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Sep 30, 2025
Colony Bankcorp Q3 2025 Earnings Report
Colony Bankcorp reported its financial results for the third quarter of 2025, with net income of $5.8 million and diluted EPS of $0.33.
Key Takeaways
Colony Bankcorp delivered a solid third quarter in 2025, with net income reaching $5.8 million and operating net income at $8.2 million. The company experienced an increase in operating revenue, driven by net interest margin expansion and strong noninterest income. Total assets grew to $3.15 billion, and total loans increased by $43.5 million from the prior quarter, reflecting healthy customer demand.
Net income for Q3 2025 was $5.8 million, or $0.33 per diluted share, compared to $5.6 million, or $0.32 per diluted share, for Q3 2024.
Operating net income for Q3 2025 was $8.2 million, or $0.47 of adjusted earnings per diluted share, up from $6.2 million, or $0.35 per diluted share, in Q3 2024.
Total assets increased to $3.15 billion at September 30, 2025, a $37.1 million increase from June 30, 2025.
Net interest margin expanded to 3.17% in Q3 2025, compared to 2.64% for the same period in 2024.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Colony Bankcorp anticipates closing its merger with TC Federal Bank in the fourth quarter of 2025, with systems conversion expected in the first quarter of next year. The company is also making strategic investments in talent to drive future growth.
Positive Outlook
- Planned merger with TC Federal Bank is progressing smoothly and expected to close in Q4 2025.
- Systems conversion for the merger is anticipated in Q1 2026, positioning for early realization of strategic benefits.
- Strategic investment in talent is proceeding well, with successful additions of experienced bankers in key markets.
- These investments are expected to deliver significant long-term value to shareholders.
- Loan growth is moderating to a normalized pace, consistent with a balanced, sustainable growth strategy.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- Integration risks associated with the TC Federal Bank merger, including potential delays or higher costs.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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