Colony Bankcorp, Inc. (CBAN): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Colony Bankcorp, Inc. (CBAN) emerge como una institución financiera regional dinámica estratégicamente posicionada en Georgia, que ofrece un conjunto integral de servicios bancarios que combinan enfoques tradicionales centrados en la comunidad con soluciones digitales de vanguardia. Al elaborar meticulosamente las experiencias bancarias personalizadas para empresas locales, empresarios y organizaciones comunitarias, CBAN ha desarrollado un modelo de negocio robusto que prioriza el apoyo financiero basado en relaciones, la tecnología innovadora y la profunda participación económica regional. Esta exploración de su lienzo de modelo de negocio revela el intrincado marco estratégico que permite a Colony BankCorp por diferenciarse en un panorama bancario competitivo, ofreciendo valor a través de productos financieros personalizados, servicio al cliente receptivo y un compromiso con el desarrollo económico local.

Colony Bankcorp, Inc. (CBAN) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales y cámaras de comercio

Colony BankCorp mantiene asociaciones estratégicas con 12 cámaras de comercio regionales en Georgia, con membresía activa en:

• Asociación de Banqueros de Georgia
• Atlanta Business League
• Cámara de Comercio de Columbus
• Cámara de Comercio del Condado de Macon-Bibb

Tipo de asociación	Número de asociaciones activas	Valor de colaboración anual
Membresías de la cámara	12	$87,500
Eventos de redes comerciales	24	$45,200

Desarrolladores de bienes raíces comerciales regionales

Colony BankCorp colabora con 8 empresas regionales de desarrollo inmobiliario comercial, centrándose en:

• Préstamo comercial
• Financiamiento de la propiedad
• Préstamos de construcción

Asociación para desarrolladores	Cartera de préstamos totales	Tamaño promedio del préstamo
Socios de desarrollo regional	$ 124.6 millones	$ 3.2 millones

Redes empresariales pequeñas a medianas

Colony BankCorp admite 287 empresas pequeñas a medianas a través de programas de asociación especializados.

Categoría empresarial	Número de asociaciones	Ingresos bancarios comerciales totales
Pequeñas empresas	214	$ 18.3 millones
Empresas medianas	73	$ 42.7 millones

Organizaciones de inversión comunitaria

Colony BankCorp colabora activamente con 5 organizaciones de inversión comunitaria:

• Georgia Economic Development Corporation
• Fundación comunitaria de West Georgia
• Fondo de reinversión comunitaria local

Organización	Compromiso de inversión	Impacto de la comunidad
Inversiones comunitarias	$ 9.2 millones	Desarrollo económico local

Agencias de desarrollo económico del gobierno local

Colony BankCorp se asocia con 6 agencias de desarrollo económico del gobierno local en Georgia.

Tipo de agencia	Número de asociaciones	Financiación del desarrollo económico
Agencias gubernamentales locales	6	$ 5.6 millones

Colony Bankcorp, Inc. (CBAN) - Modelo de negocios: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Colony Bankcorp opera 33 ubicaciones de banca de servicio completo en Georgia. Los activos totales reportados en $ 3.98 mil millones. Los ingresos por intereses netos para 2023 fueron de $ 145.2 millones.

Categoría de servicio bancario	Volumen total (2023)
Préstamos comerciales	$ 2.31 mil millones
Préstamos al consumo	$ 1.12 mil millones
Cartera de préstamos totales	$ 3.43 mil millones

Préstamo y origen hipotecario

El volumen de préstamos hipotecarios en 2023 alcanzó los $ 412.6 millones, lo que representa el 12.0% de la cartera de préstamos totales.

• Originaciones de hipotecas residenciales: $ 287.4 millones
• Préstamo hipotecario comercial: $ 125.2 millones

Gestión de cuentas de depósito e inversión

Depósitos totales al 31 de diciembre de 2023: $ 3.52 mil millones

Tipo de depósito	Saldo total
Cuentas corrientes	$ 1.24 mil millones
Cuentas de ahorro	$ 862.5 millones
Cuentas del mercado monetario	$ 743.2 millones
Certificados de depósito	$ 672.3 millones

Mantenimiento de la plataforma de banca en línea y móvil

Plataforma de banca digital que admite 89,000 usuarios en línea activos y 62,000 usuarios de banca móvil a partir de 2023.

