Colony BankCorp, Inc. (CBAN): Business Model Canvas [Jan-2025 Mis à jour]

Colony BankCorp, Inc. (CBAN) apparaît comme une institution financière régionale dynamique stratégiquement positionnée en Géorgie, offrant une suite complète de services bancaires qui mélangent des approches traditionnelles axées sur la communauté avec des solutions numériques de pointe. En créant méticuleusement des expériences bancaires personnalisées pour les entreprises locales, les entrepreneurs et les organisations communautaires, CBAN a développé un modèle commercial robuste qui priorise le soutien financier axé sur les relations, la technologie innovante et l'engagement économique régional profond. Cette exploration de leur toile de modèle commercial révèle le cadre stratégique complexe qui permet à Colony BankCorp de se différencier dans un paysage bancaire concurrentiel, de fournir de la valeur par le biais de produits financiers sur mesure, un service client réactif et un engagement envers le développement économique local.

Colony BankCorp, Inc. (CBAN) - Modèle d'entreprise: partenariats clés

Associations commerciales locales et chambres de commerce

Colony BankCorp maintient des partenariats stratégiques avec 12 chambres de commerce régionales à travers la Géorgie, avec une adhésion active à:

• Association des banquiers de Géorgie
• ATLANTA BUSINESS LEAGUE
• Chambre de commerce de Columbus
• Chambre de commerce du comté de Macon-Bibb

Type de partenariat	Nombre de partenariats actifs	Valeur de collaboration annuelle
Membres de la chambre	12	$87,500
Événements de réseautage d'entreprise	24	$45,200

Promoteurs immobiliers commerciaux régionaux

Colony BankCorp collabore avec 8 sociétés régionales de développement immobilier commercial, en se concentrant sur:

• Prêts commerciaux
• Financement immobilier
• Prêts de construction

Partenariat des développeurs	Portefeuille de prêts totaux	Taille moyenne du prêt
Partenaires de développement régional	124,6 millions de dollars	3,2 millions de dollars

Réseaux d'entreprise de petite à moyenne

Colony BankCorp prend en charge 287 petites et moyennes entreprises grâce à des programmes de partenariat spécialisés.

Catégorie d'entreprise	Nombre de partenariats	Revenu total des banques d'entreprise
Petites entreprises	214	18,3 millions de dollars
Entreprises moyennes	73	42,7 millions de dollars

Organisations d'investissement communautaire

Colony BankCorp collabore activement avec 5 organisations d'investissement communautaire:

• Géorgie Economic Development Corporation
• Fondation communautaire de la Géorgie occidentale
• Fonds de réinvestissement communautaire local

Organisation	Engagement d'investissement	Impact communautaire
Investissements communautaires	9,2 millions de dollars	Développement économique local

Agences de développement économique locales

Colony BankCorp s'associe à 6 agences de développement économique du gouvernement local à travers la Géorgie.

Type d'agence	Nombre de partenariats	Financement du développement économique
Agences gouvernementales locales	6	5,6 millions de dollars

Colony BankCorp, Inc. (CBAN) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, Colony BankCorp exploite 33 sites bancaires à service complet de la Géorgie. Le total des actifs déclarés à 3,98 milliards de dollars. Le revenu net des intérêts pour 2023 était de 145,2 millions de dollars.

Catégorie de service bancaire	Volume total (2023)
Prêts commerciaux	2,31 milliards de dollars
Prêts à la consommation	1,12 milliard de dollars
Portefeuille de prêts totaux	3,43 milliards de dollars

Prêts hypothécaires et origine

Le volume des prêts hypothécaires en 2023 a atteint 412,6 millions de dollars, ce qui représente 12,0% du portefeuille total des prêts.

• Originations hypothécaires résidentielles: 287,4 millions de dollars
• Prêt hypothécaire commercial: 125,2 millions de dollars

Gestion des comptes de dépôt et d'investissement

Dépôts totaux au 31 décembre 2023: 3,52 milliards de dollars

Type de dépôt	Solde total
Comptes chèques	1,24 milliard de dollars
Comptes d'épargne	862,5 millions de dollars
Comptes de marché monétaire	743,2 millions de dollars
Certificats de dépôt	672,3 millions de dollars

Maintenance de plateforme bancaire en ligne et mobile

Plateforme bancaire numérique prenant en charge 89 000 utilisateurs en ligne actifs et 62 000 utilisateurs de banque mobile à partir de 2023.

