony Bankcorp Capital Trust III Delaware3
- Colony Bankcorp Statutory Trust III Delaware3
- Colony Risk Management, Inc. Nevada3
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Timeline
- Oct 15, 20268-K Shareholder vote53
- Sep 17, 20268-K Executive or director change; Other events54
- Jul 22, 20268-K Results of operations; Regulation FD disclosure55
- Jun 24, 20268-K Entered a material agreement; Other events56
- May 22, 20268-K Shareholder vote57
- Apr 22, 20268-K Results of operations; Regulation FD disclosure58
- Jan 28, 20268-K Results of operations; Executive or director change; Regulation FD disclosure59
- Dec 22, 20258-K Other events60
- Dec 1, 20258-K Completed an acquisition or sale; Other events61
- Nov 17, 20258-K Shareholder vote; Other events62
- Nov 7, 20258-K Entered a material agreement63
- Oct 22, 20258-K Results of operations; Regulation FD disclosure64
- Aug 13, 2018New chief executive T. Heath Fountain becomes CEO14
- Jan 11, 2007New chief executive Willian Michael Miller becomes CEO17
- Jan 11, 2007New chief executive Larry E. Stevenson becomes CEO16
- Jan 5, 2007New chief executive Walter P. Patten becomes CEO15
- Mar 13, 2006New chief executive Al Ross becomes CEO18
Calendar
Coming up
- Oct 28, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.47 a share, on Oct 22, 2025.65
When it reported results
- Jul 22, 2026Reported quarterly or annual results55
- Apr 22, 2026Reported quarterly or annual results58
- Jan 28, 2026Reported quarterly or annual results59
- Oct 22, 2025Reported quarterly or annual results64
- Jul 23, 2025Reported quarterly or annual results66
- Apr 23, 2025Reported quarterly or annual results67
- Jan 22, 2025Reported quarterly or annual results68
- Oct 23, 2024Reported quarterly or annual results69
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
377 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 52 major events, 237 insider forms, 20 large holders, 1 private raises, 47 other. The latest 20:
- Oct 15, 20268-K EDGAR
- Sep 17, 20268-K EDGAR
- Aug 27, 2026EFFECT EDGAR
- Aug 27, 2026424B4 EDGAR
- Aug 26, 20264 EDGAR
- Aug 25, 2026S-4/A EDGAR
- Aug 20, 20264 EDGAR
- Aug 14, 2026SCHEDULE 13G/A EDGAR
- Aug 14, 2026S-4 EDGAR
- Aug 5, 202610-Q EDGAR
- Aug 3, 20264 EDGAR
- Jul 31, 2026SCHEDULE 13G/A EDGAR
- Jul 27, 2026SCHEDULE 13G/A EDGAR
- Jul 22, 20268-K EDGAR
- Jul 17, 20264 EDGAR
- Jul 17, 20264 EDGAR
- Jul 17, 20264 EDGAR
- Jul 17, 20264 EDGAR
- Jul 17, 20264 EDGAR
- Jul 17, 20264 EDGAR
The 377 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
76 open-market trades by officers, directors and large owners since October 2021: 69 buys and 7 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Aug 26, 2026 | Canup Edward GCHIEF BANKING OFFICER | Buy | 1,000 | $21.20 | $21.2K | Form 4 |
| Aug 20, 2026 | Canup Edward GCHIEF BANKING OFFICER | Buy | 1,000 | $21.25 | $21.2K | Form 4 |
| Aug 19, 2026 | Canup Edward GCHIEF BANKING OFFICER | Buy | 2,000 | $21.62 | $43.2K | Form 4 |
| Aug 18, 2026 | Canup Edward GCHIEF BANKING OFFICER | Buy | 1,000 | $22.00 | $22.0K | Form 4 |
| Jul 30, 2026 | Canup Edward GCHIEF BANKING OFFICER | Buy | 2,000 | $21.80 | $43.6K | Form 4 |
| May 5, 2026 | Canup Edward GCHIEF BANKING OFFICER | Buy | 1,000 | $19.65 | $19.6K | Form 4 |
| Apr 27, 2026 | Canup Edward GCHIEF BANKING OFFICER | Buy | 1,000 | $19.80 | $19.8K | Form 4 |
| Apr 24, 2026 | Canup Edward GCHIEF BANKING OFFICER | Buy | 1,000 | $19.97 | $20.0K | Form 4 |
| Mar 6, 2026 | Canup Edward GCHIEF BANKING OFFICER | Buy | 500 | $19.25 | $9.6K | Form 4 |
| Mar 3, 2026 | Shelnutt DerekCFO | Buy | 250 | $19.50 | $4.9K | Form 4 |
| Feb 27, 2026 | Canup Edward GCHIEF BANKING OFFICER | Buy | 1,000 | $20.12 | $20.1K | Form 4 |
| Nov 28, 2025 | Canup Edward GCHIEF BANKING OFFICER | Buy | 500 | $16.95 | $8.5K | Form 4 |
| Nov 17, 2025 | Canup Edward GCHIEF BANKING OFFICER | Buy | 1,000 | $16.23 | $16.2K | Form 4 |
| Nov 7, 2025 | Reed Matthew D.Director | Buy | 310 | $16.19 | $5.0K | Form 4 |
