Colony Bank (FDIC #22257): Bank Stress & Real-Estate Credit Exposure
Colony Bank (FDIC Cert #22257): bank stress 65/100, elevated, STABLE over 7 days; parent COLONY BANKCORP INC (CBAN).
Colony Bank (#22257) lends in 29 counties across 2 states; Colony Bank (#22257) reaches 301 ZIP codes: Georgia 27 counties, 249 ZIPs; Florida 2 counties, 52 ZIPs.
Colony Bank (#22257) largest markets: Fulton County, GA (48 branches, 48 ZIPs) (#22257), Duval County, FL (38 branches, 38 ZIPs) (#22257), Chatham County, GA (30 branches, 15 ZIPs) (#22257), Colquitt County, GA (14 branches, 14 ZIPs) (#22257), Walker County, GA (14 branches, 14 ZIPs) (#22257), Leon County, FL (14 branches, 14 ZIPs) (#22257).
Colony Bank (#22257) reports $3.61 billion in total assets; Colony Bank (#22257) equity $404.1 million (11.2% of Colony Bank (#22257) assets); Colony Bank (#22257) domestic deposits $3.01 billion; Colony Bank (#22257) net income $19.9 million; Colony Bank (#22257) return on assets 1.08%; Colony Bank (#22257) return on equity 9.90%; Colony Bank (#22257) net interest income $60.8 million; Colony Bank (#22257) call report June 30, 2026.
Colony Bank (#22257) noncurrent real-estate loans 0.09% of its book; Colony Bank (#22257) residential 0.17%; Colony Bank (#22257) net charge-offs on real estate 0.61%; Colony Bank (#22257) residential charge-offs 0.65%.
Colony Bank (#22257) net interest margin 3.57% against an eight-quarter Colony Bank (#22257) average of 3.15% (Colony Bank (#22257) compression -0.42 points); Colony Bank (#22257) real-estate loans 9.2% of equity; Colony Bank (#22257) non-residential real estate 64.7% of equity; Colony Bank (#22257) rate-exposure score 40/100, Colony Bank (#22257) fixed-rate trap 40/100; Colony Bank (#22257) risk type credit driven; Colony Bank (#22257) rate regime rates elevated; Colony Bank (#22257) shares 11.2% below the 52-week high, Colony Bank (#22257) equity trend weakening, Colony Bank (#22257) snapshot October 19, 2026.
Colony Bank (#22257) stress score moved from 66.7 on June 22, 2026 to 64.7 on October 20, 2026; Colony Bank (#22257) ranged 64.7 to 66.7 over 117 snapshots.
Colony Bank (#22257) alerts: 29 counties; top Colony Bank (#22257) alert scores: Quitman County, GA 55 (elevated); Evans County, GA 38 (moderate); Macon County, GA 37 (moderate); Douglas County, GA 30 (low); Albany County, GA 20 (low).