BanksCOLONY BANK

COLONY BANK

FITZGERALD, GALargeEst. April 15, 1976, midnightFDIC #22257RSSD #491934FDIC
Latest · 2025-12-31

COLONY BANK is an 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%. CET1 capital ratio: 13.61%, well above regulatory minimums. NPL ratio: 0.95% · Texas Ratio: 5.81%. Operates 30 domestic branches.

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 Margin3.39%
Yield on Assets5.15%
Cost of Funds1.83%

Asset Quality

NPL Ratio0.95%
Net Charge-Off Ratio0.21%
Texas Ratio5.81%
NPA Ratio0.66%
ACL / Loans0.94%

Capital & Liquidity

CET1 Ratio13.61%
Tier 1 Capital13.61%
Total Capital Ratio14.48%
Leverage Ratio10.78%
Loan-to-Deposit79.41%

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