| Nov 6, 2025 | Canup Edward GCHIEF BANKING OFFICER | Buy | 500 | $16.25 | $8.1K | Form 4 |
| Nov 3, 2025 | Canup Edward GCHIEF BANKING OFFICER | Buy | 500 | $15.90 | $8.0K | Form 4 |
| Oct 30, 2025 | Canup Edward GCHIEF BANKING OFFICER | Buy | 500 | $15.96 | $8.0K | Form 4 |
| Oct 24, 2025 | Canup Edward GCHIEF BANKING OFFICER | Buy | 500 | $16.59 | $8.3K | Form 4 |
| Aug 20, 2025 | Bateman Leonard H JREVP & Chief Credit Officer | Sale | 5,069 | $16.33 | $82.8K | Form 4 |
| Aug 19, 2025 | Bateman Leonard H JREVP & Chief Credit Officer | Buy | 5,170 | $16.40 | $84.8K | Form 4 |
All 76 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Fourthstone LLCSCHEDULE 13G/A, 7 filings Feb 14, 2022 to Aug 14, 202670
- VANGUARD CAPITAL MANAGEMENT LLCSCHEDULE 13G/A, 2 filings Apr 29, 2026 to Jul 31, 202671
- BlackRockSCHEDULE 13G/A, 5 filings Feb 3, 2023 to Jul 27, 202672
- VANGUARD GROUP INCSCHEDULE 13G/A, 3 filings Feb 9, 2023 to Jan 30, 202673
- BANC FUNDS CO LLCSC 13G/A, 3 filings Feb 11, 2022 to Feb 8, 202474
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
Money raised
Private offerings the company reported to the SEC on Form D.
- May 20, 2022Raised $40 million in a private offering of debt Form D: 30 investors so far Form D
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
| Fund | Shares | Value | Share of the fund | Change |
|---|---|---|---|---|
| BlackRock, Inc. | 2,336,239 | $46.9M | 0.0% | +370,906 |
| Vanguard Capital Management LLC | 906,348 | $18.2M | 0.0% | −52,251 |
| Dimensional Fund Advisors LP | 882,163 | $17.7M | 0.0% | +144,408 |
| Geode Capital Management, LLC | 533,628 | $10.7M | 0.0% | +56,966 |
| American Century Companies Inc | 472,095 | $9.5M | 0.0% | +30,484 |
| Petiole USA ltd | 448,563 | $9.0M | 6.5% | −6,200 |
| Banc Funds Co LLC | 441,478 | $8.9M | 1.5% | +22,000 |
| State Street Corp | 439,763 | $8.8M | 0.0% | +82,485 |
| Two Sigma Investments, LP | 370,597 | $7.4M | 0.0% | +129,844 |
| Pacific Ridge Capital Partners, LLC | 319,367 | $6.4M | 1.2% | −2,481 |
| Manufacturers Life Insurance Company, The | 299,879 | $6.0M | 0.0% | +28,896 |
| Citadel Advisors LLC | 287,598 | $5.8M | 0.0% | +243,028 |
| Morgan Stanley | 257,188 | $5.2M | 0.0% | +88,712 |
| Hillsdale Investment Management Inc. | 246,557 | $5.0M | 0.1% | −3,620 |
| Qube Research & Technologies Ltd | 231,964 | $4.7M | 0.0% | New |
| Algert Global LLC | 227,476 | $4.6M | 0.1% | +70,216 |
| Goldman Sachs Group Inc | 202,359 | $4.1M | 0.0% | +53,804 |
| Trexquant Investment LP | 178,551 | $3.6M | 0.0% | +133,391 |
| Vanguard Portfolio Management LLC | 174,116 | $3.5M | 0.0% | +55,180 |
| Northern Trust Corp | 172,013 | $3.5M | 0.0% | −25,180 |
| Fourthstone LLC | 166,465 | $3.3M | 2.4% | −1,898,421 |
| Bridgeway Capital Management, LLC | 158,199 | $3.2M | 0.1% | +5,729 |
| Marshall Wace, Llp | 150,061 | $3.0M | 0.0% | +132,094 |
| Aqr Capital Management LLC | 144,141 | $2.9M | 0.0% | +91,232 |
| Vanguard Fiduciary Trust Co | 137,396 | $2.8M | 0.0% | −1,348 |
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How COLONY BANKCORP INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARCOLONY BANKCORP INC1
- CIK0000711669
- Employer ID (EIN)58-14923914
- Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
- Incorporated inGeorgia4
- Fiscal year endsDecember 311
- Industry code (SIC)6022 State Commercial Banks1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address115 South Grant Street, ., Fitzgerald, GA 317501
- Phone229-426-60001
- Shares outstanding21,220,965 as of Aug 3, 202612
- Public float$275.2M as of Jun 30, 20254
- AuditorMauldin & Jenkins, LLC, Albany, Georgia PCAOB ID 669; it also attests to the company’s internal control over financial reporting4
- On EDGAR sinceNov 8, 19951
- Filings1,436 in all: 4 (748), 8-K (273), 10-Q (87), SC 13G (44), 3 (35), 4/A (33), DEF 14A (32), 10-K (24)1
All 42 form types