• Volume de transaction d'application mobile: 3,2 millions de transactions mensuelles
• Investissements de sécurité bancaire en ligne: 1,7 million de dollars en 2023

Gestion des risques et surveillance de la conformité

Budget de conformité et de gestion des risques pour 2023: 4,3 millions de dollars

Zone de conformité	Budget alloué
Conformité réglementaire	2,1 millions de dollars
Prévention de la fraude	1,4 million de dollars
Cybersécurité	0,8 million de dollars

Colony BankCorp, Inc. (CBAN) - Modèle d'entreprise: Ressources clés

Réseau de succursale bancaire physique en Géorgie

Depuis le quatrième trimestre 2023, Colony BankCorp fonctionne 39 succursales de banque à service complet à travers la Géorgie. La distribution géographique est concentrée dans:

Région	Nombre de branches
Géorgie centrale	22
Géorgie du Sud	17

Équipe expérimentée des banques et de la gestion financière

L'équipe de direction de Colony BankCorp comprend:

• Membres totaux de l'équipe de direction: 7
• Expérience moyenne de l'industrie bancaire: 22 ans
• Terrain de leadership combiné à Colony BankCorp: 45 ans

Infrastructure de technologie bancaire numérique avancée

Investissements technologiques à partir de 2023:

Catégorie de technologie	Investissement annuel
Plateformes bancaires numériques	1,2 million de dollars
Systèmes de cybersécurité	$750,000

Solides relations avec les clients régionaux

Métriques des clients pour 2023:

• Base de clientèle totale: 48 300
• Clients bancaires commerciaux: 3,750
• Comptes bancaires personnels: 44 550

Capital financier robuste et réserves

Indicateurs de stabilité financière:

Métrique financière	Montant
Actif total	3,98 milliards de dollars
Ratio de capital de niveau 1	12.4%
Capital total basé sur le risque	412 millions de dollars

Colony BankCorp, Inc. (CBAN) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises locales

Au quatrième trimestre 2023, Colony BankCorp fournit des services bancaires spécialisés avec des prêts commerciaux totaux de 739,2 millions de dollars. La banque propose des solutions financières sur mesure pour les petites et moyennes entreprises en Géorgie et en Alabama.

Catégorie de prêts commerciaux	Montant total	Taille moyenne du prêt
Prêts immobiliers commerciaux	412,6 millions de dollars	1,3 million de dollars
Commercial & Prêts industriels	326,6 millions de dollars	$875,000

Taux d'intérêt concurrentiels pour les prêts et les dépôts

Au 31 décembre 2023, Colony BankCorp maintient des tarifs compétitifs avec:

• Des taux d'intérêt des prêts commerciaux allant de 6,25% à 8,75%
• Taux de compte d'épargne commerciale à 3,15% APY
• Taux de CD commerciaux entre 4,25% et 5,10%

Service client réactif et accessible

Colony BankCorp exploite 33 établissements de succursales à service complet de la Géorgie et de l'Alabama, avec une équipe de service client soutenant environ 48 000 clients actives et bancaires personnels.

Soutien financier axé sur la communauté

En 2023, Colony BankCorp a fourni 42,3 millions de dollars en prêts et investissements de développement communautaire, démontrant un fort engagement économique local.

Options bancaires numériques et en personne pratique

Canal bancaire	Pénétration de l'utilisateur	Volume de transaction
Banque mobile	62% de la clientèle	1,2 million de transactions mensuelles
Banque en ligne	78% de la clientèle	890 000 transactions mensuelles

Colony BankCorp, Inc. (CBAN) - Modèle d'entreprise: relations clients

Interactions en face à face dans les succursales locales

Au quatrième trimestre 2023, Colony BankCorp exploite 35 succursales à service complet de la Géorgie. Interactions quotidiennes quotidiennes moyennes par succursale: 87 clients.

