Colony Bankcorp Q1 FY26 net income rises to $8.2 million; net interest margin widens to 3.48%

Colony Bankcorp, Inc.

Colony Bankcorp, Inc.

CBAN

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  • Colony Bankcorp posted Q1 net income of USD 8.2 million, rising 24.24%, with diluted EPS of USD 0.39.
  • Net interest income on a tax-equivalent basis climbed to USD 29.3 million from USD 21.1 million, as net interest margin widened 55 basis points to 3.48%.
  • Provision for credit losses increased to USD 1.75 million, while net charge-offs rose to USD 1.7 million and allowance for credit losses fell to USD 21.7 million, or 0.9% of total loans.
  • Noninterest income rose 18.22% to USD 10.69 million, while noninterest expense jumped 36.86% to USD 27.67 million, including USD 1.64 million in acquisition-related costs tied to TC Bancshares.
  • Total assets were USD 3.7 billion, with loans up 1.35% to USD 2.41 billion while deposits slipped to USD 3.05 billion; available sources of funding were about USD 1.9 billion with CET1 and total capital ratios of 12.5% and 15.8%.


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