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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Georgia, the state note

Colony Bank

Fitzgerald, Georgia · $3.61B in assets · beside the 11 other the Southeast banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

+23.5%
Loans, year over year
2nd of 12, largest first
1.08%
ROA
10th of 12
42.8%
CRE / loans
9th of 12

Colony Bank is the fifth largest of the 12 the Southeast banks nearest its size between $3B and $10B, with $3.61B in assets at 30 June 2026. Loans are 82.7% of deposits, 5th of 12 against a median of 88.1%, and equity is 11.2% of assets, 5th of 12. Loans grew +23.5% in the year, 2nd of 12, and deposits grew 16.1%; the cohort's median loan growth is +12.1%.

Noncurrent loans are 0.76% of the book, 7th of 12 against a median of 0.73%; 0.16% is 30 to 89 days past due, and the allowance covers them 1.2 times. Net charge-offs are 0.28% of loans, 11th of 12. Commercial real estate is 42.8% of loans, 9th of 12 against a median of 37.2%, and 278% of capital, below the 300% screen, with construction at 75% against the 100% screen.

Return on assets is 1.08%, 10th of 12 against a median of 1.31%, on an efficiency ratio of 65.0%, 9th of 12. Five years ago it was 1.04%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Return on assetsSoutheast banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.31% FC First Community Bank 1.97% FB First Bank & Trust Co. 1.83% HB Hometrust Bank 1.57% BD Banco Do Brasil Americas 1.52% US U S Century Bank 1.47% MB MVB Bank Inc 1.40% Bo Bank of Tampa 1.22% VB Vallant Bank 1.20% GB Georgia Banking Co. 1.08% CB Colony Bank 1.08% PB Primis Bank 1.03% FC First Carolina Bank 0.77%
Loans, year over yearSoutheast banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +12.1% VB Vallant Bank +84.1% CB Colony Bank +23.5% BD Banco Do Brasil Americas +16.7% GB Georgia Banking Co. +15.4% MB MVB Bank Inc +15.0% PB Primis Bank +13.6% Bo Bank of Tampa +10.6% US U S Century Bank +9.9% FB First Bank & Trust Co. +6.1% FC First Community Bank +4.5% FC First Carolina Bank +1.7% HB Hometrust Bank -2.6%

SBA 7(a), FY2008 to FY2026

Colony Bank is the 25th largest 7(a) lender into Georgia of 409, with $212M across 244 loans, 1.1% of everything approved in the state (Metro City Bank leads with $1.91B). 67 of its 468 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Chatham, GA$31M7th of 1214.4%-2.1 pts
Harris, TX$28M64th of 3140.3%+0.7 pts
Los Angeles, CA$19M99th of 3080.1%+0.0 pts
Gwinnett, GA$15M40th of 1690.6%+1.0 pts
Muscogee, GA$14M3rd of 727.1%-6.5 pts
Fulton, GA$14M51st of 2110.4%+0.4 pts
Dallas, TX$12M82nd of 3140.2%-0.2 pts
Troup, GA$12M2nd of 4310.2%-4.7 pts
Pinellas, FL$11M46th of 1710.7%+1.8 pts
Cook, IL$10M81st of 2820.2%+0.3 pts
Travis, TX$10M59th of 2390.4%-0.9 pts
Coffee, GA$9M5th of 278.1%quiet FY2022
Cherokee, GA$9M18th of 1171.5%thin
455 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade254$142M19.8%0.23%83rd of 2,589
Accommodation & food services160$89M12.3%0.12%159th of 2,596
Health care & social assistance129$70M9.8%0.15%102nd of 2,172
Manufacturing65$66M9.2%0.17%109th of 2,246
Construction74$56M7.8%0.18%93rd of 2,063
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and Colony Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans CB Colony Bank 1.1% $212M · 244 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Colony BankRankCohort median
Total CRE against capital, the 300% screen278%8th of 12252%
Construction against capital, the 100% screen75%8th of 1260%
Construction and land development, share of loans11.5%10th of 129.0%
Non-owner-occupied nonfarm nonresidential, share of loans26.5%9th of 1222.7%
Total CRE, the guidance definition, share of loans42.8%9th of 1237.2%
CRE growth over 36 months, the third prong+27.0%7th of 12+26.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Hometrust Bank$4.44B1.6%60.0%1.40%0.20%1.1%103.6%13.2%
Primis Bank$4.34B1.0%68.0%1.83%0.37%1.2%107.0%11.0%
First Bank & Trust Co.$4.28B1.8%40.0%0.28%0.22%1.3%95.2%9.9%
Vallant Bank$3.99B1.2%68.7%0.51%0.06%1.3%86.3%12.3%
Colony Bank$3.61B1.1%65.0%0.76%0.28%0.9%82.7%11.2%
First Community Bank$3.61B2.0%54.2%0.70%0.17%1.3%80.9%14.2%
MVB Bank Inc$3.50B1.4%64.3%1.18%0.23%1.1%79.5%9.5%
Banco Do Brasil Americas$3.47B1.5%49.9%0.83%0.02%1.3%70.9%10.8%
First Carolina Bank$3.41B0.8%76.7%0.81%0.00%0.8%95.6%13.4%
Georgia Banking Co.$3.26B1.1%64.6%0.67%0.08%1.1%90.0%9.7%
Bank of Tampa$3.02B1.2%58.0%0.29%0.03%1.3%76.7%9.8%
U S Century Bank$3.02B1.5%45.8%0.09%0.02%1.1%93.6%8.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Colony BankCohort median
20212026Change20212026Change
Loans$1.05B$2.49B+136%$1.28B$2.54B+99%
Deposits$1.55B$3.01B+94%$1.90B$3.06B+61%
NPA / loans0.87%0.76%-0.11 pts0.40%0.73%+0.33 pts
Efficiency72.2%65.0%-7.2 pts62.8%62.2%-0.6 pts
ROA1.04%1.08%+0.03 pts1.12%1.31%+0.19 pts

This read was prepared for Colony Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Colony Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southeast banks $3B to $10B
Institution colony.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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