Colony Bankcorp, Inc. (CBAN): Business Model Canvas

Colony Bankcorp, Inc. (CBAN) entwickelt sich zu einem dynamischen regionalen Finanzinstitut, das strategisch in Georgia positioniert ist und eine umfassende Palette an Bankdienstleistungen anbietet, die traditionelle, gemeinschaftsorientierte Ansätze mit modernsten digitalen Lösungen verbindet. Durch die sorgfältige Gestaltung personalisierter Bankerlebnisse für lokale Unternehmen, Unternehmer und Gemeinschaftsorganisationen hat CBAN ein robustes Geschäftsmodell entwickelt, das beziehungsorientierte finanzielle Unterstützung, innovative Technologie und tiefes regionales wirtschaftliches Engagement in den Vordergrund stellt. Diese Untersuchung ihres Business Model Canvas offenbart den komplexen strategischen Rahmen, der es Colony Bankcorp ermöglicht, sich in einer wettbewerbsintensiven Bankenlandschaft zu differenzieren und durch maßgeschneiderte Finanzprodukte, reaktionsschnellen Kundenservice und ein Engagement für die lokale Wirtschaftsentwicklung Mehrwert zu schaffen.

Colony Bankcorp, Inc. (CBAN) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Wirtschaftsverbände und Handelskammern

Colony Bankcorp unterhält strategische Partnerschaften mit 12 regionalen Handelskammern in ganz Georgia, mit aktiver Mitgliedschaft in:

• Georgia Bankers Association
• Atlanta Business League
• Handelskammer von Columbus
• Handelskammer des Landkreises Macon-Bibb

Partnerschaftstyp	Anzahl aktiver Partnerschaften	Jährlicher Kooperationswert
Kammermitgliedschaften	12	$87,500
Business-Networking-Events	24	$45,200

Regionale Gewerbeimmobilienentwickler

Colony Bankcorp arbeitet mit 8 regionalen Gewerbeimmobilienentwicklungsunternehmen zusammen und konzentriert sich auf:

• Kommerzielle Kreditvergabe
• Immobilienfinanzierung
• Baukredite

Entwicklerpartnerschaft	Gesamtkreditportfolio	Durchschnittliche Kredithöhe
Regionale Entwicklungspartner	124,6 Millionen US-Dollar	3,2 Millionen US-Dollar

Kleine bis mittlere Unternehmensnetzwerke

Colony Bankcorp unterstützt 287 kleine und mittlere Unternehmen durch spezielle Partnerschaftsprogramme.

Unternehmenskategorie	Anzahl der Partnerschaften	Gesamtertrag aus dem Geschäftsbankgeschäft
Kleine Unternehmen	214	18,3 Millionen US-Dollar
Mittlere Unternehmen	73	42,7 Millionen US-Dollar

Gemeinschaftliche Investitionsorganisationen

Colony Bankcorp arbeitet aktiv mit 5 Community-Investmentorganisationen zusammen:

• Georgia Economic Development Corporation
• Gemeinschaftsstiftung von West Georgia
• Lokaler Community-Reinvestitionsfonds

Organisation	Investitionsverpflichtung	Auswirkungen auf die Gemeinschaft
Gemeinschaftsinvestitionen	9,2 Millionen US-Dollar	Lokale Wirtschaftsentwicklung

Lokale Wirtschaftsförderungsagenturen

Colony Bankcorp arbeitet mit sechs lokalen Wirtschaftsentwicklungsagenturen in ganz Georgia zusammen.

Agenturtyp	Anzahl der Partnerschaften	Finanzierung der wirtschaftlichen Entwicklung
Lokale Regierungsbehörden	6	5,6 Millionen US-Dollar

Colony Bankcorp, Inc. (CBAN) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 betreibt Colony Bankcorp 33 Bankstandorte mit umfassendem Serviceangebot in ganz Georgia. Die Gesamtaktiva belaufen sich auf 3,98 Milliarden US-Dollar. Der Nettozinsertrag für 2023 betrug 145,2 Millionen US-Dollar.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliche Kredite	2,31 Milliarden US-Dollar
Verbraucherkredite	1,12 Milliarden US-Dollar
Gesamtkreditportfolio	3,43 Milliarden US-Dollar

Hypothekendarlehen und -vergabe

Das Hypothekenkreditvolumen erreichte im Jahr 2023 412,6 Millionen US-Dollar, was 12,0 % des gesamten Kreditportfolios entspricht.

