Colony Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 10.32 percentage points in Q2 2026, from 123.33% to 113.01%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Colony Bank is 87th of 121 on return on assets, 1.21% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Colony Bank sits 0.06 points lower, at 1.21% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.55% |
| Tier 1 risk-based capital ratio | 13.55% |
| Total risk-based capital ratio | 14.42% |
| Tier 1 leverage ratio | 9.97% |
| Equity capital to assets | 11.18% |
| Tangible equity to tangible assets | 9.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.29% |
| Texas ratio | 6.07% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 113.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 11.07% |
| Net interest margin | 3.57% |
| Efficiency ratio | 60.70% |
| Yield on earning assets | 5.30% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.72% |
| Core deposits to total deposits | 87.09% |
| Brokered deposits to total deposits | 4.10% |
| Deposits to assets | 83.27% |
| Securities to assets | 20.54% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.56% | 12.56% | 13.43% | 8.99% | 0.85% |
| Q4 2023 | 12.94% | 12.94% | 13.85% | 9.28% | 0.85% |
| Q1 2024 | 13.37% | 13.37% | 14.31% | 9.43% | 0.76% |
| Q2 2024 | 13.85% | 13.85% | 14.80% | 9.76% | 0.81% |
| Q3 2024 | 13.67% | 13.67% | 14.65% | 9.51% | 0.84% |
| Q4 2024 | 14.33% | 14.33% | 15.29% | 9.55% | 0.97% |
| Q1 2025 | 14.05% | 14.05% | 15.01% | 9.62% | 0.90% |
| Q2 2025 | 13.23% | 13.23% | 14.14% | 9.48% | 1.10% |
| Q3 2025 | 13.33% | 13.33% | 14.18% | 9.83% | 0.77% |
| Q4 2025 | 13.61% | 13.61% | 14.48% | 10.78% | 0.97% |
| Q1 2026 | 13.59% | 13.59% | 14.45% | 9.95% | 0.94% |
| Q2 2026 | 13.55% | 13.55% | 14.42% | 9.97% | 1.21% |
Colony Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Colony Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Colony Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22257) · FFIEC NIC profile (RSSD 491934)