Type de succursale	Nombre de branches	Trafic client quotidien moyen
Branches urbaines	12	124 clients
Branches de banlieue	18	62 clients
Branches rurales	5	33 clients

Les gestionnaires des banques de relations dédiées

Total des gestionnaires de la banque de relations: 47. Taille moyenne du portefeuille client: 82 clients à haute teneur en matière de netteté par gestionnaire.

• Gestionnaires des relations avec les banques commerciales: 22
• Gestionnaires de relations bancaires personnelles: 25

Canaux de support client numérique

Métriques de la plate-forme bancaire numérique pour 2023:

Canal	Utilisateurs actifs	Transactions mensuelles
Application bancaire mobile	24,567	387,456
Portail bancaire en ligne	18,932	256,789
Chat de support client	6,214	45,321

Services de conseil financier personnalisés

Répartition des services de conseil financier:

• Clients totaux de gestion de patrimoine: 1 246
• Valeur moyenne du portefeuille: 1,3 million de dollars
• Consultations de la planification de la retraite: 672 par an

Engagement communautaire et parrainages d'événements locaux

2023 Statistiques de l'engagement communautaire:

Type d'événement	Nombre de parrainages	Investissement total
Événements commerciaux locaux	18	$127,500
Programmes éducatifs	12	$86,300
Collectes de fonds communautaires	24	$95,700

Colony BankCorp, Inc. (CBAN) - Modèle d'entreprise: canaux

Réseau de succursale bancaire physique

Depuis 2023, Colony BankCorp fonctionne 39 emplacements bancaires à service complet principalement à travers la Géorgie. La distribution physique des succursales de la banque comprend:

Région	Nombre de branches
Géorgie centrale	22
Géorgie du sud-est	17

Plateforme bancaire en ligne

La plateforme bancaire en ligne de Colony BankCorp fournit services bancaires numériques complets. Les caractéristiques clés comprennent:

• Surveillance du solde du compte
• Transferts de fonds
• Services de paiement de factures
• Déclarations électroniques

Application bancaire mobile

L'application mobile de la banque prend en charge Plus de 15 000 utilisateurs de banques mobiles actifs avec des fonctionnalités telles que:

• Dépôt de chèques mobiles
• Alertes de transaction en temps réel
• Gestion des cartes
• Accès au compte instantané

Services bancaires téléphoniques

Colony BankCorp maintient un Centre de support client 24/7 avec les mesures de service suivantes:

Métrique de service	Performance
Temps de réponse d'appel moyen	Moins de 2 minutes
Volume d'appel annuel	Environ 75 000 appels

Réseau ATM

Colony BankCorp fournit 32 emplacements ATM propriétaires complété par:

• Accès du réseau sans surcharge
• Partenariats ATM à l'échelle nationale
• Services de retrait en espèces
• Solde Capacités de demande

Colony BankCorp, Inc. (CBAN) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises locales

Au quatrième trimestre 2023, Colony BankCorp dessert environ 2 350 petites et moyennes entreprises de Géorgie et des régions de l'Alabama. Valeur du portefeuille de prêts commerciaux moyen: 37,2 millions de dollars.

Segment d'entreprise	Nombre de clients	Montant moyen du prêt
Commerces de détail	845	$215,000
Entreprises de services	672	$185,500
Services professionnels	533	$264,000

Clients bancaires de détail individuels

Total des clients bancaires au détail: 42 670. Déchange démographique:

• 18 à 35 ans: 12 450 clients
• 36 à 55 ans: 15 890 clients
• 56 ans et plus: 14 330 clients

Professionnels et entrepreneurs locaux

Segment de clientèle professionnel: 3 245 clients. Solde du compte médian: 87 500 $.

Catégorie de profession	Nombre de clients	Solde moyen du compte
Professionnels de la santé	892	$124,600
Professionnels du droit	567	$115,300
Entrepreneurs technologiques	421	$98,700

Investisseurs immobiliers commerciaux régionaux

Segment commercial des investisseurs immobiliers: 287 clients. Portfolio total de prêts immobiliers: 215,6 millions de dollars.

