The earnings call highlighted several positive developments, including strong loan growth, improved net interest margin, and a strategic merger with TC Bancshares. However, there were some challenges, such as seasonal deposit runoff and increased noninterest expenses. Overall, the positive aspects slightly outweigh the negatives, indicating a generally optimistic outlook.

Company Guidance

During the Colony Bank second quarter 2025 conference call, the company reported improved financial performance with a significant 15% annualized loan growth rate, although slightly below the first quarter. The return on assets (ROA) reached 1.02%, surpassing the 1% target a quarter earlier than anticipated, with a goal to achieve 1.2% ROA in the future. The net interest margin increased to 3.12%, with expectations for continued margin growth, albeit at a slower pace. Noninterest income improved, particularly in mortgage and Marine and RV lending, while noninterest expenses rose by $1.8 million due to variable-based compensation and data processing costs. Credit quality remained stable, with a slight increase in net charge-offs to $1 million. The company announced a definitive merger agreement with TC Bancshares, aiming for EPS accretion of 8.4% in 2026 and 11.9% in 2027, with the merger expected to close in the fourth quarter of 2025.

Strong Loan Growth

Achieved a strong loan growth of 15% annualized rate in Q2, continuing positive momentum. Future growth is anticipated to moderate to 10%-12% but the pipeline remains healthy.

Net Interest Margin Expansion

Net interest margin increased to 3.12%, benefiting from pricing discipline and stable core deposits. Further margin increase expected in the second half of the year.

Improvement in Core Earnings

Core earnings improved significantly, supported by loan growth and efficiency. Net income increased by $1.4 million compared to Q1.

Merger with TC Bancshares

Announced a definitive merger agreement with TC Bancshares, expected to enhance franchise and position for sustained long-term growth. Anticipated to be immediately accretive to earnings per share.

Noninterest Income Improvement

Noninterest income increased over $1 million with gains in mortgage, SBSL, and service charge-related revenue.

Increased Deposits Year-Over-Year

Core customer deposits are up year-over-year by more than $75 million.

50th Anniversary Milestone

Celebrated 50th anniversary by ringing the opening bell at the New York Stock Exchange.

Colony Bankcorp (CBAN) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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CBAN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	0.47 / -	0.35	―	―	―
Jul 23, 2025	2025 (Q2)	0.41 / 0.46	0.34	35.29% (+0.12)
Apr 23, 2025	2025 (Q1)	0.38 / 0.38	0.33	15.15% (+0.05)
Jan 22, 2025	2024 (Q4)	0.35 / 0.44	0.31	41.94% (+0.13)
Oct 23, 2024	2024 (Q3)	0.34 / 0.35	0.34	2.94% (<+0.01)
Jul 24, 2024	2024 (Q2)	0.30 / 0.34	0.33	3.03% (+0.01)
Apr 24, 2024	2024 (Q1)	0.31 / 0.33	0.31	6.45% (+0.02)
Jan 24, 2024	2023 (Q4)	0.32 / 0.31	0.31	0.00% (0.00)
Oct 25, 2023	2023 (Q3)	0.33 / 0.34	0.3	13.33% (+0.04)
Jul 26, 2023	2023 (Q2)	0.29 / 0.33	0.3	10.00% (+0.03)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CBAN Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$17.67	$16.62	-5.94%
Apr 23, 2025	$15.24	$15.30	+0.39%
Jan 22, 2025	$15.37	$16.60	+8.00%
Oct 23, 2024	$14.96	$14.69	-1.80%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Colony Bankcorp (CBAN) report earnings?

Colony Bankcorp (CBAN) is schdueled to report earning on Oct 16, 2025, Before Open (Confirmed).

What is Colony Bankcorp (CBAN) earnings time?

Colony Bankcorp (CBAN) earnings time is at Oct 16, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CBAN EPS forecast?

CBAN EPS forecast for the fiscal quarter 2025 (Q3) is 0.47.

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