Colony Bank
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Data as of · sourced from FFIEC call reports. How we update
Colony Bank is an FDIC-insured commercial bank headquartered in Fitzgerald, GA, established in 1976 (FDIC certificate 22257), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.61B, up 16.5% from Q2 2025, the 5th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 13.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22257
- Headquarters
- Fitzgerald, GA
- Established
- 1976
- Total assets, Q2 2026
- $3.61B
- Assets vs Q2 2025
- +16.5%
- CET1 ratio, Q2 2026
- 13.55%
- Domestic offices
- 33 FDIC institution directory, current count
- Routing number
- 061202672
- Holding company
- COLONY BANKCORP, INC.
- Asset rank in state
- 5th of 121 in Georgia
Problem loans are rising at Colony Bank. Its balance sheet stood at $3.6 billion at June 30, 2026, up 16.5% from a year earlier; it is based in Fitzgerald, Georgia. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.63% of loans from 0.30% a year earlier. It grew its loan book 23.5% over the year, 4.0 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets.
Net income for the quarter rose 29% from a year earlier, to $11 million. Over the same year, loans grew 23.5% and deposits grew 16.1%. One more trend to watch: the non-owner-occupied commercial real estate book ($660 million) is worsening: 0.60% of it is past due or on nonaccrual, up from 0.08% a year earlier.
As of June 30, 2026, Colony Bank reported a CET1 capital ratio of 13.55%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.76% and a Texas ratio of 4.98%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Colony Bank is the 5th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.5% to $3.61B, loans rose 2.4% and deposits fell 2.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 26.5% of total loans, ahead of 1-4 family residential loans at 20.8%. Its 33 offices in the FDIC Summary of Deposits are in 32 cities across 2 states; its Fitzgerald office books 20% of its branch deposits. Judged on its Q2 2026 call report, Colony Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 302 S Main St, Fitzgerald, GA 31750
- County
- Ben Hill
- Metro Area
- Fitzgerald, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 15, 1976
- Former names
- Colony Bank of Fitzgerald (2000-2008); The Bank of Fitzgerald (1977-2000)
- Domestic offices
- 33 FDIC institution directory, current count
- Employees (FTE)
- 528
- Domestic deposits
- $3.01B
- Allowance for credit losses
- $22.0M
- Net charge-offs (YTD)
- $3.5M
- Average total assets
- $3.70B
- Average total loans
- $2.45B
- Average interest-bearing deposits
- $2.56B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 15, 1976
- FDIC Cert
- 22257
- Fed RSSD
- 491934
- SEC CIK
- 711669 → filed by COLONY BANKCORP, INC.
- Website
- colony.bank →
- Parent Holding Company
- COLONY BANKCORP, INC. (RSSD 1085170) · CBAN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Fountain T Heath | CEO | President and CEO |
| Copeland R Dallis Jr | PRES | President |
| Derek Shelnutt | CFO | CFO |
| Laurie Senn | COO | CHIEF OPERATIONS OFFICER |
| Leonard H Bateman Jr | CCO | EVP & Chief Credit Officer |
| Daniel Rentz | CIO | Chief Information Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Colony Bank's total assets ran between $3.00B (Q2 2024) and $3.72B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.61B total assets against $3.10B; $3.21B total liabilities against $2.79B.
$2.47B net loans and leases against $2.00B; $3.01B total deposits against $2.59B.
$742.3M securities against $789.2M; $156.5M cash and balances due against $108.5M.
$45.7M total interest income against $36.8M; $15.0M total interest expense against $13.5M.
$30.7M net interest income against $23.3M.
$12.4M total noninterest income against $10.2M; $26.7M total noninterest expense against $22.2M.
$1.9M provision for credit losses against $450K.
$11.2M net income against $8.7M.
1.21% return on assets against 1.10%; 3.57% net interest margin against 3.17%.
13.55% CET1 capital ratio against 13.23%; 9.97% tier 1 leverage ratio against 9.48%.
Inside the full Colony Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Colony Bank rankings
Its closest position to the top of a national ranking is 355 of 4,196, for total assets; its furthest is 1,235 of 2,134, for CET1 ratio.