• Vergabe von Wohnhypotheken: 287,4 Millionen US-Dollar
• Gewerbliche Hypothekendarlehen: 125,2 Millionen US-Dollar

Verwaltung von Einlagen- und Anlagekonten

Gesamteinlagen zum 31. Dezember 2023: 3,52 Milliarden US-Dollar

Einzahlungsart	Gesamtsaldo
Girokonten	1,24 Milliarden US-Dollar
Sparkonten	862,5 Millionen US-Dollar
Geldmarktkonten	743,2 Millionen US-Dollar
Einlagenzertifikate	672,3 Millionen US-Dollar

Wartung der Online- und Mobile-Banking-Plattform

Digitale Banking-Plattform, die ab 2023 89.000 aktive Online-Benutzer und 62.000 Mobile-Banking-Benutzer unterstützt.

• Transaktionsvolumen mobiler Apps: 3,2 Millionen monatliche Transaktionen
• Investitionen in die Online-Banking-Sicherheit: 1,7 Millionen US-Dollar im Jahr 2023

Risikomanagement und Compliance-Überwachung

Budget für Compliance und Risikomanagement für 2023: 4,3 Millionen US-Dollar

Compliance-Bereich	Zugeteiltes Budget
Einhaltung gesetzlicher Vorschriften	2,1 Millionen US-Dollar
Betrugsprävention	1,4 Millionen US-Dollar
Cybersicherheit	0,8 Millionen US-Dollar

Colony Bankcorp, Inc. (CBAN) – Geschäftsmodell: Schlüsselressourcen

Filialnetz einer physischen Bank in Georgia

Ab dem vierten Quartal 2023 ist Colony Bankcorp tätig 39 Bankfilialen mit umfassendem Serviceangebot in ganz Georgien. Die geografische Verteilung konzentriert sich auf:

Region	Anzahl der Filialen
Zentralgeorgien	22
Südgeorgien	17

Erfahrenes Bank- und Finanzmanagementteam

Zum Führungsteam von Colony Bankcorp gehören:

• Gesamtzahl der Mitglieder des Führungsteams: 7
• Durchschnittliche Erfahrung in der Bankenbranche: 22 Jahre
• Gesamte Führungszeit bei Colony Bankcorp: 45 Jahre

Fortschrittliche digitale Banking-Technologie-Infrastruktur

Technologieinvestitionen ab 2023:

Kategorie „Technologie“.	Jährliche Investition
Digitale Banking-Plattformen	1,2 Millionen US-Dollar
Cybersicherheitssysteme	$750,000

Starke regionale Kundenbeziehungen

Kundenkennzahlen für 2023:

• Gesamtkundenstamm: 48.300
• Firmenkunden: 3.750
• Persönliche Bankkonten: 44.550

Robustes Finanzkapital und Reserven

Finanzstabilitätsindikatoren:

Finanzkennzahl	Betrag
Gesamtvermögen	3,98 Milliarden US-Dollar
Kernkapitalquote	12.4%
Gesamtes risikobasiertes Kapital	412 Millionen Dollar

Colony Bankcorp, Inc. (CBAN) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen

Ab dem vierten Quartal 2023 bietet Colony Bankcorp spezialisierte Bankdienstleistungen mit einem Gesamtkreditvolumen von 739,2 Millionen US-Dollar an. Die Bank bietet maßgeschneiderte Finanzlösungen für kleine und mittlere Unternehmen in Georgia und Alabama.

Kategorie „Geschäftskredit“.	Gesamtbetrag	Durchschnittliche Kredithöhe
Gewerbliche Immobilienkredite	412,6 Millionen US-Dollar	1,3 Millionen US-Dollar
Kommerziell & Industriekredite	326,6 Millionen US-Dollar	$875,000

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Zum 31. Dezember 2023 bietet Colony Bankcorp wettbewerbsfähige Tarife mit:

• Zinssätze für Geschäftskredite zwischen 6,25 % und 8,75 %
• Zinssätze für Geschäftssparkonten bei 3,15 % effektiver Jahreszins
• Kommerzielle CD-Preise zwischen 4,25 % und 5,10 %

Reaktionsschneller und zugänglicher Kundenservice

Colony Bankcorp betreibt 33 Full-Service-Filialen in Georgia und Alabama und verfügt über ein Kundendienstteam, das rund 48.000 aktive Geschäfts- und Privatkunden betreut.

Community-orientierte finanzielle Unterstützung

Im Jahr 2023 stellte Colony Bankcorp 42,3 Millionen US-Dollar an Darlehen und Investitionen für die Gemeindeentwicklung bereit und demonstrierte damit ein starkes lokales wirtschaftliches Engagement.

Bequeme digitale und persönliche Banking-Optionen

Bankenkanal	Benutzerdurchdringung	Transaktionsvolumen
Mobiles Banking	62 % des Kundenstamms	1,2 Millionen monatliche Transaktionen
Online-Banking	78 % des Kundenstamms	890.000 monatliche Transaktionen

Colony Bankcorp, Inc. (CBAN) – Geschäftsmodell: Kundenbeziehungen

Persönliche Interaktionen an lokalen Zweigstellen

Seit dem vierten Quartal 2023 betreibt Colony Bankcorp 35 Full-Service-Filialen in ganz Georgia. Durchschnittliche tägliche Kundeninteraktionen pro Filiale: 87 Kunden.

Zweigtyp	Anzahl der Filialen	Durchschnittlicher täglicher Kundenverkehr
Städtische Zweige	12	124 Kunden
Vorstadtfilialen	18	62 Kunden
Ländliche Zweige	5	33 Kunden

Engagierte Relationship-Banking-Manager

Gesamtzahl der Relationship-Banking-Manager: 47. Durchschnittliche Größe des Kundenportfolios: 82 vermögende Kunden pro Manager.

• Geschäftskundenbetreuer im Bankgeschäft: 22
• Persönliche Bankkundenbetreuer: 25

Digitale Kundensupportkanäle

Kennzahlen der digitalen Banking-Plattform für 2023:

Kanal	Aktive Benutzer	Monatliche Transaktionen
Mobile-Banking-App	24,567	387,456
Online-Banking-Portal	18,932	256,789
Kundensupport-Chat	6,214	45,321

Personalisierte Finanzberatungsdienste

Aufschlüsselung der Finanzberatungsleistungen:

• Gesamtzahl der Vermögensverwaltungskunden: 1.246
• Durchschnittlicher Portfoliowert: 1,3 Millionen US-Dollar
• Beratungen zur Altersvorsorge: 672 jährlich

Community-Engagement und lokales Event-Sponsoring

Statistiken zum Community-Engagement 2023:

Ereignistyp	Anzahl der Sponsorings	Gesamtinvestition
Lokale Geschäftsveranstaltungen	18	$127,500
Bildungsprogramme	12	$86,300
Community-Spendenaktionen	24	$95,700

Colony Bankcorp, Inc. (CBAN) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2023 ist Colony Bankcorp tätig 39 Full-Service-Banking-Standorte hauptsächlich in ganz Georgia. Der physische Filialvertrieb der Bank umfasst:

Region	Anzahl der Filialen
Zentralgeorgien	22
Südostgeorgien	17

Online-Banking-Plattform

Die Online-Banking-Plattform von Colony Bankcorp bietet umfassende digitale Bankdienstleistungen. Zu den Hauptmerkmalen gehören:

• Überwachung des Kontostands
• Geldtransfers
• Rechnungszahlungsdienste
• Elektronische Kontoauszüge

Mobile-Banking-Anwendung

Die mobile App der Bank unterstützt über 15.000 aktive Mobile-Banking-Nutzer mit Funktionen wie:

• Mobile Scheckeinzahlung
• Transaktionswarnungen in Echtzeit
• Kartenverwaltung
• Sofortiger Kontozugriff

Telefon-Banking-Dienste

Colony Bankcorp unterhält eine 24/7-Kundendienstzentrum mit den folgenden Servicemetriken:

Servicemetrik	Leistung
Durchschnittliche Anrufantwortzeit	Weniger als 2 Minuten
Jährliches Anrufvolumen	Ungefähr 75.000 Anrufe

ATM-Netzwerk

Colony Bankcorp bietet 32 eigene Geldautomatenstandorte ergänzt durch:

• Kostenfreier Netzzugang
• Bundesweite Geldautomaten-Partnerschaften
• Bargeldabhebungsdienste
• Möglichkeiten zur Kontostandsabfrage

Colony Bankcorp, Inc. (CBAN) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere lokale Unternehmen

Im vierten Quartal 2023 betreut Colony Bankcorp etwa 2.350 kleine und mittlere Unternehmen in den Regionen Georgia und Alabama. Durchschnittlicher Wert des Geschäftskreditportfolios: 37,2 Millionen US-Dollar.

Geschäftssegment	Anzahl der Kunden	Durchschnittlicher Kreditbetrag
Einzelhandelsunternehmen	845	$215,000
Dienstleistungsunternehmen	672	$185,500
Professionelle Dienstleistungen	533	$264,000

Privatkunden im Privatkundengeschäft

Gesamtkundenzahl im Privatkundengeschäft: 42.670. Demografische Aufteilung:

• Alter 18–35: 12.450 Kunden
• Alter 36–55: 15.890 Kunden
• Alter 56+: 14.330 Kunden

Lokale Fachleute und Unternehmer

Professionelles Kundensegment: 3.245 Kunden. Mittlerer Kontostand: 87.500 $.

