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Colony Bank
Fitzgerald, GA·FDIC Cert #22257·Charter: STATE·Est. 19760415.0·HC: COLONY BANKCORP INC
Total Assets
$3.7B
Q4 2025
Return on Assets
0.92%
-0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
67.36%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.92%-0.01
ROE
9.09%-0.21
Efficiency
67.36%+0.05
Equity/Assets
0.00%+0.00
NPL Ratio
0.96%+0.26
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.67%+0.81
Charge-offs
0.25%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.8 | 0.9 | 0.9 | 1.0 | 0.9 | 0.9 |
| ROE | 8.2 | 8.3 | 8.4 | 8.9 | 9.2 | 10.2 | 9.3 | 9.1 |
| Efficiency | 69.0 | 68.7 | 68.9 | 68.0 | 65.2 | 65.3 | 67.3 | 67.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.4 | 0.6 | 0.6 | 0.6 | 0.5 | 0.7 | 1.0 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 73.4 | 76.0 | 74.0 | 71.8 | 72.7 | 77.0 | 77.9 | 78.7 |
Balance Sheet
Total Assets$3.7B
Total Deposits$3.1B
Total Loans$2.4B
Total Equity$397.6M
Profitability
ROA0.92%
ROE9.09%
Efficiency Ratio67.36%
Net Income$30.0M
Risk & Asset Quality
NPL Ratio0.96%
Charge-off Rate0.25%
Loan/Deposit78.67%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans