The bank maintains a stable capital structure with an equity-to-assets ratio of 0.10, supported by a $3.4 billion investment securities portfolio that serves as the primary liquidity engine.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 | Dec'97 | Dec'96 |
|---|
| Cash & Short Term Investments | 1.04B | 252.5M | 64.84M | 432.72M | 453.14M | 957.14M | 398.03M | 362.9M | 363.44M | 412.06M | 398.82M | 357.02M | 320.27M | 310.91M | 319.34M | 361.23M | 67.34M | 32.47M | 29.61M | 29.84M | 30.31M | 23.24M | 24.18M | 33.97M | 35.88M | 29.2M | 18.59M | 22.5M | 40.1M | 37.3M | 36.18M |
| Cash & Due from Banks | 24.35M | 27.31M | 26.05M | 25.34M | 20.58M | 18.98M | 17.22M | 15.57M | 10.38M | 57.81M | 75.17M | 60.87M | 45.68M | 47.65M | 51.04M | 57.34M | 67.34M | 32.47M | 29.57M | 29.84M | 30.31M | 23.24M | 24.18M | 33.97M | 35.88M | 29.2M | 18.59M | 22.5M | 40.1M | 37.3M | 36.18M |
| Short Term Investments | 0 | 225.19M | 38.8M | 407.38M | 432.55M | 938.16M | 380.81M | 347.33M | 353.07M | 354.25M | 323.66M | 296.15M | 274.6M | 263.26M | 268.3M | 303.89M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 3.45B | 3.23B | 2.68B | 2.77B | 2.65B | 2.32B | 1.48B | 1.32B | 1.13B | 1.11B | 1.07B | 1.05B | 1.01B | 1B | 1B | 1B | 1.09B | 1.17B | 1.15B | 1.1B | 1.08B | 972.3M | 882.41M | 757.75M | 664.61M | 531.19M | 454.37M | 373.6M | 319.9M | 229.72M | 202.44M |
| Investments Growth % | 54.26% | 20.51% | -3.21% | 4.35% | 14.49% | 56.04% | 12.1% | 17.11% | 1.69% | 4.01% | 2.18% | 3.39% | 0.92% | -0.01% | -0.21% | -7.74% | -6.71% | 1.36% | 4.48% | 1.66% | 11.51% | 10.19% | 16.45% | 14.01% | 25.12% | 16.91% | 21.62% | 16.79% | 39.25% | 13.48% | 9.72% |
| Long-Term Investments | 11.41B | 3B | 2.64B | 2.36B | 2.22B | 1.38B | 1.1B | 976.32M | 777.23M | 757.28M | 745M | 749.67M | 736.96M | 739.09M | 734.12M | 700.66M | 1.09B | 1.17B | 1.15B | 1.1B | 1.08B | 972.3M | 882.41M | 757.75M | 664.61M | 531.19M | 454.37M | 373.6M | 319.9M | 229.72M | 202.44M |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 70.44M | 71.72M | 51.9M | 53.12M | 54.59M | 60.3M | 18.26M | 19.53M | 758.82K | 44.77K | 80.52K | 116.26K | 152.01K | 187.76K | 223.51K | 259.26K | 295.01K | 330.76K | 2.78M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 63.05M | 63.87M | 48.92M | 48.92M | 48.92M | 52.91M | 15.99M | 16.48M | 202.24K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.41M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 7.4M | 7.85M | 2.98M | 4.19M | 5.66M | 7.39M | 2.27M | 3.06M | 556.57K | 44.77K | 80.52K | 116.26K | 152.01K | 187.76K | 223.51K | 259.26K | 295.01K | 330.76K | 366.5K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 36.84M | 37.05M | 37.83M | 39.87M | 41.61M | 43.03M | 32.06M | 32.48M | 28.83M | 27.64M | 27.97M | 26.45M | 24.96M | 24.88M | 24.92M | 25.75M | 27.15M | 28.83M | 29.67M | 27.81M | 27.45M | 25.68M | 21.82M | 17.57M | 17.33M | 14.63M | 14.05M | 12.8M | 11.7M | 10.45M | 9.76M |
| Other Assets | 107.88M | 352.93M | 294.51M | 143.35M | 140.67M | 250.38M | 212.43M | 122.58M | 78.15M | 35.73M | 38.57M | 40.88M | 64.55M | 73.49M | 60.8M | 107.48M | 92.08M | 78.31M | 39.18M | 46.13M | 68.72M | 84.19M | 66.13M | 58.87M | 62.83M | 46.56M | 32.89M | 26.4M | 9.6M | 65.47M | 71.16M |