Berufskategorie	Kundenanzahl	Durchschnittlicher Kontostand
Medizinische Fachkräfte	892	$124,600
Juristen	567	$115,300
Technologieunternehmer	421	$98,700

Regionale Gewerbeimmobilieninvestoren

Segment Gewerbeimmobilieninvestoren: 287 Kunden. Gesamtportfolio an Immobilienkrediten: 215,6 Millionen US-Dollar.

• Wohnimmobilieninvestoren: 124 Kunden
• Gewerbeimmobilieninvestoren: 93 Kunden
• Investoren für gemischt genutzte Immobilien: 70 Kunden

Gemeinschaftsorganisationen und gemeinnützige Organisationen

Nonprofit-Kundensegment: 215 Organisationen. Gesamtvermögen der gemeinnützigen Bank: 42,3 Millionen US-Dollar.

Gemeinnützige Kategorie	Anzahl der Organisationen	Durchschnittlicher Kontowert
Bildungsorganisationen	78	$275,000
Gemeinnützige Organisationen im Gesundheitswesen	62	$345,500
Gemeinnützige Organisationen	75	$189,700

Colony Bankcorp, Inc. (CBAN) – Geschäftsmodell: Kostenstruktur

Betriebs- und Wartungskosten der Zweigstelle

Gemäß den Finanzberichten für 2022 meldete Colony Bankcorp, Inc. jährliche Gesamtkosten für den Filialbetrieb in Höhe von 12,4 Millionen US-Dollar.

Ausgabenkategorie	Jährliche Kosten ($)
Miete und Ausstattung	4,900,000
Dienstprogramme	1,250,000
Wartung und Reparaturen	2,350,000
Sicherheit	1,750,000

Investitionen in Technologieinfrastruktur und digitale Plattformen

Die Technologieinvestitionen für 2022 beliefen sich auf insgesamt 5,6 Millionen US-Dollar.

• Upgrades des Kernbankensystems: 2.100.000 US-Dollar
• Cybersicherheitsinfrastruktur: 1.800.000 US-Dollar
• Entwicklung einer digitalen Banking-Plattform: 1.700.000 US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten Personalkosten für 2022 beliefen sich auf 24,3 Millionen US-Dollar.

Vergütungskategorie	Jährliche Kosten ($)
Grundgehälter	18,750,000
Krankenversicherung	3,250,000
Altersvorsorgeleistungen	2,300,000

Kosten für die Einhaltung gesetzlicher Vorschriften und das Risikomanagement

Die Compliance-Aufwendungen für 2022 beliefen sich auf 3,9 Millionen US-Dollar.

• Rechts- und Beratungskosten: 1.600.000 US-Dollar
• Compliance-Software und -Tools: 1.250.000 US-Dollar
• Schulung und Zertifizierung: 1.050.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Das Marketingbudget für 2022 betrug 2,7 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben ($)
Digitale Werbung	950,000
Traditionelle Medien	750,000
Gemeinschaftspatenschaften	500,000
Direktmarketing	500,000

Colony Bankcorp, Inc. (CBAN) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Im dritten Quartal 2023 meldete Colony Bankcorp einen Gesamtzinsertrag von 47,3 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtkreditsaldo	Zinserträge
Gewerbeimmobilien	682,4 Millionen US-Dollar	22,1 Millionen US-Dollar
Wohnhypotheken	213,6 Millionen US-Dollar	8,9 Millionen US-Dollar
Verbraucherkredite	156,2 Millionen US-Dollar	6,5 Millionen Dollar
Kommerziell & Industriekredite	412,8 Millionen US-Dollar	9,8 Millionen US-Dollar

Gebühren für Bankdienstleistungen

Bankdienstleistungsgebühren generierten im Jahr 2023 Einnahmen in Höhe von 12,6 Millionen US-Dollar, mit folgender Aufteilung:

• Kontoführungsgebühren: 4,2 Millionen US-Dollar
• Transaktionsgebühren: 3,8 Millionen US-Dollar
• Gebühren für Geldautomaten und Debitkarten: 2,7 Millionen US-Dollar
• Überziehungsgebühren: 1,9 Millionen US-Dollar

Gebühren für die Vergabe von Hypotheken

Die Hypothekenvergabegebühren beliefen sich im Jahr 2023 auf insgesamt 3,4 Millionen US-Dollar, mit einer durchschnittlichen Gebühr von 1.275 US-Dollar pro Hypothekendarlehen.