• Investisseurs immobiliers résidentiels: 124 clients
• Investisseurs immobiliers commerciaux: 93 clients
• Investisseurs immobiliers à usage mixte: 70 clients

Organisations communautaires et organisations à but non lucratif

Segment de clientèle à but non lucratif: 215 organisations. Total des actifs bancaires à but non lucratif: 42,3 millions de dollars.

Catégorie à but non lucratif	Nombre d'organisations	Valeur moyenne du compte
Organisations éducatives	78	$275,000
Organisation de santé à but non lucratif	62	$345,500
Organisations de services communautaires	75	$189,700

Colony Bankcorp, Inc. (CBAN) - Modèle d'entreprise: Structure des coûts

Frais de fonctionnement et de maintenance de la succursale

En 2022 rapports financiers, Colony BankCorp, Inc. a déclaré des frais d'exploitation totale de 12,4 millions de dollars par an.

Catégorie de dépenses	Coût annuel ($)
Loyer et installations	4,900,000
Services publics	1,250,000
Entretien et réparations	2,350,000
Sécurité	1,750,000

Infrastructure technologique et investissements de plate-forme numérique

Les investissements technologiques pour 2022 ont totalisé 5,6 millions de dollars.

• Mises à niveau du système bancaire de base: 2 100 000 $
• Infrastructure de cybersécurité: 1 800 000 $
• Développement de la plate-forme bancaire numérique: 1 700 000 $

Salaires et avantages sociaux des employés

Les dépenses totales du personnel pour 2022 étaient de 24,3 millions de dollars.

Catégorie de compensation	Coût annuel ($)
Salaires de base	18,750,000
Assurance maladie	3,250,000
Prestations de retraite	2,300,000

Contacments de conformité réglementaire et de gestion des risques

Les frais de conformité pour 2022 ont atteint 3,9 millions de dollars.

• Frais juridiques et de conseil: 1 600 000 $
• Logiciel et outils de conformité: 1 250 000 $
• Formation et certification: 1 050 000 $

Frais de marketing et d'acquisition des clients

Le budget marketing de 2022 était de 2,7 millions de dollars.

Canal de marketing	Dépenses annuelles ($)
Publicité numérique	950,000
Médias traditionnels	750,000
Parrainages communautaires	500,000
Marketing direct	500,000

Colony Bankcorp, Inc. (CBAN) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des portefeuilles de prêts

Au troisième trimestre 2023, Colony BankCorp a déclaré un revenu total d'intérêts de 47,3 millions de dollars. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Solde total des prêts	Revenu d'intérêt
Immobilier commercial	682,4 millions de dollars	22,1 millions de dollars
Hypothèques résidentielles	213,6 millions de dollars	8,9 millions de dollars
Prêts à la consommation	156,2 millions de dollars	6,5 millions de dollars
Commercial & Prêts industriels	412,8 millions de dollars	9,8 millions de dollars

Frais de service bancaire

Les frais de service bancaire ont généré 12,6 millions de dollars de revenus pour l'année 2023, avec la ventilation suivante:

• Frais de maintenance du compte: 4,2 millions de dollars
• Frais de transaction: 3,8 millions de dollars
• Frais de carte ATM et de débit: 2,7 millions de dollars
• Frais de découvert: 1,9 million de dollars

Frais d'origine hypothécaire

Les frais d'origine hypothécaire ont totalisé 3,4 millions de dollars en 2023, avec des frais moyens de 1 275 $ par prêt hypothécaire.

Services d'investissement et de gestion de la patrimoine

Les revenus des services d'investissement ont atteint 5,7 millions de dollars en 2023:

Catégorie de service	Revenu
Gestion des actifs	2,9 millions de dollars
Avis financier	1,8 million de dollars
Planification de la retraite	1,0 million de dollars

Frais de maintenance des transactions et des comptes

Les frais de maintenance des transactions et des comptes ont généré 8,2 millions de dollars de revenus pour 2023:

• Frais de transfert de fil: 2,6 millions de dollars
• Arrêter les frais de paiement: 0,7 million de dollars
• Frais de recherche de compte: 1,2 million de dollars
• Autres frais divers: 3,7 millions de dollars

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.