SC 13G/A (21), CORRESP (13), UPLOAD (12), PRE 14A (11), EFFECT (9), SCHEDULE 13G/A (8), S-8 (7), 10QSB (6), 11-K (6), S-3 (6), S-4 (6), 10-K405 (5), 425 (5), 8-K/A (5), ARS (5), S-4/A (5), 10-Q/A (4), 424B3 (4), S-3/A (3), 3/A (2), 424B5 (2), D (2), SCHEDULE 13G (2), 10-K/A (1), 10KSB (1), 10KSB40 (1), 25 (1), 424B4 (1), 5 (1), 8-A12B (1), CERT (1), FWP (1), NT 10-K (1), SC 13D (1)
- Latest filingsAnnual report (10-K) Mar 13, 2026
Quarterly report (10-Q) Aug 5, 2026
Proxy statement (DEF 14A) Apr 16, 2026
Latest 8-K (8-K) Oct 15, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, Par Value $1.00 per share | CBAN | The New York Stock Exchange |
From the cover page of the 10-K filed Mar 13, 2026 (Section 12(b) of the Exchange Act).4
Risk factors and legal proceedings
The risks COLONY BANKCORP INC names in Item 1A of its 10-K filed Mar 13, 2026: 44 risks under these headings, as written.4
- Risks Related to Our Business
- A decline in general business and economic conditions and any regulatory responses to such conditions could have a material adverse effect on our business, financial position, results of operations and growth prospects.
- We face strong competition from financial service companies and other companies that offer commercial and retail banking services, which could harm our business.
- Fluctuations in interest rates may impact net interest income and otherwise negatively impact our financial condition and results of operations.
- Inflation could negatively impact our business, our profitability and our stock price.
- Negative developments in the banking industry could adversely affect our current and projected business operations and our financial condition and results of operations.
- Liquidity risks could affect operations and jeopardize our business, financial condition, and results of operations.
- Our business depends on our ability to successfully manage our asset quality and credit risk.
- Our commercial real estate, real estate construction, and commercial business loans increase our exposure to credit risks.
- Because a significant portion of our loan portfolio is comprised of real estate loans, negative changes in the economy affecting real estate values and liquidity could impair the value of collateral securing our real estate loans and result in loans and other losses.
- Our provision and allowance for credit losses may not cover actual losses, and we may be required to materially increase our allowance, which may adversely affect our capital, financial condition and results of operations.
- We may not be able to meet our unfunded credit commitments, or adequately reserve for losses associated with our unfunded credit commitments.
The other 33 risks
- We use brokered deposits which may be an unstable and/or expensive deposit source to fund earning asset growth.
- We hold certain intangible assets that in the future could be classified as either partially or fully impaired, which would reduce our earnings and the book values of these assets.
- Decreased residential mortgage origination, volume and pricing decisions of competitors may adversely affect our profitability.
- Nonperforming assets take significant time to resolve and adversely affect our results of operations and financial condition, and could result in further losses in the future.
- We could recognize losses on securities held in our securities portfolio, particularly if interest rates increase or economic and market conditions deteriorate.
- The implementation of other new lines of business or new products and services may subject us to additional risk.
- We are highly dependent on our management team, and the loss of our senior executive officers or other key employees could harm our ability to implement our strategic plan, impair our relationships with customers and adversely affect our business, results of operations and growth prospects.
- Our ability to maintain our reputation is critical to the success of our business and the failure to do so may materially adversely affect our business and the value of our common stock.
- Our risk management framework may not be effective in mitigating risks and/or losses to us.