Investment- und Vermögensverwaltungsdienstleistungen

Der Umsatz aus Investmentdienstleistungen erreichte im Jahr 2023 5,7 Millionen US-Dollar:

Servicekategorie	Einnahmen
Vermögensverwaltung	2,9 Millionen US-Dollar
Finanzberatung	1,8 Millionen US-Dollar
Ruhestandsplanung	1,0 Millionen US-Dollar

Transaktions- und Kontoführungsgebühren

Transaktions- und Kontoführungsgebühren generierten im Jahr 2023 einen Umsatz von 8,2 Millionen US-Dollar:

• Gebühren für Überweisungen: 2,6 Millionen US-Dollar
• Gebühren für Zahlungsstopp: 0,7 Millionen US-Dollar
• Gebühren für die Kontorecherche: 1,2 Millionen US-Dollar
• Sonstige sonstige Kosten: 3,7 Millionen US-Dollar

Colony Bankcorp, Inc. (CBAN) - Canvas Business Model: Value Propositions

You're looking at what Colony Bankcorp, Inc. (CBAN) offers its customers and the market as of late 2025, right after closing that big merger. The value here is built on being a local partner with specialized capabilities.

Full-service community banking with a local, consultative approach is a core promise. Colony Bankcorp, Inc. operates locations throughout Georgia, Birmingham, Alabama, Tallahassee, Florida, and the Florida Panhandle. This local presence supports a consultative approach, especially in their specialty lending groups. For instance, their Small Business Specialty Lending (SBSL) team emphasizes a consultative approach throughout the SBA/USDA journey to ensure clients understand every step. This is backed by hundreds of years of combined experience within that team.

The specialized government-guaranteed lending (SBA) expertise is a clear differentiator. Colony Bankcorp, Inc. holds Preferred Lender Status with the Small Business Administration, which allows them to reduce the time it takes to close loans and get capital to businesses faster than many other banks. For the third quarter of 2025, their SBSL unit closed $28.4 million in Small Business Administration loans and sold $18.2 million in SBA loans. They offer specific programs like the SBA 7(a) Loan, with loan sizes from $500,000 to $5,000,000, and the SBA 504 Loan, with sizes up to $10,000,000.

Colony Bankcorp, Inc. provides comprehensive financial solutions, moving beyond basic checking and savings. They offer a full suite of services including:

• Banking services for personal and business customers.
• Mortgage lending.
• Government guaranteed lending (SBA/USDA).
• Consumer insurance through Colony Insurance, a wholly-owned subsidiary.
• Wealth management.
• Credit cards and merchant services.

To give you a sense of the scale of their core banking operations in Q3 2025, their net interest margin stood at 3.17%. The mortgage division was active, producing $87.3 million in mortgages and selling $65.1 million in the third quarter of 2025.

The company emphasizes its strong capital position exceeding regulatory requirements. As of September 30, 2025, Colony Bankcorp, Inc. maintained capital ratios that qualify them as "well-capitalized." Here's a look at those key preliminary ratios:

Capital Ratio Metric	Value (September 30, 2025)
Preliminary Tier One Leverage Ratio	9.91%
Tier One Capital Ratio	13.44%
Total Risk-Based Capital Ratio	16.00%
Common Equity Tier One Capital Ratio	12.37%

This strong capital base supports their growth strategy. The merger with TC Bancshares, Inc., effective December 1, 2025, was designed to enhance these performance ratios.

The merger creates a significantly larger entity. While the initial merger agreement projected an expected pro forma asset base of $3.8 billion, the actual reported figures for the combined organization as of December 1, 2025, show approximately $3.7 billion in total assets. This combined entity also holds about $3.0 billion in total deposits and $2.4 billion in total loans. This transaction involved issuing approximately 3,839,748 new shares of common stock and paying about $15,428,244 in cash to former TC Bancshares, Inc. shareholders.

The commitment to shareholders is also evident in the recent dividend declaration of $0.1150 per share announced on October 22, 2025. That's the kind of concrete value Colony Bankcorp, Inc. puts on the table.

Colony Bankcorp, Inc. (CBAN) - Canvas Business Model: Customer Relationships

You're focused on how Colony Bankcorp, Inc. builds and keeps its customer base, which is really the heart of a community bank. Their strategy centers on that relationship-based banking, aiming to deepen ties across their footprint in Georgia, Alabama, and Florida. This focus is reflected in their balance sheet growth; as of September 30, 2025, total deposits stood at $2.58 billion, showing a sequential increase of $28.1 million from the end of the second quarter. That growth shows they are successfully attracting and retaining core funding sources, even as the deposit mix shifts.

The structure definitely supports this personalized service. Colony Bankcorp, Inc. relies on dedicated personnel for complex credit needs. For instance, the bank has specialized divisions like Small Business Specialty Lending (SBSL), which closed $28.4 million in Small Business Administration (SBA) loans in the third quarter of 2025. Oversight for the entire credit function rests with experienced leaders, such as the Executive Vice President and Chief Credit Officer, Leonard H. Bateman, Jr.. This structure ensures that commercial and specialized credits get the focused attention required for underwriting and relationship management. Overall, total loans, excluding those held for sale, grew to $2.04 billion by September 30, 2025, a quarterly increase of 2.18%. That's solid loan production, definitely signaling active relationship engagement.