Banks merged into Colony Bank
- TC Federal Bank, effective December 1, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q3 2025) to 1.21% (Q2 2026) and its net interest margin ran from 2.73% (Q3 2024) to 3.57% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.55% | 1.21% | 0.76% | 4.98% | 3.57% |
| Q1 2026 | 13.59% | 0.94% | 0.73% | 4.98% | 3.48% |
| Q4 2025 | 13.61% | 0.97% | 0.95% | 5.73% | 3.41% |
| Q3 2025 | 13.33% | 0.77% | 0.70% | 3.90% | 3.26% |
| Q2 2025 | 13.23% | 1.10% | 0.53% | 2.50% | 3.17% |
| Q1 2025 | 14.05% | 0.90% | 0.64% | 3.35% | 2.95% |
| Q4 2024 | 14.33% | 0.97% | 0.57% | 2.52% | 2.93% |
| Q3 2024 | 13.67% | 0.84% | 0.64% | 3.04% | 2.73% |
Swipe the table sideways to see every column.
Branch Network
View all 33 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Colony Bank (main office) | Fitzgerald , GA | 31750 | $590.0M |
| Tc Federal Bank Branch | Thomasville , GA | 31792 | $159.6M |
| Cedartown Main | Cedartown , GA | 30125 | $145.4M |
| Thomaston Downtown | Thomaston , GA | 30286 | $143.5M |
| Colony Branch | Leesburg , GA | 31763 | $121.4M |
| Tallahassee Branch | Tallahassee , FL | 32309 | $120.7M |
| Tifton Branch | Tifton , GA | 31794 | $115.2M |
| Calumet Bank Branch | Lagrange , GA | 30241 | $109.9M |
| Colony Bank Columbus Branch | Columbus , GA | 31904 | $105.4M |
| Savannah Branch | Savannah , GA | 31406 | $99.0M |
| Manchester Branch | Manchester , GA | 31816 | $98.1M |
| Colony Bank Ashburn Branch | Ashburn , GA | 31714 | $88.4M |
| Cordele Branch | Cordele , GA | 31015 | $88.0M |
| Douglas Office Branch | Douglas , GA | 31533 | $87.7M |
| Valdosta Branch | Valdosta , GA | 31602 | $85.7M |
| Jacksonville San Jose Branch | Jacksonville , FL | 32223 | $83.4M |
| Colony Bank of Dodge County Branch | Eastman , GA | 31023 | $76.8M |
| Albany-Old Dawson Branch | Albany , GA | 31721 | $75.0M |
| Moultrie Branch | Moultrie , GA | 31768 | $72.5M |
| Warner Robbins Branch | Warner Robins , GA | 31088 | $59.2M |
| Colony Bank Worth Branch | Sylvester , GA | 31791 | $56.7M |
| Chickamauga Branch | Chickamauga , GA | 30707 | $51.0M |
| Colony Bank Wilcox Branch | Rochelle , GA | 31079 | $50.0M |
| Rockmart Branch | Rockmart , GA | 30153 | $46.6M |
| Atlanta Perimeter North Branch | Atlanta , GA | 30342 | $43.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2025 | Structure Change | Acquired TC Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2021 | Structure Change | Acquired Southcrest Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2019 | Structure Change | Acquired Calumet Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2008 | Structure Change | Acquired Colony Bank Southeast Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (SEC Form 8-K)
- June 24, 2026, SEC Form 8-K: 8-K Item 1.01: written agreement
- July 23, 2025, SEC Form 8-K: 8-K Item 1.01: written agreement
- Period: Most recent institution action June 24, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in GA, rank 18 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,418 applications, 1,111 loans originated, $385.5M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 228 loans, $84.7M approved, $371K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Colony Bank
What are Colony Bank's total assets?
As of the Q2 2026 filing, Colony Bank reported total assets of $3.61 billion in its FFIEC call report.
Where is Colony Bank headquartered?
It is headquartered in Fitzgerald, GA, United States.
When was Colony Bank founded?
It was established in 1976, per the FDIC institution directory.
Is Colony Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22257). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Colony Bank?
Colony Bank's primary federal regulator is the FDIC.
What is Colony Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Colony Bank operate?
It operates 33 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Colony Bank's Texas Ratio?
Its Texas Ratio is 4.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Colony Bank previously called?
The charter now named Colony Bank has also operated as Colony Bank of Fitzgerald (2000-2008), The Bank of Fitzgerald (1977-2000), per FDIC structure-change records.
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