---
schema_version: "secwatch.filing_event.v1"
accession: "0000711669-22-000133"
form_type: "8-K"
ticker: "CBAN"
cik: "0000711669"
company_name: "COLONY BANKCORP INC"
filed_at: "2022-07-21T23:59:59+00:00"
generated_at: "2026-06-24T10:29:00.508197+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Colony Bankcorp Q2 net income falls to $3.4M ($0.19 EPS); loan growth strong but provision up sharply

## Summary
- Net income $3.4M, or $0.19 diluted EPS, down from $5.3M ($0.34) in Q1 2022 and $4.0M ($0.42) in Q2 2021.
- Provision for loan losses of $1.1M in Q2 2022, up from $50K in Q1 and $0 in Q2 2021, driven by loan growth.
- Total loans (ex-PPP) grew $99M to $1.5B, up 7.3% QoQ; mortgage production $113.7M, SBSL closed $21M.
- Board declared $0.1075 quarterly dividend, payable Aug 20 to holders of record Aug 6.
- Non-recurring charges of $1.35M related to efficiency project; accelerated amortization of FHLB advances $751K.

## SEC filing metadata
- accession: 0000711669-22-000133
- form_type: 8-K
- ticker: CBAN
- cik: 0000711669
- company_name: COLONY BANKCORP INC
- filed_at: 2022-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/711669/000071166922000133/0000711669-22-000133-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/711669/000071166922000133/cban-20220721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000711669-22-000133
- JSON: https://secwatch.observer/filing/0000711669-22-000133.json
- Plain text: https://secwatch.observer/filing/0000711669-22-000133.txt

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