To be fair, relationship banking today can't ignore digital convenience. Colony Bankcorp, Inc. offers digital self-service options via online and mobile banking to meet modern expectations. While specific adoption rates for CBAN aren't public in the latest filings, the industry context shows that over 83% of U.S. adults used digital banking services as of 2025, with 72% of global banking customers preferring mobile apps for core services. Colony Bankcorp, Inc. has to meet that standard, balancing their community presence with efficient digital tools for everyday tasks.

The consultative approach is visible in how they manage deposits, which is crucial for funding those loans. They are actively managing the structure of their liabilities. Between June 30, 2025, and September 30, 2025, they saw a decrease in interest-bearing demand deposits (down $27.5 million) and savings/money market deposits (down $22.8 million), but this was more than offset by a significant $71.1 million increase in time deposits. This shift suggests success in securing longer-term, more stable funding relationships, which often come from more in-depth customer consultations about treasury management or investment needs, driving fee opportunities. Year-over-year, total deposits were up $59.4 million from September 30, 2024.

Here are the key financial metrics that illustrate the scale of their customer-facing business as of the end of Q3 2025:

Metric	Amount as of September 30, 2025	Quarterly Change (vs. Q2 2025)
Total Assets	$3.15 billion	Up $37.1 million
Total Loans (excl. held for sale)	$2.04 billion	Up $43.5 million
Total Deposits	$2.58 billion	Up $28.1 million
SBA Loans Closed (Q3 2025)	$28.4 million	Up $12.6 million (vs. Q2 2025)

The services offered are designed to capture the full financial relationship with individuals and businesses:

• Deliver community banking services to individuals, small businesses, and agricultural customers.
• Provide specialized solutions including mortgage, government guaranteed lending, and consumer insurance.
• Offer wealth management and merchant services to drive fee income streams.
• Maintain a physical network across Georgia, Alabama, and the Florida Panhandle for local decision-making.

Finance: draft 13-week cash view by Friday.

Colony Bankcorp, Inc. (CBAN) - Canvas Business Model: Channels

You're looking at how Colony Bankcorp, Inc. (CBAN) gets its services to customers as of late 2025, which is a moment of significant expansion following a major acquisition.

The physical branch network remains central, though it's in a transition phase following the December 1, 2025, merger with TC Bancshares, Inc. Before that deal, Colony Bankcorp operated a network concentrated in Georgia, Alabama, and Florida. As of Q1 2025, the network stood at 36 locations in Georgia, one in Alabama, and two in Florida. The merger brings in TC Federal Bank's branches across Northern Florida and Southern Georgia, which will operate under the Colony Bank brand into early 2026. The combined entity commands approximately $3.7 billion in total assets as of December 1, 2025.

Here's the quick math on the branch footprint just before the merger closed:

State	Branch Count (Q1 2025)	Geographic Focus
Georgia	36	High-growth metro and stable rural markets
Alabama	1	Birmingham area
Florida	2	Tallahassee and Florida Panhandle

The digital banking platform is a key channel for efficiency and customer experience, which management is actively investing in. Colony Bankcorp has rolled out a new digital banking platform, alongside implementing Salesforce CRM and nCino loan origination software. This tech stack helps clients manage cash flow and payments efficiently, balancing community bank service with modern financial technology.

Specialized lending divisions, like Mortgage and SBA, are critical for generating both interest and non-interest income. The total loan book size, after the TC Bancshares merger, reached approximately $2.4 billion as of December 1, 2025. For context on the pre-merger loan mix (Q1 2025), real estate loans made up 83.6% of the portfolio. The Mortgage division showed resilience in Q1 2025, with production hitting $72.0 million and sales at $55.9 million. Separately, the bank closed $28.4 million in SBA loans in Q3 2025.

You can see the detailed loan composition from Q1 2025 here:

Loan Category	Percentage of Portfolio (Q1 2025)
Commercial Real Estate (CRE)	34.1% (Nonowner Occupied)
Owner Occupied Real Estate	22.4%
Residential Real Estate	21.5%
Commercial Loans	10.3%
Consumer and Other Loans	5.3%
Agriculture Loans	0.8%

For fee-based services, Colony Wealth Advisors and Colony Insurance agencies are growing in importance as revenue diversifiers. In Q3 2025, both these lines, along with merchant services, saw strong revenue increases. Colony Insurance bolstered its channel capability by completing the acquisition of the Ellerbee Agency in May 2025. For Colony Wealth Advisors, associated loan balances were reported around $90 million in Q3 2025, representing a year-over-year increase of $45 million.

