Colony Bank
Colony Bank reported total assets of $3.6 bn at Q2 2026, up 16.5% on a year earlier, the 356th largest of 497 banks in our US coverage. The CET1 capital ratio at Colony Bank was 13.55%, and the uninsured share of Colony Bank was 32.42%. Source: FDIC Call Reports.
Key takeaways
- Since , Colony Bank has taken over 3 institutions; the latest was TC FEDERAL BANK on (FDIC Call Reports).
- On net interest margin, Colony Bank climbed from 347th to 272nd among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets Colony Bank apart
How large is Colony Bank?
The balance sheet of Colony Bank at : assets $3.6 bn, deposits $3.0 bn, net loans $2.5 bn (loans equal to 81.99% of deposits). Securities make up 20.5% of total assets at Colony Bank. Since , when Colony Bank held $1.2 bn, its assets grew 209.8%. In the year to , deposits at Colony Bank rose 16.1% while its total assets rose 16.5%. At , Colony Bank employed 528 full-time equivalent staff across 33 offices, about $6.8 mn of assets per employee and $91.2 mn of deposits per office.
How much funding at Colony Bank is uninsured?
At Colony Bank, uninsured deposits (above the FDIC limit) made up 32.42% of domestic deposits at (+0.01 pp on a year earlier); Colony Bank ranks 284th of 500 on this measure. In dollars, Colony Bank estimated $975.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.0 bn | +16.1% | 358th of 499 |
| Net loans and leases | $2.5 bn | +23.6% | 368th of 500 |
| Loan-to-deposit ratio | 81.99% | +4.94 pp | 320th of 500 |
| Tier 1 leverage ratio | 9.97% | +0.49 pp | 303rd of 500 |
| Total risk-based capital ratio | 14.42% | +0.28 pp | 219th of 448 |
| Net interest margin | 3.57% | +0.45 pp | 272nd of 500 |
| Return on assets (ROA) | 1.08% | +0.07 pp | 352nd of 500 |
| Efficiency ratio | 63.89% | -1.39 pp | 383rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $34.1 mn | Narrowed by $6.4 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $29.4 mn | Narrowed by $7.0 mn | |
| Noncurrent loans to total loans | 0.76% | +0.23 pp | 298th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.28% | +0.11 pp | 394th of 500 (1 = lowest) |
US rank of Colony Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Colony Bank: assets, deposits and loans
- Total assets $3.6bn
- Deposits $3.0bn
- Net loans $2.5bn
Capital and securities
The CET1 ratio of Colony Bank stood at 13.55% in , +0.32 pp year on year. Low and high at Colony Bank since : 11.40% () to 15.67% (). Equity capital of Colony Bank at : $404.1 mn, or 11.2% of total assets. Colony Bank also reported a total capital ratio of 14.42% for , and a tier 1 leverage ratio of 9.97%.
On held-to-maturity securities, Colony Bank carried an unrealized loss of $34.1 mn at , equal to 8.4% of equity capital. The loss narrowed by $6.4 mn over the year. Its deepest point: $66.0 mn in . The available-for-sale portfolio of Colony Bank showed an unrealized loss of $29.4 mn at ; the loss narrowed by $7.0 mn over the year.
Colony Bank: capital ratios
- Total capital 14%
- CET1 14%
- Tier 1 leverage 10.0%
Colony Bank: unrealized securities gains and losses
- Available for sale -$29mn
- Held to maturity -$34mn
Profitability and loan quality
For the year to , Colony Bank earned a return on equity of 9.90%; return on assets: 1.08%. Net interest margin at Colony Bank: 3.57%, +0.45 pp in a year. Colony Bank net income: $19.9 mn, up 26.0% year on year. The efficiency ratio of Colony Bank was 63.89%: about 64 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.76% of total loans at Colony Bank; net charge-offs: 0.28% of average loans. Gross loans and leases at Colony Bank: $2.5 bn, up 23.5% in a year.
Colony Bank: profitability
- Return on equity 9.9%
- Net interest margin 3.6%
- Return on assets 1.1%
Peer group of Colony Bank
The peer group of Colony Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Colony Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Georgia. Against them, Colony Bank shows CET1 ratio 13.55% against a peer median of 12.71%, return on equity 9.90% against a peer median of 14.27% and uninsured deposit share 32.42% against a peer median of 31.88%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First PREMIER Bank | State member bank | SD | $3.6 bn | 19.95% | 13.94% | 56.10% | |
| First Community Bank | State nonmember bank | AR | $3.6 bn | 10.61% | 16.94% | 29.53% | |
| Village Bank and Trust | National bank | IL | $3.6 bn | 10.97% | 20.63% | 38.37% | |
| Colony Bank | State nonmember bank | GA | $3.6 bn | 13.55% | 9.90% | 32.42% | |
| First Community Bank | State member bank | VA | $3.6 bn | 15.32% | 14.59% | 21.28% | |
| Home Bank | National bank | LA | $3.6 bn | 14.41% | 10.17% | 31.16% | |
| Manasquan Bank | State-chartered stock savings bank | NJ | $3.6 bn | 11.00% | 7.18% | 32.61% | |
. FDIC Call Reports.
Last eight quarters
Two years at Colony Bank, to : assets +18.3%, deposits +17.6%, equity +35.6%. Staff 452 to 528; offices 29 to 33.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.1 bn | $3.1 bn | $3.2 bn | $3.1 bn | $3.1 bn | $3.7 bn | $3.7 bn | $3.6 bn |
| Total deposits | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn | $3.1 bn | $3.1 bn | $3.0 bn |
| Bank equity capital | $298.1 mn | $303.1 mn | $314.4 mn | $311.9 mn | $322.5 mn | $397.6 mn | $406.8 mn | $404.1 mn |
| CET1 ratio | 13.67% | 14.33% | 14.05% | 13.23% | 13.33% | 13.61% | 13.59% | 13.55% |
| Return on equity (ROE) | 8.44% | 8.86% | 9.24% | 10.22% | 9.30% | 9.09% | 8.68% | 9.90% |
| Uninsured share of domestic deposits | 31.63% | 33.02% | 32.59% | 32.41% | 31.50% | 31.63% | 32.18% | 32.42% |
| Full-time equivalent employees | 452 | 455 | 443 | 443 | 460 | 526 | 506 | 528 |
| Number of offices | 29 | 29 | 29 | 29 | 29 | 34 | 33 | 33 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Colony Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Calumet Bank (FDIC certificate 58670).
- . Absorbed Southcrest Bank, National Association (FDIC certificate 2124).
- . Absorbed TC FEDERAL BANK (FDIC certificate 29331).
Large one-quarter moves at Colony Bank
- Total assets at Colony Bank changed by +43.2% in the quarter to 2021-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Southcrest Bank, National Association.
Questions and identifiers
What were the total assets of Colony Bank?
Colony Bank reported $3.6 bn at in its Call Report. That makes Colony Bank the 356th largest of 497 banks in our US coverage.
Is Colony Bank the same as its holding company?
No. This page covers Colony Bank, FDIC certificate 22257; COLONY BANKCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Colony Bank profitable?
Colony Bank reported net income of $19.9 mn for the year to ; annualized return on equity: 9.90%. So yes: Colony Bank made a profit over these months.
When is data for Colony Bank next updated?
Figures from Colony Bank for are due after .
Where can I check the figures for Colony Bank?
In the FDIC BankFind Suite record for certificate 22257, and in the Call Reports of Colony Bank (RSSD ID 491934) at the FFIEC Central Data Repository.