The earnings call highlighted strong financial performance with improved core earnings, loan growth, and strategic merger plans. However, challenges were noted in terms of seasonal deposit runoff and increased noninterest expenses.

Company Guidance -

Q3 2025

In the second quarter of 2025, Colony Bank reported a robust financial performance, featuring an annualized loan growth rate of 15%, which is expected to moderate to 10-12% for the remainder of the year. Their return on assets improved to 1.02%, surpassing their short-term target of 1%, while the net interest margin increased to 3.12% with expectations for further expansion. Noninterest income saw a boost, driven by gains across several business lines, notably mortgage and RV lending. Despite a slight increase in net charge-offs, credit quality remained stable with improvements in nonperforming assets. The bank's core customer deposits rose by more than $75 million year-over-year. Additionally, the announcement of a merger with TC Bancshares is anticipated to enhance Colony Bank's footprint and earnings, with projected EPS accretion by double digits in the second year post-merger. Total deposits decreased by $66 million due to seasonal factors, and noninterest expenses rose due to variable-based compensation and data processing activities. The bank maintained a strong capital position and continued its stock repurchase program, buying back 62,000 shares at an average price of $15.46.

Improved Financial Performance

Core earnings improved significantly due to loan growth and efficiency. Net interest margin expanded to 3.12% and return on assets improved to 1.02%, surpassing the short-term target of 1%.

Strong Loan Growth

Achieved a 15% annualized loan growth rate in Q2, with expectations to maintain a 10% to 12% growth rate in the second half of the year.

Merger with TC Bancshares

Announced a definitive merger agreement with TC Bancshares, enhancing franchise presence in South Georgia and North Florida. The merger is expected to be accretive to EPS and enhance earnings power.

Increased Noninterest Income

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

Stable Credit Quality

Credit quality remained stable with improvements in nonperforming assets, criticized, and classified loans.

Expansion in Chattanooga

Addition of two bankers in the Chattanooga MSA, expanding presence in the market.

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

Daily Earnings Calendar >

CBAN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	0.44 / -	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 0.44.

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