Colony Bankcorp Inc (CBAN) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Colony Bankcorp reported revenue of $132.2M, up 14.5% from $115.5M the year before. Net income was $28.3M (a 21.4% net margin), or $1.59 per diluted share. Net interest income was $91.9M, and the efficiency ratio (noninterest expense / revenue) was 70.0%. Operating activities generated -$5.5M of cash, leaving -$6.9M of free cash flow. At fiscal year end, Colony Bankcorp held $3.74B in total assets against $3.36B in total liabilities.
Open the full interactive Colony Bankcorp financials → Quarterly statements, key ratios, valuation history and price charts.
Colony Bankcorp Key Stats
| Share Price | $19.94 |
|---|---|
| Market Cap | $421.9M |
| P/E Ratio | 12.5 |
| Revenue YoY Growth | +14.5% |
| 52-Week Range | $15.54 – $22.27 |
| Shares Outstanding | 21.2 million (basic, 2026 Q2) |
Colony Bankcorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $55.2M | $66.2M | $80.6M | $78.2M | $76.1M | $91.9M |
| Provision for Credit Losses | $6.6M | $700,000 | $3.4M | $3.6M | $3.0M | $4.5M |
| Noninterest Income | $24.2M | $36.3M | $35.1M | $35.6M | $39.4M | $40.3M |
| Noninterest Expense | $58.3M | $78.6M | $89.5M | $83.1M | $82.8M | $92.5M |
| Revenue | $79.5M | $102.5M | $115.7M | $113.9M | $115.5M | $132.2M |
| Pre-Tax Income | $14.6M | $23.2M | $22.9M | $27.2M | $29.6M | $35.1M |
| Income Tax | $2.8M | $4.5M | $3.3M | $5.5M | $5.7M | $6.9M |
| Net Income | $11.8M | $18.7M | $19.5M | $21.7M | $23.9M | $28.3M |
| Diluted EPS | $1.24 | $1.66 | $1.14 | $1.24 | $1.36 | $1.59 |
Colony Bankcorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $32.8M | $36.9M | $39.9M | $42.0M |
| Net Income | $5.8M | $7.8M | $8.2M | $10.9M |
| Diluted EPS | $0.33 | $0.44 | $0.39 | $0.51 |
Colony Bankcorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | — | $1.33B | $1.72B | $1.87B | $1.82B | $2.36B |
| Total Assets | $1.76B | $2.69B | $2.94B | $3.05B | $3.11B | $3.74B |
| Deposits | $1.45B | $2.37B | $2.49B | $2.54B | $2.57B | $3.07B |
| Total Long-Term Debt | $167.1M | $88.4M | $203.4M | $238.4M | $248.0M | $258.1M |
| Total Liabilities | $1.62B | $2.47B | $2.71B | $2.80B | $2.83B | $3.36B |
| Shareholders' Equity | $144.5M | $217.7M | $230.3M | $254.9M | $278.7M | $375.9M |
Colony Bankcorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$19.1M | $36.1M | $49.7M | $21.0M | $23.4M | -$5.5M |
| Cash From Investing | -$130.3M | -$208.3M | -$448.2M | -$98.8M | $101.2M | $3.4M |
| Cash From Financing | $228.8M | $186.0M | $281.9M | $80.4M | $23.2M | $28.7M |
| Free Cash Flow | -$23.3M | $30.3M | $46.8M | $17.4M | $22.3M | -$6.9M |
Figures from Colony Bankcorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Colony Bankcorp financials page for every line item.
Colony Bankcorp Company Profile
| Ticker | CBAN |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | Fitzgerald, Georgia |
| Incorporated in | Georgia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000711669 |
Frequently Asked Questions
What was Colony Bankcorp's revenue in fiscal 2025?
Colony Bankcorp (CBAN) reported revenue of $132.2M for fiscal 2025.
What is Colony Bankcorp's annual revenue history?
Colony Bankcorp's annual revenue by fiscal year: 2020: $79.5M; 2021: $102.5M; 2022: $115.7M; 2023: $113.9M; 2024: $115.5M; 2025: $132.2M.
What was Colony Bankcorp's net income in fiscal 2025?
Colony Bankcorp reported net income of $28.3M for fiscal 2025.
What was Colony Bankcorp's earnings per share (EPS) in fiscal 2025?
Colony Bankcorp's diluted EPS was $1.59 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Colony Bankcorp generate in fiscal 2025?
Colony Bankcorp generated -$6.9M of free cash flow in fiscal 2025.
What was Colony Bankcorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Colony Bankcorp reported revenue of $42.0M.
How much debt does Colony Bankcorp have?
Colony Bankcorp reported $258.1M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Colony Bankcorp are outstanding?
Colony Bankcorp reported a weighted average of 21.2 million basic shares outstanding in 2026 Q2.
What is Colony Bankcorp's market cap?
Based on its latest closing price, Colony Bankcorp (CBAN) has a market capitalization of about $421.9M.
When does Colony Bankcorp's fiscal year end?
Colony Bankcorp's fiscal year end, as registered with the SEC, is December 31.
Where is Colony Bankcorp headquartered?
Colony Bankcorp lists its business address in Fitzgerald, Georgia in its SEC filings.