secwatch.observer — SEC 8-K summary
======================================

Issuer:     COLONY BANKCORP INC (CBAN)
CIK:        0000711669
Form:       8-K
Filed at:   2026-04-22T23:59:59+00:00
Accession:  0001104659-26-046828
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/711669/000110465926046828/0001104659-26-046828-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/711669/000110465926046828/cban-20260422x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-046828

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer