CBAN
Colony Bankcorp, Inc.18.41
+0.01+0.05%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Competition tempers loan growth to 8%.
Q&A spotlighted intensifying lending competition across the Southeast, pulling organic loan growth toward the low end of Colony Bank's 8%-12% target while management prioritizes disciplined pricing and relationships over volume. SBSL drew scrutiny as a higher-risk, high-ROE line with variable income; Fountain expects improvement but no return to past high-volume programs. M&A talk favored negotiated deals in contiguous states like South Carolina and Alabama, avoiding aggressive auction bids, with flexibility for multiple smaller transactions amid quick approvals. Deposits face narrowing spreads yet show pipeline strength via core focus and banking solutions. Growth bows to margin. Optimistic on TC Federal synergies; watch deposit momentum funding loans.
Key Stats
Market Cap
391.66MP/E (TTM)
11.58Basic EPS (TTM)
1.59Dividend Yield
0.02%Recent Filings
10-K
FY2025 results
Colony Bankcorp closed FY2025 with $3.7B assets, up from prior year, fueled by the December TC Bancshares acquisition adding branches in Georgia and Florida. Loans hit $2.4B (up 29%), deposits $3.1B, net income $28.3M ($1.59/share). Q4 momentum shone via TCBC integration, though nonperformers rose to 0.99% of loans from acquired and organic credits. NIM expanded to 3.14% on deposit cost cuts despite Fed easing. Repurchased $47K shares Q4 under extended buyback; equity $376M. TCBC deal lifted capital ratios well above well-capitalized. Watch CRE concentrations nearing thresholds.
8-K
Q4 earnings beat, TC deal closes
Colony Bankcorp posted Q4 net income of $7.8M ($0.42/share), up from $5.8M prior quarter, fueled by TC Federal acquisition closing December 1 that boosted loans $344M to $2.38B and deposits $483M to $3.07B. Net interest margin hit 3.32%, NIM expanded steadily. Dividend hiked to $0.12/share. Shelnutt's CFO deal locks in talent.
8-K
Extends $12M buyback to 2026
Colony Bankcorp extended its $12M stock buyback program through end-2026, after a prior extension to 2025. Board authorized on December 18, 2025. Company repurchased 318,778 shares for $4,613,000 since 2022, leaving $7,387,000 available. Buybacks depend on price and liquidity; program terminable anytime.
8-K
Merger closes, assets hit $3.7B
Colony Bankcorp sealed its merger with TC Bancshares on December 1, 2025, issuing ~3.84M shares and $15.4M cash—80% stock, 20% cash at $21.25 or 1.25 shares per TCBC share. The deal catapults combined assets to $3.7B, deposits to $3.0B, loans to $2.4B, cementing Southeast community bank muscle. Systems convert early 2026. Integration risks loom large.
8-K
Merger approvals secured
Colony Bankcorp shareholders approved issuing common stock for its merger with TC Bancshares on November 13, 2025, with all regulatory approvals secured by November 17. The $86.1 million stock-and-cash deal, signed July 23, eyes a December 1 close. Combined, they'll boast $3.8 billion in assets. Integration risks loom large.
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