| Total Current Assets | 38.45M | 252.5M | 64.84M | 432.72M | 453.14M | 957.14M | 398.03M | 362.9M | 363.44M | 412.06M | 398.82M | 357.02M | 320.27M | 310.91M | 319.34M | 361.23M | 67.34M | 32.47M | 29.61M | 29.84M | 30.31M | 23.24M | 24.18M | 33.97M | 35.88M | 29.2M | 18.59M | 22.5M | 40.1M | 37.3M | 36.18M |
| Total Non-Current Assets | 3.68B | 3.48B | 3.04B | 2.62B | 2.48B | 1.73B | 1.37B | 1.15B | 888.43M | 820.7M | 811.62M | 817.13M | 826.62M | 837.64M | 820.06M | 834.15M | 1.21B | 1.27B | 1.22B | 1.18B | 1.18B | 1.09B | 973.41M | 834.64M | 745.22M | 592.38M | 501.31M | 412.8M | 341.2M | 305.64M | 283.36M |
| Total Assets | 3.72B | 3.74B | 3.11B | 3.05B | 2.94B | 2.69B | 1.76B | 1.52B | 1.25B | 1.23B | 1.21B | 1.17B | 1.15B | 1.15B | 1.14B | 1.2B | 1.28B | 1.31B | 1.25B | 1.21B | 1.21B | 1.11B | 997.59M | 868.61M | 781.1M | 621.58M | 519.9M | 435.3M | 381.3M | 342.95M | 319.54M |
| Asset Growth % | 43.86% | 20.12% | 1.85% | 3.98% | 9.1% | 52.59% | 16.41% | 21.04% | 1.55% | 1.84% | 3.09% | 2.38% | -0.14% | 0.8% | -4.68% | -6.29% | -2.4% | 4.33% | 3.64% | -0.39% | 9.49% | 11.1% | 14.85% | 11.2% | 25.66% | 19.56% | 19.44% | 14.16% | 11.18% | 7.33% | 14.71% |
| Return on Assets (ROA) | 0.87% | 0.83% | 0.77% | 0.73% | 0.69% | 0.84% | 0.72% | 0.74% | 0.96% | 0.63% | 0.73% | 0.72% | 0.66% | 0.4% | 0.23% | 0.21% | 0.04% | -1.5% | 0.16% | 0.71% | 0.87% | 0.85% | 0.86% | 0.83% | 0.82% | 0.85% | 0.94% | 1.03% | 1.08% | 1.09% | 0.98% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 258.14M | 258.1M | 248.04M | 238.44M | 203.35M | 88.45M | 60.29M | 85.79M | 68.23M | 71.73M | 70.23M | 64.23M | 64.23M | 64.23M | 59.23M | 95.23M | 119.31M | 155.23M | 157.5M | 99.17M | 86.8M | 89.3M | 80.52M | 75.62M | 46.43M | 47.18M | 25.09M | 22M | 14.5M | 13.07M | 5.66M |
| Net Debt | 233.79M | 230.8M | 221.99M | 213.11M | 182.77M | 69.47M | 43.07M | 70.22M | 57.85M | 13.92M | -4.94M | 3.36M | 18.55M | 16.58M | 8.19M | 37.89M | 51.97M | 122.75M | 127.9M | 69.34M | 56.49M | 66.06M | 56.34M | 41.65M | 10.54M | 17.98M | 6.49M | -500K | -25.6M | -24.23M | -30.53M |
| Long-Term Debt | 173.16M | 258.1M | 248.04M | 238.44M | 203.35M | 83.14M | 54.98M | 80.48M | 68.23M | 71.73M | 70.23M | 64.23M | 64.23M | 64.23M | 59.23M | 95.23M | 99.31M | 115.23M | 115.23M | 99.17M | 86.8M | 89.3M | 80.52M | 75.62M | 46.43M | 47.18M | 25.09M | 11.1M | 0 | 0 | 0 |
| Short-Term Debt | 84.98M | 0 | 0 | 0 | 0 | 5.31M | 5.31M | 5.31M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 20M | 40M | 42.27M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10.9M | 14.5M | 13.07M | 5.66M |
| Other Liabilities | 3.08B | 33.86M | 15.13M | 15.25M | 11.95M | 10.95M | 114.17M | 5.27M | 2.83M | 2.72M | 2.47M | 2.91M | 4.34M | 6.84M | 4.72M | 3.55M | 4.27M | 5M | 5.07M | 7.26M | 7.65M | 6.54M | 4.97M | 4.69M | 4.65M | 4.41M | 4.59M | 3.9M | 3M | 2.89M | 2.62M |
| Total Current Liabilities | 84.98M | 3.07B | 2.57B | 2.54B | 2.49B | 2.38B | 1.45B | 1.3B | 1.09B | 1.07B | 1.04B | 1.01B | 979.3M | 987.53M | 979.68M | 999.99M | 1.08B | 1.1B | 1.05B | 1.02B | 1.04B | 944.37M | 850.33M | 732.32M | 664.59M | 528.02M | 450.01M | 385.3M | 345.2M | 311.24M | 291.33M |
| Total Non-Current Liabilities | 3.26B | 291.96M | 263.16M | 253.7M | 215.31M | 94.09M | 169.15M | 85.75M | 71.06M | 74.45M | 72.7M | 67.14M | 68.57M | 71.07M | 63.95M | 98.78M | 103.58M | 120.23M | 120.3M | 106.43M | 94.45M | 95.85M | 85.5M | 80.31M | 51.08M | 51.59M | 29.68M | 15M | 3M | 2.89M | 2.62M |
| Total Liabilities | 3.34B | 3.36B | 2.83B | 2.8B | 2.71B | 2.47B | 1.62B | 1.38B | 1.16B | 1.14B | 1.12B | 1.08B | 1.05B | 1.06B | 1.04B | 1.1B | 1.18B | 1.22B | 1.17B | 1.13B | 1.14B | 1.04B | 935.83M | 812.63M | 715.67M | 579.6M | 479.69M | 400.3M | 348.2M | 314.13M | 293.95M |
| Total Equity | 380.4M | 375.92M | 278.68M | 254.94M | 230.27M | 217.71M | 144.49M | 130.51M | 95.69M | 90.32M | 93.39M | 95.46M | 99.03M | 89.95M | 95.76M | 96.61M | 92.96M | 89.28M | 83.22M | 83.74M | 76.61M | 68.13M | 61.76M | 55.98M | 65.43M | 41.97M | 40.21M | 35M | 33.1M | 28.82M | 25.59M |
| Equity Growth % | 87.99% | 34.9% | 9.31% | 10.71% | 5.77% | 50.67% | 10.71% | 36.38% | 5.94% | -3.28% | -2.17% | -3.61% | 10.09% | -6.06% | -0.88% | 3.93% | 4.13% | 7.28% | -0.63% | 9.31% | 12.45% | 10.31% | 10.34% | -14.45% | 55.89% | 4.38% | 14.89% | 5.74% | 14.85% | 12.62% | 21.54% |
| Equity / Assets (Capital Ratio) | 10.22% | 10.06% | 8.96% | 8.35% | 7.84% | 8.09% | 8.19% | 8.61% | 7.64% | 7.33% | 7.72% | 8.13% | 8.63% | 7.83% | 8.4% | 8.08% | 7.29% | 6.83% | 6.64% | 6.93% | 6.31% | 6.15% | 6.19% | 6.44% | 8.38% | 6.75% | 7.73% | 8.04% | 8.68% | 8.4% | 8.01% |
| Return on Equity (ROE) | 8.83% | 8.63% | 8.95% | 8.96% | 8.72% | 10.3% | 8.59% | 9.03% | 12.81% | 8.44% | 9.19% | 8.61% | 7.97% | 4.99% | 2.75% | 2.67% | 0.52% | -22.24% | 2.43% | 10.66% | 14.03% | 13.82% | 13.71% | 11.23% | 10.71% | 11.84% | 12% | 12.33% | 12.6% | 13.3% | 12.58% |
| Book Value per Share | 17.92 | 21.13 | 15.87 | 14.50 | 13.39 | 19.34 | 15.21 | 14.29 | 11.21 | 10.46 | 10.97 | 11.29 | 11.73 | 10.66 | 11.35 | 11.45 | 11.41 | 12.38 | 11.56 | 11.65 | 10.67 | 9.50 | 8.66 | 7.80 | 9.36 | 6.07 | 5.80 | 5.05 | 4.79 | 4.24 | 5.65 |
| Tangible BV per Share | 14.61 | 17.10 | 12.92 | 11.48 | 10.22 | 13.99 | 13.29 | 12.15 | 11.12 | 10.46 | 10.96 | 11.27 | 11.72 | 10.64 | 11.32 | 11.42 | 11.37 | 12.33 | 11.17 | 11.65 | 10.67 | 9.50 | 8.66 | 7.80 | 9.36 | 6.07 | 5.80 | 5.05 | 4.79 | 4.24 | 5.65 |
| Common Stock | 21.16M | 21.25M | 17.52M | 17.56M | 17.6M | 13.67M | 9.5M | 9.5M | 8.45M | 8.44M | 8.44M | 8.44M | 8.44M | 8.44M | 8.44M | 8.44M | 8.44M | 7.23M | 7.21M | 7.2M | 7.19M | 7.18M | 5.74M | 5.73M | 4.57M | 4.45M | 4.44M | 4.4M | 0 | 21.73M | 14.49M |
| Additional Paid-in Capital | 227.07M | 228.58M | 168.35M | 168.61M | 167.54M | 111.02M | 43.22M | 43.67M | 25.98M | 29.14M | 29.14M | 29.14M | 29.14M | 29.14M | 29.15M | 29.14M | 29.17M | 25.39M | 24.54M | 24.42M | 24.26M | 24M | 23.71M | 23.5M | 23.36M | 21.65M | 21.6M | 21.5M | 0 | 1.14M | 1.14M |
| Retained Earnings | 166.24M | 160.58M | 140.37M | 124.4M | 111.57M | 99.19M | 84.99M | 76.98M | 69.46M | 59.23M | 51.47M | 44.29M | 38.29M | 33.45M | 30.5M | 29.46M | 28.48M | 29.55M | 51.3M | 52.09M | 46.42M | 38.6M | 33.12M | 26.86M | 22.74M | 18.25M | 14.44M | 10.8M | 9.4M | 6.08M | 10.14M |
| Accumulated OCI | -34.07M | -34.49M | -47.57M | -55.64M | -66.44M | -6.18M | 6.78M | 362K | -8.19M | -6.49M | -5.02M | -4.43M | -4.84M | -9.07M | -149.81K | 1.91M | -600K | -99.81K | 376.13K | 34.87K | -1.25M | -1.66M | -808K | -108K | 756K | 288.97K | -269K | -1.7M | 0 | -132K | -179K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2.66M | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9.36M | 18.02M | 28M | 28M | 27.83M | 27.66M | 27.51M | 27.36M | 0 | 0 | 0 | 0 | 0 | 0 | 14M | 0 | 0 | 0 | 0 | 0 | 0 |
