---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-046828"
form_type: "8-K"
ticker: "CBAN"
cik: "0000711669"
company_name: "COLONY BANKCORP INC"
filed_at: "2026-04-22T23:59:59+00:00"
generated_at: "2026-05-15T04:58:04.331778+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Colony Bankcorp Q1 net income $8.2M ($0.39 EPS); NIM expands to 3.48%; declares $0.12 dividend

## Summary
- Q1 2026 net income $8.2M ($0.39 diluted EPS) vs $6.6M ($0.38) in Q1 2025; operating EPS $0.45.
- Net interest margin improved to 3.48% from 2.93% a year ago, aided by TC Bancshares acquisition and higher asset yields.
- Total loans grew $32.2M to $2.41B; deposits declined $19.1M to $3.05B driven by seasonal municipal outflows.
- Noninterest income up 18.2% to $10.7M, led by insurance and wealth advisory; noninterest expense rose to $27.7M.
- Board declared $0.12 per share quarterly dividend, payable May 20, 2026 to holders of record May 6, 2026.

## SEC filing metadata
- accession: 0001104659-26-046828
- form_type: 8-K
- ticker: CBAN
- cik: 0000711669
- company_name: COLONY BANKCORP INC
- filed_at: 2026-04-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/711669/000110465926046828/0001104659-26-046828-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/711669/000110465926046828/cban-20260422x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-046828
- JSON: https://secwatch.observer/filing/0001104659-26-046828.json
- Plain text: https://secwatch.observer/filing/0001104659-26-046828.txt

## Key facts
- Earnings Releases
  COLONY BANKCORP INC reported first quarter ended March 31, 2026 results: net income $8.2 million, EPS $0.39 per diluted share.
  - Period: first quarter ended March 31, 2026
  - Net income: $8.2 million
  - EPS: $0.39 per diluted share
  - Result: reported results
  source text: Net income was $8.2 million, or $0.39 per diluted share, for the first quarter of 2026
  evidence_url: https://www.sec.gov/Archives/edgar/data/711669/000110465926046828/0001104659-26-046828-index.htm

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