# COLONY BANK
FITZGERALD, GA · FDIC certificate 22257 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.61B | |
| Deposits | $3.01B | |
| Loans and leases | $2.49B | |
| Total equity | $404.1M | |
| Loans / deposits | 81.99% (p37 of band) | 87.10% |
| Liquid assets / assets | 24.87% (p64 of band) | |
| Uninsured deposits / deposits | 32.42% (p55 of band) | 30.76% |
| Brokered deposits | 3.42% | |
| Wholesale funding | 8.12% (p58 of band) | |
| FHLB advances / assets | 4.70% | |
| Tier 1 leverage | 9.97% (p36 of band) | 10.50% |
| Unrealized securities loss / equity | -17.25% (p24 of band) | -7.75% |
| AOCI / equity | 0.37% (p90 of band) | |
| ROA (annualized) | 1.08% (p36 of band) | 1.26% |
| Net interest margin | 3.57% (p41 of band) | 3.70% |
| Efficiency ratio | 63.89% (p65 of band) | |
| Noncurrent loans | 0.76% (p64 of band) | 0.51% |
| Net charge-offs (annualized) | 0.19% (p85 of band) | |
| Reserve coverage of noncurrent | 116.07% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 71.00% (p73 of band) | |
| Auto loans | $5.1M (0.20% of loans; DQ 0.43%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 16.1% | |
| Employees | 528 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | assets shrinking | charge-offs p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | assets shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | charge-offs p90 |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | noncurrent p90 |  |
| 2015-03 | 2 |  | noncurrent p90 |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | capital falling, noncurrent p90 |  |
| 2016-03 | 1 |  | capital falling, noncurrent p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | capital falling, charge-offs p90 |  |
| 2019-06 | 1 |  | capital falling, charge-offs p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | reserve under noncurrent |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | expense ratio p90 |  |
| 2022-03 | 0 |  | capital falling, expense ratio p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, expense ratio p90 |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | expense ratio p90 |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | deposits shrinking |  |
| 2024-09 | 0 |  | securities losses >30% of equity, deposits shrinking |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-26 [Two Southeast banks to merge in $163M deal - Banking Dive](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdnVFcU9uSTNncEtPV3o5dUpuc21hOFI3N1BYVURNa0wtVkNTMlhzaC14cEpuUU0xM2p4d2ItLXpYcnpETEdIN1laTzZpQkR4UldiVGpDUEFCaFY1ODNHemJ3U3dHb1M3TDdBaE9zTGNOaHhHVHJCek1DbnVNcWRWOHNn?oc=5) · Banking Dive
- 2026-06-29 [Colony Bankcorp Agrees $163m First Reliance Deal - Banking Exchange](https://news.google.com/rss/articles/CBMiogFBVV95cUxPV2NOV3k4UUl4akJmVGVvOG80S3lGSmxjOEpYX3BzS0pFSmFSdDg2V2Z3aE45bjhhMWIxcm5VWl9sYWVLRTVNLVNmOTlSbjBfdnVlUGpIQ094VkdoSktMdnoxME5pMlM2Wk96REhFY2EzQ0o0Mkd4ZlBxNE1KU1Nfc1d2MFhwVUd0VXRZLWUzb0hsZm9lT0J0Ml81N09wQUNyOXc?oc=5) · Banking Exchange
