Colony Bankcorp Q3 net income $5.8M ($0.33 EPS); NIM expands to 3.17%; NPA up to $15.2M

COLONY BANKCORP INC

2025-Q3 EPS reported $1.17

Net income $5.8M ($0.33 diluted EPS) vs $8.0M ($0.46) Q2; operating EPS $0.47.
Net interest margin 3.17% (up from 2.64% YoY); loans grew 2.18% QoQ to $2.04B.
Quarterly dividend $0.115/share, payable Nov 19 to holders of record Nov 5.
Nonperforming assets $15.2M (up $3.8M QoQ); net charge-offs 0.36% of avg loans.
Provision for credit losses $900k (up from $450k Q2); acquisition with TC Federal on track for Q4 close.

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