COLONY BANK

FITZGERALD, GA | Large | Est. April 15, 1976, midnight | FDIC #22257 | RSSD #491934 | FDIC
Latest Report: 2025-12-31

COLONY BANK is aln large FDIC-insured commercial bank headquartered in FITZGERALD, GA, established in April 15, 1976, midnight. As of 2025-12-31, the bank reported total assets of $3.7B and total deposits of $3.1B. Profitability stands at 0.95% ROA and 9.06% ROE, with a net interest margin of 3.39%. The bank's CET1 capital ratio is 13.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.95% and a Texas Ratio of 5.81%. FDIC Certificate #22257.

Assets

$3.7B

Deposits

$3.1B

Loans

$2.5B

Equity

$398M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 9.06%
Net Interest Margin (NIM) 3.39%
Yield on Assets 5.15%
Cost of Funds 2.04%

Asset Quality

NPL Ratio 0.95%
Net Charge-Off Ratio 0.21%
Texas Ratio 5.81%
NPA Ratio 0.66%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 13.61%
Tier 1 Capital 13.61%
Total Capital Ratio 14.48%
Leverage Ratio 10.78%
Loan-to-Deposit 79.41%

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