10-K · March 13, 2026
Colony Bankcorp completed two strategic acquisitions in 2025 (The Ellerbee Agency on April 1, 2025 and TC Bancshares, Inc. on December 1, 2025) and at year-end reported pro forma scale of approximately $3.7 billion in…
Earnings analysis · 10-Q
CBAN earnings analysis
Filed May 8, 2026 · Our reading of the company's report
The latest report
Colony Bankcorp reported Q1 2026 results with revenue of $39.895 million, a slight miss against estimates of $40.444 million, and diluted EPS of $0.39, below the expected $0.47. The quarter saw net interest income grow…
Read full summary
Colony Bankcorp reported Q1 2026 results with revenue of $39.895 million, a slight miss against estimates of $40.444 million, and diluted EPS of $0.39, below the expected $0.47. The quarter saw net interest income grow significantly, driven by an increase in loan interest income, though expenses rose as well due to higher salaries and acquisition costs. The outlook appears cautiously optimistic with improved asset quality and a focus on loan growth although total deposits saw a minor decline.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.39
- Segment
- Banking
- Segment
- Mortgage Banking
- Segment
- Small Business Specialty Lending Division
What stood out
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Revenue Trends
Q1 2026 revenue was $39.895 million, down 1.2% from $40.444 million in Q1 2025.
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EPS Reaction
Reported EPS of $0.39 compared to expectations of $0.47, reflecting a miss of 4.3%.
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Noninterest Income Growth
Total noninterest income increased to $10.7 million from $9.0 million year-over-year.
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Loan Growth
Total loans increased to $2.413 billion, a 1.35% rise from $2.381 billion at year-end 2025.
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Improved Asset Quality
Nonperforming assets decreased to $19.9 million, or 0.53% of total assets, down from $24.7 million.
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Increased Allowance for Credit Losses
Allowance for credit losses increased to $21.7 million, equating to 0.90% of total loans.
What to watch
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Higher Noninterest Expenses
Noninterest expenses rose 36.9% to $27.7 million due to increased salaries and acquisition costs.
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Loan Charge-offs
Net charge-offs increased to $1.7 million from $606,000 year-over-year, raising credit quality concerns.
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Deposit Decline
Total deposits decreased by $19.1 million to $3.048 billion, indicating potential liquidity risk.
Management's outlook
Outlook deferred to earnings press release / call.
Earlier filings 4
10-Q · November 7, 2025
Colony Bankcorp reported quarter revenue (net interest income plus noninterest income) of $32.79M, up $4.17M or 14.6% versus the three months ended September 30, 2024. Net interest income drove the improvement, rising…
10-Q · August 8, 2025
Colony Bankcorp reported Q2 2025 revenue of $32.483 million and diluted EPS of $0.46, beating consensus ($31.792M revenue; $0.40 EPS). Net interest income increased to $22.385 million and provision for credit losses…
10-Q · May 9, 2025
Colony Bankcorp reported Q1 2025 net revenue of $29,996,000 (net interest income $20,952,000 + noninterest income $9,044,000) and net income of $6,613,000, delivering diluted EPS of $0.38 (vs $0.30 in Q1 2024). Net…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.