Colony Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
This quarter marks the 50-year anniversary of Colony's 1976 charter. Colony Bank is a community bank chartered in 1976, based in Fitzgerald, GA. Total assets stand at $3.6B. The bank posts a strong 1.21% ROA and 11.07% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 13.55% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.78% NPL ratio. Its footprint covers 33 branches concentrated in Georgia.
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 0.78%, a Texas ratio of 6.07%, per financial data filed with the FFIEC.
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)
- Offices
- 33 domestic
- Employees (FTE)
- 528
- Domestic deposits
- $3.01B
- Allowance for credit losses
- $22.0M
- Net charge-offs (YTD)
- $3.5M
- 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 |
| Shelnutt Derek | CFO | CFO |
| Senn Laurie | COO | CHIEF OPERATIONS OFFICER |
| Bateman Leonard H Jr | CCO | EVP & Chief Credit Officer |
| Rentz Daniel | CIO | Chief Information Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Colony Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Colony 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Colony Bank
- TC Federal Bank, effective December 1, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.55% | 1.21% | 0.78% | 6.07% | 3.57% |
| Q1 2026 | 13.59% | 0.94% | 0.72% | 5.55% | 3.48% |
| Q4 2025 | 13.61% | 0.97% | 0.98% | 7.30% | 3.41% |
| Q3 2025 | 13.33% | 0.77% | 0.77% | 5.87% | 3.26% |
| Q2 2025 | 13.23% | 1.10% | 0.56% | 4.41% | 3.17% |
| Q1 2025 | 14.05% | 0.90% | 0.67% | 4.88% | 2.95% |
| Q4 2024 | 14.33% | 0.97% | 0.60% | 4.35% | 2.93% |
| Q3 2024 | 13.67% | 0.84% | 0.66% | 4.90% | 2.73% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 33 branches →
| 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
What the public regulatory sources show for Colony Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 179 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Colony Bank headquartered?
Colony Bank is headquartered in Fitzgerald, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Colony Bank founded?
Colony Bank was established in 1976, per the FDIC institution directory.
Is Colony Bank FDIC-insured?
Yes. Colony Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Colony Bank's CET1 capital ratio?
Colony Bank 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?
Colony Bank 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?
Colony Bank's Texas Ratio is 6.07% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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