• Volumen de transacciones de la aplicación móvil: 3.2 millones de transacciones mensuales
• Inversiones de seguridad bancaria en línea: $ 1.7 millones en 2023

Gestión de riesgos y monitoreo de cumplimiento

Presupuesto de cumplimiento y gestión de riesgos para 2023: $ 4.3 millones

Área de cumplimiento	Presupuesto asignado
Cumplimiento regulatorio	$ 2.1 millones
Prevención de fraude	$ 1.4 millones
Ciberseguridad	$ 0.8 millones

Colony Bankcorp, Inc. (CBAN) - Modelo de negocios: recursos clave

Red de sucursales bancarios físicos en Georgia

A partir del cuarto trimestre de 2023, Colony BankCorp opera 39 sucursales bancarios de servicio completo a través de Georgia. La distribución geográfica se concentra en:

Región	Número de ramas
Georgia central	22
Georgia del Sur	17

Equipo de gestión bancaria y financiera experimentada

El equipo de liderazgo de Colony Bankcorp incluye:

• Miembros del equipo ejecutivo total: 7
• Experiencia de la industria bancaria promedio: 22 años
• Liderazgo combinado Liderazgo en Colony Bankcorp: 45 años

Infraestructura avanzada de tecnología de banca digital

Inversiones tecnológicas a partir de 2023:

Categoría de tecnología	Inversión anual
Plataformas de banca digital	$ 1.2 millones
Sistemas de ciberseguridad	$750,000

Relaciones regionales de clientes fuertes

Métricas del cliente para 2023:

• Base total de clientes: 48,300
• Clientes de banca comercial: 3.750
• Cuentas bancarias personales: 44,550

Capital financiero y reservas robustas

Indicadores de estabilidad financiera:

Métrica financiera	Cantidad
Activos totales	$ 3.98 mil millones
Relación de capital de nivel 1	12.4%
Capital total basado en el riesgo	$ 412 millones

Colony Bankcorp, Inc. (CBAN) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas locales

A partir del cuarto trimestre de 2023, Colony BankCorp ofrece servicios bancarios especializados con préstamos comerciales totales de $ 739.2 millones. El banco ofrece soluciones financieras personalizadas para pequeñas y medianas empresas en Georgia y Alabama.

Categoría de préstamo comercial	Cantidad total	Tamaño promedio del préstamo
Préstamos inmobiliarios comerciales	$ 412.6 millones	$ 1.3 millones
Comercial & Préstamos industriales	$ 326.6 millones	$875,000

Tasas de interés competitivas para préstamos y depósitos

Al 31 de diciembre de 2023, Colony Bankcorp mantiene tarifas competitivas con:

• Tasas de interés de préstamos comerciales que van desde 6.25% a 8.75%
• Tasas de cuenta de ahorro comercial al 3.15% APY
• Tasas comerciales de CD entre 4.25% y 5.10%

Servicio al cliente receptivo y accesible

Colony BankCorp opera 33 ubicaciones de sucursales de servicio completo en Georgia y Alabama, con un equipo de servicio al cliente que respalda a aproximadamente 48,000 clientes de banca comercial y de negocios activos.

Apoyo financiero centrado en la comunidad

En 2023, Colony Bankcorp proporcionó $ 42.3 millones en préstamos e inversiones de desarrollo comunitario, lo que demuestra una fuerte participación económica local.

Convenientes opciones bancarias digitales y en persona

Canal bancario	Penetración de usuario	Volumen de transacción
Banca móvil	62% de la base de clientes	1,2 millones de transacciones mensuales
Banca en línea	78% de la base de clientes	890,000 transacciones mensuales

Colony Bankcorp, Inc. (CBAN) - Modelo de negocios: relaciones con los clientes

Interacciones cara a cara en ubicaciones de sucursales locales

A partir del cuarto trimestre de 2023, Colony BankCorp opera 35 ubicaciones de sucursales de servicio completo en Georgia. Interacciones diarias promedio de clientes por rama: 87 clientes.

