secwatch.observer — SEC 8-K summary
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Issuer:     COLONY BANKCORP INC (CBAN)
CIK:        0000711669
Form:       8-K
Filed at:   2025-10-22T23:59:59+00:00
Accession:  0000711669-25-000154
Event type: earnings
Sentiment:  neutral
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/711669/000071166925000154/0000711669-25-000154-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/711669/000071166925000154/cban-20251022.htm
  HTML page:      https://secwatch.observer/filing/0000711669-25-000154

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