The noninterest income stream from these channels is becoming more robust:

• Total Noninterest Income in Q3 2025 reached $10.1 million.
• This was up from $9.0 million in Q1 2025.
• The primary components of noninterest income in Q1 2025 were service charges, insurance, and interchange income.

Finance: draft pro-forma balance sheet reflecting the December 1, 2025, merger by next Tuesday.

Colony Bankcorp, Inc. (CBAN) - Canvas Business Model: Customer Segments

You're looking at who Colony Bankcorp, Inc. (CBAN) is actually serving right now, late in 2025, based on their footprint and recent financial activity. Honestly, their customer base is deeply rooted in the Southeast, particularly Georgia, but they are expanding their reach into Alabama and Florida markets like Birmingham and Tallahassee.

The core of their business is clearly tied to the real estate sector, which tells you a lot about their commercial and investor segments. As of September 30, 2025, total loans stood at $2.04 billion, and at June 30, 2025, approximately 83% of that portfolio was secured by real estate. This concentration points directly to the importance of commercial real estate investors and developers in their model.

Here's a breakdown of the key groups Colony Bankcorp, Inc. targets:

• Small to mid-sized businesses (SMEs) in the Southeast
• Retail customers seeking traditional and digital banking services
• Commercial real estate investors and developers
• High-net-worth individuals for wealth management services

For the SME segment, you see direct action through their Small Business Specialty Lending (SBSL) unit. For example, in the second quarter of 2025, SBSL closed $15.8 million in Small Business Administration (SBA) loans. That's concrete evidence of their focus on that market.

The retail segment is supported by their ongoing technology upgrades, including a new digital banking platform, which helps them compete for deposits. Total deposits were $2.58 billion as of September 30, 2025. If the announced merger with TC Bancshares closes in the fourth quarter of 2025, the combined entity projects total deposits of $3.1 billion, showing a clear intent to grow this base.

The commercial real estate segment is the largest loan category. You can see the specific sub-segments they finance, which is crucial for understanding their risk profile and client concentration. This data comes from their Q1 2025 portfolio breakdown:

Real Estate Sub-Segment	Percentage of Total Real Estate Loans (Q1 2025)
Nonowner Occupied Real Estate	34.1%
Owner Occupied Real Estate	22.4%
Residential Real Estate	21.5%

The wealth management and fee-based services target the high-net-worth individuals, though the specific AUM (Assets Under Management) isn't explicitly broken out here. We can infer their importance from the noninterest income figures. For the third quarter ended September 30, 2025, noninterest income totaled $10.1 million, which includes service charges, insurance, and mortgage fee income, all services relevant to more affluent or complex client relationships. Mortgage production in that same quarter was $87.3 million.

To be defintely clear about the overall scale of the client base they serve, consider the combined entity post-merger projection. The combined organization is expected to hold approximately $3.8 billion in total assets and $2.4 billion in loans, solidifying their position as one of the leading community banks in the Southeast.

Finance: draft Q4 2025 customer segment impact analysis by Friday.

Colony Bankcorp, Inc. (CBAN) - Canvas Business Model: Cost Structure

You're looking at the expenses Colony Bankcorp, Inc. (CBAN) is managing as it integrates the TC Bancshares acquisition. Honestly, for a bank, the cost of money-what you pay for deposits and borrowings-is always the biggest line item, followed closely by the people and the tech keeping the doors open.

Interest Expense on Deposits and Borrowings (Cost of Funds)

The cost to fund the balance sheet has been relatively stable, though it did tick down slightly in the most recent quarter. For the second quarter of 2025, the cost of funds was reported at approximately 2.04%. By the third quarter of 2025, Colony Bankcorp managed to bring that cost down a hair to 2.03%, showing some discipline in managing deposit rates even as loan yields continued to gain momentum.

Non-Interest Expense and Specific Cost Drivers

Total noninterest expense for the third quarter of 2025 hit $24.6 million, up from $22.0 million in the second quarter of 2025. This increase reflects both normal operational growth and, critically, one-time integration costs. On an operating basis, the net non-interest expense to average assets improved four basis points from the prior quarter to 1.48%, with management targeting a go-forward run-rate around 1.45%.

Here's a breakdown of the key components driving that third-quarter expense:

• Merger Costs: Included $0.7 million related to the TC Bancshares deal.
• Wire Fraud Loss: Recognized a $1.25 million loss from an insurance coverage dispute tied to a prior incident.
• Salaries and G&A: Increased due to strategic hires supporting growth.
• Technology Costs: Higher data processing expenses were noted due to increased activity.

