Colony Bankcorp Q4 net income $7.8M; dividend raised to $0.12; TC Federal merger closed

COLONY BANKCORP INC

2025-FY EPS reported $1.59

Net income $7.8M ($0.42 diluted EPS) in Q4 2025 vs $5.8M ($0.33) in Q3 and $7.4M ($0.42) in Q4 2024.
Operating net income $8.9M ($0.48 adjusted EPS); net interest margin expanded to 3.32% from 2.84% a year ago.
Board declared quarterly cash dividend of $0.12 per share, payable Feb 25, 2026 to holders of record Feb 11, 2026.
Merger with TC Bancshares closed Dec 1, 2025; loans rose to $2.38B (+17% QoQ), deposits to $3.07B.
Provision for credit losses was $1.65M in Q4 vs $900K in Q3; nonperforming assets increased to $24.7M from $15.2M.

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