- The financial services market is undergoing rapid technological changes, and if we are unable to stay current with those changes, we will not be able to effectively compete.
- System failures or disruptions of our network security, or the security of our data processing subsidiary, including as a result of cyberattacks or data security incidents, could subject us to increased operating costs as well as litigation and other liabilities.
- Our operations could be interrupted if our third-party service providers experience difficulty, terminate their services or fail to comply with banking regulations.
- We are subject to certain operational risks, including, but not limited to, client or employee fraud and data processing system failures and errors.
- The developments and use of artificial intelligence (AI) presents risks and challenges that may adversely impact our business.
- Our accounting estimates and risk management processes rely on analytical and forecasting models.
- Changes in accounting standards could materially impact our financial statements.
- Failure to maintain effective internal controls over financial reporting could have a material adverse effect on our business and stock price.
- Hurricanes or other adverse weather events would negatively affect our local economies or disrupt our operations, which would have an adverse effect on our business or results of operations.
- The costs and effects of litigation, investigations or similar matters, or adverse facts and developments related thereto, could materially affect our business, operating results and financial condition.
- Risks Related to Legislative and Regulatory Events
- We are subject to extensive government regulation that could limit or restrict our activities, which in turn may adversely impact our ability to increase our assets and earnings.
- Federal and state regulators periodically examine our business, and we may be required to remediate adverse examination findings.
- Changes to monetary policy by the Federal Reserve could adversely impact our results of operations.
- We are subject to federal and state fair lending laws, and failure to comply with these laws could lead to material penalties.
- The Federal Reserve may require us to commit capital resources to support the Bank.
- We could face a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations.
- Our deposit insurance premiums could be substantially higher in the future, which could have a material adverse effect on our future earnings.
- Risks Related to Our Common Stock
- Environmental, social and governance ("ESG") and diversity, equity and inclusion ("DEI") risks could adversely affect our reputation and shareholder, employee, client and third-party relationships and may negatively affect our stock price.
- Our dividend policy may change, and consequently, your only opportunity to achieve a return on your investment may be if the price of our common stock appreciates.
- We may need to raise additional capital in the future.
- We have the ability to incur debt and pledge our assets, including our stock in the Bank, to secure that debt.
- Risks Related to Acquisitions
- If we fail to successfully integrate our acquisitions or to realize the anticipated benefits of them, our financial condition
- and results of operations could be negatively affected.
- Our future success is largely dependent upon our ability to successfully execute our business strategy.
Legal proceedings
Legal Proceedings
The Company and its subsidiary may from time to time become parties to various legal proceedings arising in the ordinary course of business. As of December 31, 2025, there are no material pending legal proceedings, including any material proceedings known to be contemplated by governmental authorities, to which Colony or its subsidiary is a party or of which any of their assets or properties are subject. However, one or more unfavorable outcomes in any legal action against us could have a material adverse effect in the period in which they are resolved. In addition, regardless of their merits or their ultimate outcomes, such matters may be costly, divert management’s attention and may materially adversely affect our reputation, even if resolved in our favor.
The opening of Item 3, Legal Proceedings.4
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 18SEC EDGARAl Ross, Chief executive officer
- 19SEC EDGARR. Dallis Copeland Jr., President
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- 26SEC EDGARGregory Eiford, EVP, C C B Officer
- 27SEC EDGARDavid Andrew Borrmann, EVP
- 28SEC EDGARBrian D. Schmitt, Vice chair
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- 32SEC EDGARLee Bagwell, Executive VP
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- 36SEC EDGARAl Ross, SENIOR VICE PRESIDENT
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- 38SEC EDGARAudrey Hollingsworth, Board member
- 39SEC EDGARMatthew D. Reed, Board member
- 40SEC EDGARMeagan M. Mowry, Board member
- 41SEC EDGARDavis W. King Sr., Board member
- 42SEC EDGARM. Frederick Dwozan, Board member
- 43SEC EDGARScott Lowell Downing, Board member
- 44SEC EDGARCharles E. Myler, Board member
- 45SEC EDGARMark H. Massee, Board member
- 46SEC EDGARB. Gene Waldron, Board member
- 47SEC EDGARTerry L. Coleman, Board member
- 48SEC EDGARW. B. Roberts Jr., Board member
- 49SEC EDGARJames D. Minix, Board member
- 50SEC EDGARL. Morris Downing Jr., Board member
- 51SEC EDGAREdward J. Harrell, Board member
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- 53SEC EDGARShareholder vote
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- 57SEC EDGARShareholder vote
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- 60SEC EDGAROther events
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- 62SEC EDGARShareholder vote; Other events
- 63SEC EDGAREntered a material agreement
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- 65NasdaqNasdaq calendar
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