You can see how the non-interest expense structure looked in Q3 2025, separating the recurring operating costs from the one-time hits:

Expense Category	Q3 2025 Amount (Millions USD)	Notes
Total Noninterest Expense	$24.6	Reported total for the quarter.
Merger-Related Expenses	$0.7	Costs associated with the TC Bancshares integration.
Wire Fraud Loss (Non-recurring)	$1.25	One-time charge recognized in the quarter.
Operating Non-Interest Expense (Approximate)	$22.65	Total Expense less the $1.95M in noted one-time items ($0.7M + $1.25M).

Provision for Credit Losses

The Provision for Credit Losses (PCL) was $900,000 recorded in the third quarter of 2025. This was up from $450,000 in Q2 2025, driven by higher net charge-offs, particularly in the Small Business Specialty Lending (SBSL) division. Management indicated that Q3 2025 represented the peak for SBSL charge-offs.

Merger-related Expenses for TC Bancshares Integration

The merger with TC Bancshares, Inc. officially closed on December 1, 2025. Colony Bankcorp noted $0.7 million in merger costs within its Q3 2025 noninterest expense. Looking ahead, fourth-quarter expenses were expected to include at least one month of TC Federal expenses post-merger, with system conversion planned for the first quarter of 2026. The transaction is expected to generate cost savings of $5.6 million, or 33.4% of TCBC's non-interest expense, with those saves targeted to begin in the second quarter of 2026.

Branch and Physical Infrastructure Operating Costs

Specific figures for branch and physical infrastructure operating costs aren't broken out separately in the high-level reports, but you know this cost is baked into the total Non-Interest Expense of $24.6 million for Q3 2025. The integration of TC Federal Bank's existing branches-which customers continue to use until conversion in early 2026-will add to this line item in the near term, offset by the projected $5.6 million in annualized cost savings from shared infrastructure.

Colony Bankcorp, Inc. (CBAN) - Canvas Business Model: Revenue Streams

You're looking at the core ways Colony Bankcorp, Inc. makes money as of late 2025. It's a classic banking model, but the non-interest income sources are where the specialized services really show up.

The biggest piece, as you'd expect for a bank, is the spread between what they earn on assets and pay on liabilities. Net Interest Income (NII) is the engine here, and it's running strong.

Net Interest Income (NII) from loan and investment portfolios was reported at $22.9 million on a tax-equivalent basis for the third quarter ended September 30, 2025. This compares favorably to the $18.7 million reported for the same period in 2024. The Net Interest Margin (NIM) for Q3 2025 hit 3.17%.

Non-interest income is the second major bucket. For the third quarter of 2025, total noninterest income was $10.1 million. This was essentially flat year-over-year, up only $9,000 or 0.09% compared to Q3 2024. Still, the internal mix shifted.

Here's a look at how those revenue streams broke down for Q3 2025, based on the components driving the total non-interest income:

Revenue Stream Component	Q3 2025 Data Point	Context/Comparison
Net Interest Income (Tax-Equivalent)	$22.9 million	Up from $18.7 million in Q3 2024
Total Non-Interest Income	$10.1 million	Up $9,000 (0.09%) from Q3 2024
Mortgage Production	$87.3 million	Down from $94.9 million in Q2 2025
Mortgage Sales	$65.1 million	Down from $65.3 million in Q2 2025
Total Loans (End of Q3 2025)	$2.04 billion	Up $43.5 million from prior quarter

You see the mortgage business is a key driver of non-interest income, though Q3 2025 production was a bit softer than the second quarter. Colony Bankcorp, Inc. generates Non-Interest Income from mortgage origination and sales fees, which saw an increase in Q3 2025 compared to the prior year period.

Fee income from government-guaranteed loan sales, specifically SBA loans (SBSL), was a drag on the quarter's non-interest income, as the results noted a decrease in gains on sales of SBA loans. Management did note that Q3 2025 represented the peak for SBSL charge-offs, so that headwind might ease.

Service charges on deposit accounts and interchange fees contributed positively to the quarter's results. Colony Bankcorp, Inc. saw a meaningful increase in general fee income and specifically in interchange income during the third quarter of 2025.

The specialized services are definitely showing growth momentum. Colony Bankcorp, Inc.'s wealth management and insurance commission revenue streams are performing well. Both Colony Wealth Advisors and Colony Insurance saw strong increases in revenues in Q3 2025. Insurance commissions specifically contributed to an increase in noninterest income compared to Q3 2024.

The bank is focused on several revenue-generating activities:

• Growing core deposits, which reached $2.58 billion at September 30, 2025.
• Achieving annual organic loan growth between 8% and 12% looking ahead.
• Aiming for five complementary lines of business each generating over $1 million in net income.

Finance: draft 13-week cash view by Friday.