Tipo de rama	Número de ramas	Tráfico diario promedio de clientes
Ramas urbanas	12	124 clientes
Ramas suburbanas	18	62 clientes
Ramas rurales	5	33 clientes

Gerentes de banca de relaciones dedicadas

Gerentes de banca de relaciones totales: 47. Tamaño promedio de la cartera de clientes: 82 clientes de alto nivel de red de alto nivel por gerente.

• Gerentes de relaciones bancarias de negocios: 22
• Gerentes de relaciones bancarias personales: 25

Canales de atención al cliente digital

Métricas de plataforma de banca digital para 2023:

Canal	Usuarios activos	Transacciones mensuales
Aplicación de banca móvil	24,567	387,456
Portal bancario en línea	18,932	256,789
Chat de atención al cliente	6,214	45,321

Servicios de asesoramiento financiero personalizado

Desglose del servicio de asesoramiento financiero:

• Total de clientes de gestión de patrimonio: 1.246
• Valor promedio de la cartera: $ 1.3 millones
• Consultas de planificación de jubilación: 672 anualmente

Participación comunitaria y patrocinios de eventos locales

2023 Estadísticas de participación comunitaria:

Tipo de evento	Número de patrocinios	Inversión total
Eventos de negocios locales	18	$127,500
Programas educativos	12	$86,300
Recaudación de fondos comunitarios	24	$95,700

Colony Bankcorp, Inc. (CBAN) - Modelo de negocios: canales

Red de sucursales bancarias físicas

A partir de 2023, Colony BankCorp opera 39 ubicaciones bancarias de servicio completo Principalmente en Georgia. La distribución de sucursales físicas del banco incluye:

Región	Número de ramas
Georgia central	22
Georgia del sudeste	17

Plataforma bancaria en línea

La plataforma bancaria en línea de Colony Bankcorp proporciona Servicios de banca digital integrales. Las características clave incluyen:

• Monitoreo del saldo de la cuenta
• Transferencias de fondos
• Servicios de pago de facturas
• Declaraciones electrónicas

Aplicación de banca móvil

La aplicación móvil del banco admite Más de 15,000 usuarios de banca móvil activa con características como:

• Depósito de cheque móvil
• Alertas de transacciones en tiempo real
• Gestión de tarjetas
• Acceso a la cuenta instantánea

Servicios de banca telefónica

Colony BankCorp mantiene un Centro de atención al cliente 24/7 Con las siguientes métricas de servicio:

Métrico de servicio	Actuación
Tiempo de respuesta de llamadas promedio	Menos de 2 minutos
Volumen de llamadas anual	Aproximadamente 75,000 llamadas

Red de cajeros automáticos

Colony BankCorp proporciona 32 ubicaciones de cajeros automáticos patentados complementado por:

• Acceso a la red sin recarga
• Asociaciones de cajeros automáticos a nivel nacional
• Servicios de retiro de efectivo
• Capacidades de consulta de equilibrio

Colony Bankcorp, Inc. (CBAN) - Modelo de negocios: segmentos de clientes

Empresas locales pequeñas a medianas

A partir del cuarto trimestre de 2023, Colony Bankcorp atiende aproximadamente 2.350 empresas pequeñas a medianas en las regiones de Georgia y Alabama. Valor promedio de la cartera de préstamos comerciales: $ 37.2 millones.

Segmento de negocios	Número de clientes	Monto promedio del préstamo
Negocios minoristas	845	$215,000
Empresas de servicios	672	$185,500
Servicios profesionales	533	$264,000

Clientes de banca minorista individual

Total de clientes minoristas bancarios: 42,670. Desglose demográfico:

• Edad 18-35: 12.450 clientes
• Edad 36-55: 15,890 clientes
• Edad 56+: 14,330 clientes

Profesionales y empresarios locales

Segmento de clientes profesionales: 3.245 clientes. Saldo mediano de la cuenta: $ 87,500.

Categoría de profesión	Conteo de clientes	Saldo de cuenta promedio
Profesionales médicos	892	$124,600
Profesionales legales	567	$115,300
Empresarios de tecnología	421	$98,700

Inversores inmobiliarios comerciales regionales

Segmento de inversores inmobiliarios comerciales: 287 clientes. Cartera total de préstamos inmobiliarios: $ 215.6 millones.

