Colony Bank: Bank Stress & Real-Estate Credit Exposure

Colony Bank (FDIC Cert #22257) carries a DLRadar bank-stress score of 65/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

County by county, that footprint includes Fulton County, GA, Chatham County, GA, Colquitt County, GA, Walker County, GA, among others DLRadar tracks parcel by parcel. Read against its 25-county reach, a elevated score sets the credit tone for every market on its map. The value is in the linkage: Colony Bank's elevated reading is mapped onto 239 ZIP codes and 25 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. No bank is too small to score the same way: Colony Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 25-county, 239-ZIP profile means exactly what it would for any institution nationwide. Because Colony Bank is publicly traded (CBAN) under Colony Bankcorp Inc, its financials are open to scrutiny and its trend can be independently checked. Colony Bank runs a mid-sized, single-state real-estate lending footprint — 25 U.S. counties across 1 state, spanning 239 ZIP codes. It concentrates most in Georgia (25 counties). Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Colony Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Colony Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.