---
schema_version: "secwatch.filing_event.v1"
accession: "0000711669-21-000162"
form_type: "8-K"
ticker: "CBAN"
cik: "0000711669"
company_name: "COLONY BANKCORP INC"
filed_at: "2021-10-21T23:59:59+00:00"
generated_at: "2026-06-28T19:22:49.836609+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Colony Bankcorp Q3 2021 net income $5.6M ($0.45 EPS); operating EPS $0.57; declares $0.1025 dividend

## Summary
- Net income $5.6M ($0.45 diluted EPS); operating net income $7.1M ($0.57 diluted EPS) vs $3.1M ($0.33) YoY.
- Quarterly cash dividend of $0.1025 per share declared, payable Nov 17, 2021 to holders of record Nov 3.
- Provision for loan losses decreased 86% YoY to $150K; net interest margin rose 14 bps to 3.48%.
- Total assets $2.5B (+42.8% YoY); deposits $2.20B (+55.0%), driven by SouthCrest acquisition.
- Mortgage production $89.4M; SBSL closed $26.1M in SBA loans; nonperforming assets 0.52% of total assets.

## SEC filing metadata
- accession: 0000711669-21-000162
- form_type: 8-K
- ticker: CBAN
- cik: 0000711669
- company_name: COLONY BANKCORP INC
- filed_at: 2021-10-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/711669/000071166921000162/0000711669-21-000162-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/711669/000071166921000162/cban-20211021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000711669-21-000162
- JSON: https://secwatch.observer/filing/0000711669-21-000162.json
- Plain text: https://secwatch.observer/filing/0000711669-21-000162.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.