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Colony Bank
Fitzgerald, GA · FDIC Certificate #22257 · Chartered 04/1
Total assets
$3.61B
Total deposits
$3.01B
Total equity
$404.10M
Net loans
$2.47B
Branches (offices)
33
Net income (YTD)
$19.95M
Rank: #363 of 4,213 U.S. banks by assets · #5 of 123 in Georgia. Assets changed 16.5% and deposits 16.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 9.90% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 11.18% |
| Tier 1 leverage ratio | 9.97% |
| Uninsured deposits (share of deposits) | 32.4% |
| Noncurrent loans (share of loans) | 0.76% |
| Net charge-offs (share of loans) | 0.28% |
| Loans to deposits | 82.0% |
| Real estate loans (share of loans) | 84.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.08B | 84.5% | |
| Commercial & industrial | $200.38M | 8.1% | |
| Consumer / individual | $177.74M | 7.2% | |
| Construction & development | $286.91M | 11.6% | |
| Agricultural | $14.45M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.72B | $2.40B | $9.22M | $222.26M |
| Jun 2023 | $3.09B | $2.66B | $11.39M | $260.89M |
| Jun 2024 | $3.00B | $2.48B | $11.99M | $295.80M |
| Jun 2025 | $3.10B | $2.59B | $15.84M | $311.87M |
| Jun 2026 | $3.61B | $3.01B | $19.95M | $404.10M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $2.80B | 31 |
| Florida | $204.13M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.01B.
Similar-sized banks
Village Bank And Trust, National Association ($3.63B) · First Community Bank ($3.61B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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