---
schema_version: "secwatch.filing_event.v1"
accession: "0000711669-25-000154"
form_type: "8-K"
ticker: "CBAN"
cik: "0000711669"
company_name: "COLONY BANKCORP INC"
filed_at: "2025-10-22T23:59:59+00:00"
generated_at: "2026-05-17T02:52:53.140067+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000711669-25-000154
- form_type: 8-K
- ticker: CBAN
- cik: 0000711669
- company_name: COLONY BANKCORP INC
- filed_at: 2025-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/711669/000071166925000154/0000711669-25-000154-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/711669/000071166925000154/cban-20251022.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000711669-25-000154
- JSON: https://secwatch.observer/filing/0000711669-25-000154.json
- Plain text: https://secwatch.observer/filing/0000711669-25-000154.txt

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