- 2026-06-24 [Colony Bankcorp, Inc. and First Reliance Bancshares, Inc. Sign Definitive Merger Agreement to Create Transformational Southeast Banking Partnership - Business Wire](https://news.google.com/rss/articles/CBMiqgJBVV95cUxPRV9xS3lxeUJpM3hOUmpoaEE3NEZUcFBQakRfT21ReXFPOC1HUHZOSDZ6bmlaclpWczZiSTMtbHhmQmNMQVozSmk2Z3FUUGp5U0kyUVhVX0RLYk9HU0xSQi1fLUdpdlBqbng3aDVpMnk0OEdkRXBIaUx2blFmMGRSWGNvSGdmN1BjWHdua080UHVyUl90am9XTmpKdndvR3hFTFdENTZNLUx3NUV0VmNqNXpvV3B6bDN2VkRwOVBnVjZJZ2VIYmVnekhiLVRrZ2w4dWpRRWNaUmgySUZpeEU0cnB2ZDNydGFsekZWWnhRbHZjWHZxaXprS2UzejdtVzhmTFpHQUQzRFhHRWduSXlHSEkxQ1Q1T0ZnWVMxcE50QWNMNnowNTdEQnhR?oc=5) · Business Wire
- 2026-05-06 [Colony Bank CEO Heath Fountain on the M&A Environment in Banking - Middle Georgia CEO](https://news.google.com/rss/articles/CBMinAFBVV95cUxPSllBQTlMT3Q2MFlsa1dZRlNNNjhNalZIb1JLeld6NDNYZlVqaEUyUlVkX1E5dnFjRDJaeWZxaXdYN2FwM3hLQkF1LUI5X3RsRkFTSzdZQ04tOU1xZjZfQndxM0xmdFk5VzRDa2JVSTBuVWhLSmlxV3gtMUhhR3RQVng4NWhwR3huNGVybGtxQ1hKSF9sdll4Wl92MnU?oc=5) · Middle Georgia CEO
- 2026-05-15 [Lee Taylor joins Colony Bank as Douglas Market President - Douglas Now](https://news.google.com/rss/articles/CBMihwFBVV95cUxPYy00MUo2dXVSd0RRcVlBOEVEWmVWNVhEOGpsbWUzVzBDSzQ4NVBxT2x3SnY0RGVtMklxdkV3cXpESE9ScnhWU1VIQzJObzNQbHRoUVdBQi1XdUdJa1lDR3BSQ250b1hPbURtR0JobnhHdHdHS0xqUDlra3pWUHE1SUU1QkU0VTg?oc=5) · Douglas Now
- 2025-11-25 [Colony Bank and TC Federal Bank approach completion of merger - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQWXRpNkRUNUpwUHVSaVRXazE5ZFltWk8tRjZXazBtRmtsWktVUXB3NlpkV0FfMG16MnNWeGppcDJ1Q1dMdTRaeDNYYU9NZlVNUWotdnZWTGRBNklJSDJfcXpRZ3pOM1Uxbk9NZ1FmNnNyZktXRUhTSG9HaF9Rd3JGUjloYTNIWU1RMC1sbzVOQVJjSk8wdW5nLVZwSjRkeWNRQVdtYjVGbw?oc=5) · The Business Journals
- 2026-02-28 [First Peoples Bank expands into LaGrange - LaGrange Daily News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZTVqdHZVRWVyUEJEa3FVaV9BeGd4RURBVnVKR0s3UEZlaFJyZmJETDh6NHBPV3B5cE1pZkRpZWEwZGsyS1pkVWRiSmo2ZXlXYVl4eEN5ZGVQd0Z4M3RXc2p5NmdlSFFNa2RyQWY1YXhRcHA0enVPRlpRN1VHVGNpeFJJVV9Ed2RGTWlr?oc=5) · LaGrange Daily News
- 2026-07-06 [Colony Bankcorp, Inc. Announces Date for Second Quarter 2026 Earnings Release and Conference Call - Business Wire](https://news.google.com/rss/articles/CBMi6AFBVV95cUxObW1nd2hLaUdpc1I4dXJBRzhsSHd1TVZleGo5ZER6LW5hN0ZZMmhraFp3U3JWM0liT0R4SVlvTHVITUVEV3UzM0lZSkpReVNPUm1wRUJHMUUwbXhvb00yOGRpU1hYYlptWEpidExiV3RuVm1zTDdPNDVNZTZuempHdmpmeFBQTWZIU1hQR2ZIQXZyNEdFRzR6eFNzWTJuUnJfRFp3LVBrQkVQY2pNYk10M2ozSTRqdWFDQ0FSMmNIcW44Nk1pdHBEbVA2N3E5NW1nNjNZNGtmUVBnWTQwS3dteUJZWTNWS2xB?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22257 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "22257", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide