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Colony Bankcorp - CBAN STOCK NEWS

Welcome to our dedicated page for Colony Bankcorp news (Ticker: CBAN), a resource for investors and traders seeking the latest updates and insights on Colony Bankcorp stock.

Company Overview

Colony Bankcorp Inc (CBAN) is a single bank holding company headquartered in Fitzgerald, Georgia, that offers a comprehensive range of banking services including commercial loans and residential mortgage products. With a well-established branch network spanning 29 locations across central and south Georgia, the company is positioned as a key financial institution dedicated to serving both retail and commercial customers. Its operations are built on a community-centric approach that emphasizes personalized customer service and deep ties with local economies.

Core Business and Operational Segments

The company operates through several divisions including the primary Banking Division, a dedicated Retail Mortgage Division, and specialized small business lending services. The Banking Division is central to Colony Bankcorp's revenue model, providing a wide range of loan offerings such as loans for small and medium-sized enterprises, commercial real estate, construction and land development, as well as agri-business and production loans.

Alongside its loan portfolio, the bank offers diverse deposit products like demand, savings, and time deposit accounts. These offerings are designed to meet the varied needs of individuals and businesses, creating a balanced mix of services that underpin its traditional community banking model.

Market Position and Customer Focus

Colony Bankcorp positions itself as a reliable regional bank with a strong foothold in the local market. The company’s extensive branch network across several cities such as Albany, Douglas, and Warner Robins underscores its commitment to accessibility and personalized banking solutions. The focus on both retail and commercial clientele ensures a diversified customer base, while the specialized small business lending division further distinguishes its service offerings.

Competitive Landscape and Differentiation

In the context of a competitive banking sector, Colony Bankcorp differentiates itself through a localized approach and a diversified product suite. By focusing on community-based relationships and tailoring financial solutions to the needs of its customer segments, the company establishes an operational model that thrives on regional trust and expertise. The well-defined segmentation, with distinct operational roles within its banking, mortgage, and specialty lending divisions, provides clarity and focus in a market where customer service and financial expertise are critical.

Strategic Operations and Service Philosophy

The operational strategy of Colony Bankcorp revolves around maintaining a high level of customer trust while balancing risk and reward through diversified revenue streams. Its loan portfolio reflects a comprehensive approach that manages various client needs—from consumer loans to extensive commercial and construction financing. This strategy is underpinned by a commitment to stringent financial practices and a thorough understanding of regional economic dynamics, ensuring resilience and stability in its operations.

Conclusion

Overall, Colony Bankcorp Inc combines traditional banking values with a diversified and regionally concentrated business model. The company’s robust range of products and services, combined with a strong local presence, allows it to serve an array of customer needs effectively. The detailed structure and expert segmentation not only solidify its market position but also provide a clear snapshot of its operational dynamics in a competitive financial landscape.

Rhea-AI Summary

Colony Bankcorp (NYSE: CBAN) has scheduled its first quarter 2025 financial results announcement for Wednesday, April 23, 2025, after market close. The company will host a conference call to discuss the results on Thursday, April 24, 2025, at 9:00 AM ET.

Investors can access the conference call by dialing 1-800-549-8228 with Conference ID: 68027. A replay will be available until May 1, 2025, at 1-888-660-6264 using passcode 68027#. Financial results and investor materials will be accessible on the company's website under the Investor Relations section.

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Colony Bankcorp (NYSE: CBAN) has acquired The Ellerbee Agency, an Allstate appointed consumer property and casualty insurance agency. The acquisition expands Colony Insurance's footprint with two new office locations in Monroe, Georgia and Greensboro, Georgia.

The Ellerbee Agency, led by Sean Ellerbee who brings over two decades of experience, will be integrated into Colony Insurance, the Company's wholly-owned insurance subsidiary. The acquisition includes eleven experienced agents, with Sean Ellerbee joining Colony Insurance's leadership team to focus on sales and coaching efforts.

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Colony Bankcorp (NYSE: CBAN) received affirmation of its credit ratings from Kroll Bond Rating Agency (KBRA) on March 27, 2025. The ratings include a BBB rating for senior unsecured debt, BBB- for subordinated debt, and K3 for short-term debt. KBRA maintained a Stable outlook for all long-term ratings, highlighting the company's strong deposit franchise, diverse revenue streams, and stable loan portfolio credit profile.

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Colony Bankcorp (NYSE: CBAN) announced that Edward P. Loomis, Jr. will retire from the Board of Directors of both the Company and Colony Bank, effective May 22, 2025. Loomis served as President and CEO from May 2012 until July 2018, during which he:

  • Guided Colony through recession recovery
  • Implemented new efficiencies
  • Expanded into new markets

Prior to Colony, Loomis's banking career began in 1975 at Trust Company Bank in Atlanta as VP and Commercial Lender. He held executive roles at First Macon Bank & Trust, Atlantic Southern Bank, and served as interim President and CEO at Rivoli Bank and Trust in 2005. Board Chairman Mark H. Massee credited Loomis as a stabilizing force who ensured smooth succession planning.

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Colony Bankcorp (NYSE: CBAN) has appointed Paul Joiner, III to its Board of Directors for both the Company and Colony Bank, effective March 1, 2025. Joiner, currently Vice President of Finance at SASCO Chemical Group, brings over 20 years of experience in finance, accounting, corporate leadership, and real estate investment.

A Certified Public Accountant with advanced degrees from the University of Georgia, Joiner has previously served as Chief Financial Officer at Thrush Aircraft and held various positions at regional accounting firm Mauldin & Jenkins. His expertise includes auditing, regulatory reporting, finance, and involvement in residential and commercial real estate investments.

The appointment aligns with Colony's strategy to strengthen its leadership team and drive continued growth. Chairman Mark H. Massee highlighted Joiner's professional excellence and alignment with company values, while CEO T. Heath Fountain emphasized his forward-thinking approach and financial expertise as valuable assets for building lasting value for stakeholders.

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Colony Bankcorp (NYSE: CBAN) has announced its participation in the upcoming Janney 2025 CEO Forum, scheduled for January 29th and 30th. The company will be represented by Heath Fountain, Chief Executive Officer, and Derek Shelnutt, Chief Financial Officer. Investors and interested parties can access the presentation materials before the event through the Investor Relations section on Colony's official website at www.colony.bank.

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Colony Bankcorp (NYSE: CBAN) reported strong Q4 2024 financial results with net income increasing to $7.4 million ($0.42 per diluted share), up from $5.6 million ($0.32 per diluted share) in Q3 2024. Operating net income rose to $7.8 million ($0.44 per diluted share).

Total deposits increased by $43.0 million to $2.57 billion, while total loans decreased by $43.1 million to $1.84 billion. The company's mortgage production reached $76.9 million with sales of $51.4 million. The Small Business Specialty Lending division closed $22.2 million in SBA loans and sold $30.0 million.

The Board declared a quarterly cash dividend increase to $0.1150 per share, payable February 19, 2025. The company maintained strong capital ratios, with preliminary tier one leverage ratio at 9.50% and total risk-based capital ratio at 17.10%.

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Colony Bankcorp (NYSE: CBAN) has announced key executive promotions and organizational changes to strengthen its leadership team. Ed Canup, former Chief Revenue Officer, has been promoted to Chief Banking Officer, bringing over 40 years of banking experience to oversee Commercial and Retail Banking. Daniel Rentz, with 15+ years at Colony, becomes Chief Information Officer, managing operations, innovation, and technology. Laurie Senn, with 20+ years of banking experience, has been elevated to Chief Administrative Officer, overseeing payments, HR, marketing, and process improvement.

Additionally, President D Copeland will take on expanded responsibilities supporting operations and growth, allowing CEO Heath Fountain to focus more on strategy and long-term vision. These changes aim to strengthen Colony's position as a sustainable, high-performing independent bank.

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Colony Bankcorp (NYSE: CBAN) has scheduled its fourth quarter 2024 earnings release for Wednesday, January 22, 2025, after market close. The company will host a conference call to discuss the results on Thursday, January 23, 2025, at 9:00 AM ET.

Investors can access the call by dialing 1-800-549-8228 with Conference ID 71885. A replay will be available until January 30, 2025, via 1-888-660-6264 using passcode 71885#. Financial results and investor materials will be posted on the company's website under the Investor Relations section.

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Colony Bankcorp (Nasdaq: CBAN) has announced its participation in the 2024 Hovde Group Financial Services Conference, scheduled for November 6th through November 8th. The company will be represented by CEO Heath Fountain and CFO Derek Shelnutt.

Investors and interested parties can access the conference presentation materials through Colony's website investor relations section at www.colony.bank prior to the event.

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FAQ

What is the current stock price of Colony Bankcorp (CBAN)?

The current stock price of Colony Bankcorp (CBAN) is $15.07 as of April 3, 2025.

What is the market cap of Colony Bankcorp (CBAN)?

The market cap of Colony Bankcorp (CBAN) is approximately 270.0M.

What is Colony Bankcorp Inc?

Colony Bankcorp Inc is a single bank holding company based in Fitzgerald, Georgia, providing a wide range of banking services to both retail and commercial customers.

What main operational segments does Colony Bankcorp operate in?

The company operates across several key divisions, including the Banking Division, Retail Mortgage Division, and specialized small business lending, all designed to address diverse customer needs.

Where is Colony Bankcorp headquartered and how extensive is its branch network?

Headquartered in Fitzgerald, Georgia, Colony Bankcorp maintains a robust network of 29 branches across central and south Georgia, ensuring regional accessibility.

What types of loan products does the bank offer?

The bank offers a broad spectrum of loan products including loans for small and medium-sized enterprises, commercial real estate loans, construction and land development financing, agri-business loans, and residential mortgage products.

Who are the primary customers of Colony Bankcorp?

The bank serves both individual and business clients, with tailored services for retail customers, small and medium-sized businesses, and commercial entities, ensuring a diversified customer base.

How does Colony Bankcorp differentiate itself from other community banks?

Through a strong regional presence, a comprehensive product suite, and a focus on relationship-driven banking, Colony Bankcorp distinguishes itself by offering personalized services and a deep understanding of local market dynamics.

What deposit products are offered by Colony Bankcorp?

The company offers a variety of deposit products including demand deposit accounts, savings accounts, and time deposit products, all designed to meet the financial needs of its diverse clientele.

How does Colony Bankcorp manage its risk while serving diverse markets?

The bank implements a well-diversified approach by segmenting its operations into various divisions, each with specialized products, ensuring balanced revenue streams and a robust approach to risk management.
Colony Bankcorp

NYSE:CBAN

CBAN Rankings

CBAN Stock Data

269.99M
16.31M
6.92%
57.87%
0.41%
Banks - Regional
State Commercial Banks
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United States
FITZGERALD