---
schema_version: "secwatch.filing_event.v1"
accession: "0000711669-26-000004"
form_type: "8-K"
ticker: "CBAN"
cik: "0000711669"
company_name: "COLONY BANKCORP INC"
filed_at: "2026-01-28T23:59:59+00:00"
generated_at: "2026-05-16T07:12:11.336324+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000711669-26-000004
- form_type: 8-K
- ticker: CBAN
- cik: 0000711669
- company_name: COLONY BANKCORP INC
- filed_at: 2026-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 5.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/0000711669-26-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/cban-20260128.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000711669-26-000004
- JSON: https://secwatch.observer/filing/0000711669-26-000004.json
- Plain text: https://secwatch.observer/filing/0000711669-26-000004.txt

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