Georgia CRE concentration risk
As reported in recent financial statements, Colony Bankcorp's total assets reached $3.7 billion in 2026Q1, reflecting a consistent expansionary trend driven primarily by a significant increase in the investment securities portfolio, which grew from $2.7 billion in 2024Q1 to $3.4 billion by the most recent quarter.
The bank's asset growth appears heavily weighted toward securities rather than organic loan expansion, which may suggest a defensive posture in the current interest rate environment. Investors should monitor whether this shift into securities is a temporary liquidity management strategy or a long-term pivot away from traditional lending risks.
Based on the bank's quarterly filings, the equity-to-assets ratio has remained remarkably stable at approximately 0.10 throughout 2026Q1, indicating that management has successfully maintained capital adequacy levels despite the concurrent growth in the overall size of the balance sheet over the past two years.
This stability suggests a disciplined approach to capital retention, likely supported by consistent earnings generation. However, the bank's ability to sustain this ratio while navigating potential credit volatility in its Georgia-centric loan book warrants further investigation by analysts.
According to recent SEC filings, the bank maintains a substantial investment securities portfolio of $3.4 billion, which serves as a primary liquidity engine compared to the relatively modest cash and due from banks balance of $24.3 million reported at the end of 2026Q1.
The heavy reliance on the securities portfolio for liquidity implies that the bank's funding profile is sensitive to market price fluctuations in its bond holdings. If interest rates remain elevated, the potential for unrealized losses in this portfolio could constrain the bank's flexibility to deploy capital for future growth.
As detailed in the company's financial disclosures, the bank's balance sheet is almost entirely concentrated within the Georgia market, creating a structural vulnerability to localized economic downturns that could disproportionately impact the credit quality of its commercial real estate and agri-business loan portfolios.
While the bank's localized knowledge provides a competitive moat, this geographic concentration represents a non-obvious risk that could lead to rapid deterioration in asset quality if regional economic conditions weaken. Analysts should be wary of assuming that national economic trends will accurately predict the performance of this specific, highly localized balance sheet.
Quick answers to the most common questions about buying CBAN stock.
As of 2025, Colony Bankcorp, Inc. (CBAN) had total assets of $3.74B including $252.5M in current assets.
Colony Bankcorp, Inc. (CBAN) carries total debt of $258.1M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Colony Bankcorp, Inc. (CBAN) has total shareholders' equity (book value) of $375.9M ($21.13 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Colony Bankcorp, Inc. (CBAN) reported a current ratio of 0.08x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.