Monitor next quarter for sustained margin expansion and deposit trends, as the sequential decline in earnings and deposit outflow may pressure near-term performance despite positive margin trends.
Price Chart
Executive Summary
Colony Bankcorp reports first quarter 2026 earnings with $8.2M net income ($0.39 diluted EPS), a 7% sequential decline from Q4 2025, driven by higher provision for credit losses and acquisition-related expenses. The company highlights continued net interest margin expansion to 3.48% and successful integration of TC Federal, while noninterest income grew 18.2% year-over-year.
Key Financial Metrics
Key Facts
- Net income was $8.2 million ($0.39 diluted EPS) for Q1 2026, down from $7.8 million ($0.42 EPS) in Q4 2025
- Operating net income was $9.5 million ($0.45 operating EPS), down from $8.9 million ($0.48) in Q4 2025
- Net interest margin expanded to 3.48%, up from 3.32% in Q4 2025 and 2.93% in Q1 2025
- Total loans increased $32.2 million to $2.41 billion, while deposits decreased $19.1 million to $3.05 billion
- Noninterest income grew 18.2% year-over-year to $10.7 million, driven by mortgage fees, insurance commissions, and interchange income
- Noninterest expense increased to $27.7 million from $25.7 million, primarily due to acquisition-related costs from TC Federal integration
Financial Impact
$8.2 million net income, $29.4 million net interest income, $10.7 million noninterest income
Risk Factors
- Sequential decline in earnings per share from $0.42 to $0.39
- Decrease in total deposits by $19.1 million
- Increased provision for credit losses to $1.75 million from $1.65 million
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001104659-26-046828 |
| Document: cban-20260422xex99d2.htm | 0001104659-26-046828 |
| Document: cban-20260422x8k.htm | 0001104659-26-046828 |
| Document: 0001104659-26-046828-index-headers.html | 0001104659-26-046828 |
| Document: 0001104659-26-046828-index.html | 0001104659-26-046828 |
| Document: 0001104659-26-046828.txt | 0001104659-26-046828 |
| 8-K Data (Synthetic) | 0001104659-26-046828 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 17, 2026 5w ago | 8-K | $20.92 | awaiting T+60 | — | $20.46 (−2.20%) |
Aug 28, 2026 8w ago | EFFECT | $21.34 | awaiting T+60 | — | $20.46 (−4.12%) |
Aug 27, 2026 8w ago | 424B4 | $21.34 | awaiting T+60 | — | $20.46 (−4.12%) |
Aug 25, 2026 8w ago | S-4/A | $21.17 | awaiting T+60 | — | $20.46 (−3.35%) |
Aug 14, 2026 10w ago | S-4 | $22.09 | awaiting T+60 | — | $20.46 (−7.38%) |
Jun 24, 2026 17w ago | 425 | $19.98 $20.71 | ▲ +3.65% | ▼ −0.08% | $20.46 (+2.40%) |
Jun 24, 2026 17w ago | 8-K | $19.98 $20.71 | ▲ +3.65% | ▼ −0.08% | $20.46 (+2.40%) |
Jun 12, 2026 19w ago | Institutional Cluster | $21.12 $21.31 | ▲ +0.90% | ▼ −2.36% | $20.46 (−3.13%) |
Apr 22, 2026 26w ago | 8-K | $19.86 $20.89 | ▲ +5.20% | ▲ +0.18% | $20.46 (+3.03%) |
US Market Status
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