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Dec 31, 2025
Colony Bankcorp Q4 2025 Earnings Report
Colony Bankcorp reported solid fourth quarter 2025 results, with higher net income and margin expansion driven by organic growth and the TC Federal acquisition.
Key Takeaways
Colony Bankcorp delivered a strong Q4 with increased net interest income and stable credit quality. The integration of TC Federal significantly expanded the balance sheet, contributing to deposit and loan growth.
Net income rose to $7.8 million, driven by higher net interest income and stable noninterest income.
Acquisition of TC Federal boosted total assets to $3.74 billion and deposits to over $3 billion.
Net interest margin improved to 3.32%, reflecting better yield on interest-earning assets.
Allowance for credit losses increased to $23 million, reflecting loan growth and acquisition impacts.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Colony expects continued momentum from Q4 into 2026, supported by the full integration of TC Federal and stable asset quality. Management sees margin expansion opportunities and a solid credit environment.
Positive Outlook
- Strong momentum entering 2026
- Margin expected to continue expanding
- Stable credit quality outlook
- Full integration of TC Federal anticipated in Q1
- Diversified revenue streams supporting performance
Challenges Ahead
- Provision for credit losses increased in Q4
- Criticized and classified loans rose
- Allowance coverage declined year-over-year
- Loan charge-offs remained elevated
- Variability in nonperforming asset trends
Historical Earnings Impact
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Avg. Return Before/After Earnings
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