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BDI
CB

Colony Bank

Fitzgerald, GeorgiaFDIC Cert #22257

STATEEstablished 197633 branches

Holding company: COLONY BANKCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
0.94%
+3.1%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNETINC + ROA
ROE
8.68%
−6.1%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNETINC + ROE
Pretax ROA
1.21%
+5.9%y/y
Peer standing19th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICPTAXNETINC + ASSET
NIM
3.50%
+16.0%y/y
Peer standing37th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNIM + NIMY
Earning yield
5.22%
+6.6%y/y
Peer standing32nd percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICINTINCY
IB deposit cost
2.32%
−7.7%y/y
Peer standing71st percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
67.03%
+2.9%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
3.00%
+15.2%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNONIX + ASSET
Fee share
26.41%
−9.3%y/y
Percentile by value84th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNONII + NIM
Assets YoY
+17.24%
+234.5%y/y
Percentile by value87th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICASSET
Deposits YoY
+16.05%
+314.8%y/y
Percentile by value87th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICDEP
Loans YoY
+25.03%
+757.3%y/y
Percentile by value92nd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
18th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.74%Median 1.32%90th 1.92%Observations 236
ROE
FDICNETINC + ROE
18th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 6.84%Median 12.52%90th 17.99%Observations 236
NIM
FDICNIM + NIMY
37th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.82%Median 3.67%90th 4.51%Observations 236
Efficiency
FDICNONIX + NIM + NONII + EEFFR
18th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 42.39%Median 57.00%90th 72.99%Observations 236
Deposits YoY
FDICDEP
86th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −1.73%Median +5.18%90th +19.87%Observations 236
Loans YoY
FDICLNLSNET
91st percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −2.10%Median +6.78%90th +19.98%Observations 236
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
58th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.15%Median 0.62%90th 1.72%Observations 236
Leverage
FDICRBC1AAJ
36th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 9.00%Median 10.35%90th 13.08%Observations 236

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
71st percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.86%Median 2.61%90th 3.59%Observations 236
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
68th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 104%Median 235%90th 346%Observations 214

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.