---
schema_version: "secwatch.filing_event.v1"
accession: "0000711669-25-000135"
form_type: "8-K"
ticker: "CBAN"
cik: "0000711669"
company_name: "COLONY BANKCORP INC"
filed_at: "2025-07-23T23:59:59+00:00"
generated_at: "2026-05-18T03:50:40.465121+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Colony Bankcorp Q2 net income $8.0M ($0.46 EPS), NIM expands to 3.12%, dividend $0.115

## Summary
- Net income $8.0M ($0.46 diluted EPS) vs $5.5M ($0.31) YoY; adjusted EPS $0.46.
- Net interest margin 3.12% vs 2.68% YoY; loans grew $72.3M QoQ to $1.99B.
- Provision for credit losses $450K, down from $1.5M in Q1; NPLs $11.4M vs $13.0M prior.
- Declared $0.1150/share quarterly dividend, payable Aug 20; repurchased 62K shares at $15.46.
- CEO cites strong core earnings and announces strategic acquisition of TC Bancshares, Inc. (separate release).

## SEC filing metadata
- accession: 0000711669-25-000135
- form_type: 8-K
- ticker: CBAN
- cik: 0000711669
- company_name: COLONY BANKCORP INC
- filed_at: 2025-07-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/711669/000071166925000135/0000711669-25-000135-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/711669/000071166925000135/cban-20250723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000711669-25-000135
- JSON: https://secwatch.observer/filing/0000711669-25-000135.json
- Plain text: https://secwatch.observer/filing/0000711669-25-000135.txt

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