• Inversores inmobiliarios residenciales: 124 clientes
• Inversores de propiedades comerciales: 93 clientes
• Inversores de propiedades de uso mixto: 70 clientes

Organizaciones comunitarias y organizaciones sin fines de lucro

Segmento de clientes sin fines de lucro: 215 organizaciones. Activos bancarios totales sin fines de lucro: $ 42.3 millones.

Categoría sin fines de lucro	Número de organizaciones	Valor de cuenta promedio
Organizaciones educativas	78	$275,000
Sin fines de lucro de atención médica	62	$345,500
Organizaciones de servicio comunitario	75	$189,700

Colony Bankcorp, Inc. (CBAN) - Modelo de negocio: Estructura de costos

Operación de rama y gastos de mantenimiento

A partir de los informes financieros de 2022, Colony Bankcorp, Inc. reportó gastos de operación de sucursales totales de $ 12.4 millones anuales.

Categoría de gastos	Costo anual ($)
Alquiler e instalaciones	4,900,000
Utilidades	1,250,000
Mantenimiento y reparaciones	2,350,000
Seguridad	1,750,000

Investmentos en infraestructura tecnológica e plataforma digital

Las inversiones tecnológicas para 2022 totalizaron $ 5.6 millones.

• Actualizaciones del sistema bancario central: $ 2,100,000
• Infraestructura de ciberseguridad: $ 1,800,000
• Desarrollo de la plataforma de banca digital: $ 1,700,000

Salarios y beneficios de los empleados

Los gastos totales de personal para 2022 fueron de $ 24.3 millones.

Categoría de compensación	Costo anual ($)
Salarios base	18,750,000
Seguro médico	3,250,000
Beneficios de jubilación	2,300,000

Costos de cumplimiento regulatorio y gestión de riesgos

Los gastos de cumplimiento para 2022 alcanzaron los $ 3.9 millones.

• Tarifas legales y de consultoría: $ 1,600,000
• Software y herramientas de cumplimiento: $ 1,250,000
• Capacitación y certificación: $ 1,050,000

Gastos de marketing y adquisición de clientes

El presupuesto de marketing para 2022 fue de $ 2.7 millones.

Canal de marketing	Gasto anual ($)
Publicidad digital	950,000
Medios tradicionales	750,000
Patrocinios comunitarios	500,000
Marketing directo	500,000

Colony Bankcorp, Inc. (CBAN) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

A partir del tercer trimestre de 2023, Colony Bankcorp informó ingresos por intereses totales de $ 47.3 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total del préstamo	Ingresos por intereses
Inmobiliario comercial	$ 682.4 millones	$ 22.1 millones
Hipotecas residenciales	$ 213.6 millones	$ 8.9 millones
Préstamos al consumo	$ 156.2 millones	$ 6.5 millones
Comercial & Préstamos industriales	$ 412.8 millones	$ 9.8 millones

Tarifas de servicio bancario

Las tarifas de servicio bancario generaron $ 12.6 millones en ingresos para el año 2023, con el siguiente desglose:

• Tarifas de mantenimiento de la cuenta: $ 4.2 millones
• Tarifas de transacción: $ 3.8 millones
• Tarifas de cajeros automáticos y tarjetas de débito: $ 2.7 millones
• Tarifas de sobregiro: $ 1.9 millones

Tarifas de origen de la hipoteca

Las tarifas de origen de la hipoteca totalizaron $ 3.4 millones en 2023, con una tarifa promedio de $ 1,275 por préstamo hipotecario.

Servicios de inversión y gestión de patrimonio

Los ingresos de los servicios de inversión alcanzaron $ 5.7 millones en 2023:

Categoría de servicio	Ganancia
Gestión de activos	$ 2.9 millones
Aviso financiero	$ 1.8 millones
Planificación de jubilación	$ 1.0 millones

Cargos de transacción y mantenimiento de la cuenta

Los cargos de transacción y mantenimiento de la cuenta generaron $ 8.2 millones en ingresos para 2023:

• Tasas de transferencia de cables: $ 2.6 millones
• Detener los cargos de pago: $ 0.7 millones
• Tarifas de investigación de cuentas: $ 1.2 millones
• Otros cargos varios: $ 3.7 millones

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.