secwatch.observer — SEC 8-K summary
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Issuer:     COLONY BANKCORP INC (CBAN)
CIK:        0000711669
Form:       8-K
Filed at:   2026-01-28T23:59:59+00:00
Accession:  0000711669-26-000004
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 5.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/0000711669-26-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/711669/000071166926000004/cban-20260128.htm
  HTML page:      https://secwatch.observer/filing/0000711669-26-000004

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