COLONY BANKCORP INC

COLONY BANKCORP INC

Colony Bankcorp Inc., trading as CBAN, is a Georgia-based State Commercial Bank (SIC 6021) that anchors its franchise in retail and commercial banking, offering deposit accounts, mortgage and commercial lending, treasury management, and wealth advisory services tailored to individuals, small and mid-sized businesses, and agricultural clients across its regional footprint. The bank’s strategy emphasizes relationship-based origination and cross-selling across its full-service branches and digital channels, while its balance sheet reflects a mix of fixed-rate and variable-rate loans funded by insured deposits and municipal borrowings. Material risks include rising interest-rate volatility that pressures net interest margins, concentration in mortgage and commercial real estate lending susceptible to regional economic swings, and the ongoing compliance demands of federal and state banking regulators plus the FDIC insurance assessments. Colony Bankcorp’s latest SEC disclosure, the Form 8-K filed Nov 2025, outlines executive transitions and updates to capital planning, underscoring how governance and regulatory expectations shape its execution. For timely updates, view live SEC filings on Earnings Feed.