Colony Bankcorp, Inc. (CBAN): Modelo de negócios Canvas [Jan-2025 Atualizado]

A Colony Bankcorp, Inc. (CBAN) surge como uma instituição financeira regional dinâmica posicionada estrategicamente na Geórgia, oferecendo um conjunto abrangente de serviços bancários que misturam abordagens tradicionais focadas na comunidade com soluções digitais de ponta. Ao elaborar meticulosamente experiências bancárias personalizadas para empresas locais, empreendedores e organizações comunitárias, o CBAN desenvolveu um modelo de negócios robusto que prioriza o apoio financeiro orientado por relacionamento, a tecnologia inovadora e o profundo envolvimento econômico regional. Essa exploração de seu modelo de negócios Canvas revela a intrincada estrutura estratégica que permite que a Colony Bankcorp se diferencie em um cenário bancário competitivo, oferecendo valor por meio de produtos financeiros personalizados, atendimento ao cliente responsivo e um compromisso com o desenvolvimento econômico local.

Colony Bankcorp, Inc. (CBAN) - Modelo de negócios: parcerias -chave

Associações comerciais locais e câmaras de comércio

A Colony Bankcorp mantém parcerias estratégicas com 12 Câmaras Regionais de Comércio em toda a Geórgia, com participação ativa em:

• Associação de Banqueiros da Geórgia
• Liga de Negócios de Atlanta
• Câmara de Comércio de Columbus
• Câmara de Comércio do Condado de Macon-Bibb

Tipo de parceria	Número de parcerias ativas	Valor anual de colaboração
Associações de câmara	12	$87,500
Eventos de rede de negócios	24	$45,200

Promotores imobiliários comerciais regionais

O Colony Bankcorp colabora com 8 empresas regionais de desenvolvimento imobiliário comercial, focando:

• Empréstimos comerciais
• Financiamento de propriedades
• Empréstimos de construção

Parceria de desenvolvedor	Portfólio total de empréstimos	Tamanho médio do empréstimo
Parceiros de Desenvolvimento Regional	US $ 124,6 milhões	US $ 3,2 milhões

Redes corporativas pequenas e médias

A Colony BankCorp suporta 287 empresas pequenas e médias por meio de programas de parceria especializados.

Categoria corporativa	Número de parcerias	Receita bancária de negócios total
Pequenas empresas	214	US $ 18,3 milhões
Médias empresas	73	US $ 42,7 milhões

Organizações de investimento comunitário

O Colony Bankcorp colabora ativamente com 5 organizações de investimento comunitário:

• Corporação de Desenvolvimento Econômico da Geórgia
• Fundação Comunitária da Geórgia Ocidental
• Fundo de Reinvestimento da Comunidade Local

Organização	Compromisso de investimento	Impacto da comunidade
Investimentos comunitários	US $ 9,2 milhões	Desenvolvimento Econômico Local

Agências de desenvolvimento econômico do governo local

A Colony Bankcorp faz parceria com 6 agências de desenvolvimento econômico do governo local em toda a Geórgia.

Tipo de agência	Número de parcerias	Financiamento de desenvolvimento econômico
Agências governamentais locais	6	US $ 5,6 milhões

Colony Bankcorp, Inc. (CBAN) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre 2023, a Colony BankCorp opera 33 locais bancários de serviço completo em toda a Geórgia. Total de ativos relatados em US $ 3,98 bilhões. A receita de juros líquidos de 2023 foi de US $ 145,2 milhões.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 2,31 bilhões
Empréstimos ao consumidor	US $ 1,12 bilhão
Portfólio total de empréstimos	US $ 3,43 bilhões

Empréstimos e originação hipotecária

O volume de empréstimos hipotecários em 2023 atingiu US $ 412,6 milhões, representando 12,0% da carteira total de empréstimos.

• Origenas da hipoteca residencial: US $ 287,4 milhões
• Empréstimos de hipotecas comerciais: US $ 125,2 milhões

Gerenciamento de conta de depósito e investimento

Total de depósitos em 31 de dezembro de 2023: US $ 3,52 bilhões

Tipo de depósito	Balanço total
Contas de verificação	US $ 1,24 bilhão
Contas de poupança	US $ 862,5 milhões
Contas do mercado monetário	US $ 743,2 milhões
Certificados de depósito	US $ 672,3 milhões

Manutenção da plataforma bancária online e móvel

Plataforma bancária digital que suporta 89.000 usuários on -line ativos e 62.000 usuários de bancos móveis a partir de 2023.

• Volume de transação de aplicativos móveis: 3,2 milhões de transações mensais
• Investimentos de segurança bancários online: US $ 1,7 milhão em 2023

Gerenciamento de riscos e monitoramento de conformidade

Orçamento de conformidade e gerenciamento de riscos para 2023: US $ 4,3 milhões

Área de conformidade	Orçamento alocado
Conformidade regulatória	US $ 2,1 milhões
Prevenção de fraudes	US $ 1,4 milhão
Segurança cibernética	US $ 0,8 milhão

Colony Bankcorp, Inc. (CBAN) - Modelo de negócios: Recursos -chave

Rede de agências bancárias físicas na Geórgia

A partir do quarto trimestre 2023, o Colony BankCorp opera 39 agências bancárias de serviço completo em toda a Geórgia. A distribuição geográfica está concentrada em:

Região	Número de ramificações
Geórgia central	22
Geórgia do Sul	17

Equipe de gestão bancária e financeira experiente

A equipe de liderança do Colony Bankcorp inclui:

• Total de membros da equipe executiva: 7
• Experiência média da indústria bancária: 22 anos
• Posse combinada de liderança no Colony Bankcorp: 45 anos

Infraestrutura de tecnologia bancária digital avançada

Investimentos de tecnologia a partir de 2023:

Categoria de tecnologia	Investimento anual
Plataformas bancárias digitais	US $ 1,2 milhão
Sistemas de segurança cibernética	$750,000

Forte relacionamentos regionais do cliente

Métricas de clientes para 2023:

• Base total de clientes: 48.300
• Clientes bancários comerciais: 3.750
• Contas bancárias pessoais: 44.550

Capital financeiro robusto e reservas

Indicadores de estabilidade financeira:

Métrica financeira	Quantia
Total de ativos	US $ 3,98 bilhões
Índice de capital de camada 1	12.4%
Capital total baseado em risco	US $ 412 milhões

Colony Bankcorp, Inc. (CBAN) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas locais

No quarto trimestre 2023, a Colony Bankcorp fornece serviços bancários especializados com empréstimos comerciais totais de US $ 739,2 milhões. O banco oferece soluções financeiras personalizadas para pequenas e médias empresas na Geórgia e no Alabama.

Categoria de empréstimo comercial	Montante total	Tamanho médio do empréstimo
Empréstimos imobiliários comerciais	US $ 412,6 milhões	US $ 1,3 milhão
Comercial & Empréstimos industriais	US $ 326,6 milhões	$875,000

Taxas de juros competitivas para empréstimos e depósitos

Em 31 de dezembro de 2023, a Colony Bankcorp mantém taxas competitivas com:

• Taxas de juros de empréstimos comerciais que variam de 6,25% a 8,75%
• Taxas de conta de poupança de negócios a 3,15% APY
• Taxas de CD comercial entre 4,25% e 5,10%

Atendimento ao cliente responsivo e acessível

A Colony BankCorp opera 33 localizações de filiais de serviço completo na Geórgia e no Alabama, com uma equipe de atendimento ao cliente suportando aproximadamente 48.000 clientes bancários comerciais e pessoais ativos.

Apoio financeiro focado na comunidade

Em 2023, a Colony Bankcorp forneceu US $ 42,3 milhões em empréstimos e investimentos em desenvolvimento comunitário, demonstrando um forte engajamento econômico local.

Opções bancárias digitais e pessoais convenientes

Canal bancário	Penetração do usuário	Volume de transação
Mobile Banking	62% da base de clientes	1,2 milhão de transações mensais
Bancos online	78% da base de clientes	890.000 transações mensais

Colony Bankcorp, Inc. (CBAN) - Modelo de negócios: relacionamentos com o cliente

Interações presenciais em locais de filiais locais

A partir do quarto trimestre 2023, a Colony BankCorp opera 35 localizações de filiais de serviço completo em toda a Geórgia. Interações médias diárias do cliente por filial: 87 clientes.

Tipo de ramificação	Número de ramificações	Tráfego diário médio do cliente
Ramos urbanos	12	124 clientes
Ramos suburbanos	18	62 clientes
Ramos rurais	5	33 clientes

Gerentes bancários de relacionamento dedicado

Gerentes bancários totais de relacionamento: 47. Tamanho médio do portfólio de clientes: 82 clientes de alta rede por gerente.

• Gerentes de relacionamento bancários de negócios: 22
• Gerentes de relacionamento bancário pessoal: 25

Canais de suporte ao cliente digital

Métricas da plataforma bancária digital para 2023:

Canal	Usuários ativos	Transações mensais
Aplicativo bancário móvel	24,567	387,456
Portal bancário online	18,932	256,789
Chat de suporte ao cliente	6,214	45,321

Serviços de Consultoria Financeira Personalizada

Redução de serviços de consultoria financeira:

• Total de clientes de gerenciamento de patrimônio: 1.246
• Valor médio da portfólio: US $ 1,3 milhão
• Consultas de planejamento de aposentadoria: 672 anualmente

Engajamento da comunidade e patrocínios de eventos locais

2023 Estatísticas de engajamento da comunidade:

Tipo de evento	Número de patrocínios	Investimento total
Eventos de negócios locais	18	$127,500
Programas educacionais	12	$86,300
Angariação de fundos da comunidade	24	$95,700

Colony Bankcorp, Inc. (CBAN) - Modelo de negócios: canais

Rede de agência bancária física

A partir de 2023, o Colony BankCorp opera 39 locais bancários de serviço completo principalmente em toda a Geórgia. A distribuição da agência física do banco inclui:

Região	Número de ramificações
Geórgia central	22
Sudeste da Geórgia	17

Plataforma bancária online

A plataforma bancária on -line do Colony Bankcorp fornece serviços bancários digitais abrangentes. Os principais recursos incluem:

• Monitoramento do saldo da conta
• Transferências de fundos
• Serviços de pagamento da conta
• Declarações eletrônicas

Aplicativo bancário móvel

O aplicativo móvel do banco suporta Mais de 15.000 usuários de bancos móveis ativos com recursos como:

• Depósito de cheque móvel
• Alertas de transações em tempo real
• Gerenciamento de cartões
• Acesso à conta instantânea

Serviços bancários telefônicos

Colony Bankcorp mantém um Centro de Suporte ao Cliente 24/7 com as seguintes métricas de serviço:

Métrica de serviço	Desempenho
Tempo médio de resposta de chamada	Menos de 2 minutos
Volume anual de chamada	Aproximadamente 75.000 ligações

Rede ATM

Colony BankCorp fornece 32 Locais proprietários de caixas eletrônicos complementado por:

• Acesso à rede sem sobretaxa
• Parcerias ATMs em todo o país
• Serviços de retirada em dinheiro
• Recursos de inquérito de equilíbrio

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

Pequenas e médias empresas

A partir do quarto trimestre de 2023, a Colony Bankcorp atende a aproximadamente 2.350 empresas pequenas e médias nas regiões da Geórgia e do Alabama. Valor médio da carteira de empréstimos comerciais: US $ 37,2 milhões.

Segmento de negócios	Número de clientes	Valor médio do empréstimo
Negócios de varejo	845	$215,000
Negócios de serviço	672	$185,500
Serviços profissionais	533	$264,000

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 42.670. Redução demográfica:

• Idade 18-35: 12.450 clientes
• Idade 36-55: 15.890 clientes
• Idade 56 ou mais: 14.330 clientes

Profissionais e empreendedores locais

Segmento de clientes profissionais: 3.245 clientes. Saldo médio da conta: US $ 87.500.

Categoria de profissão	Contagem de clientes	Saldo médio da conta
Profissionais médicos	892	$124,600
Profissionais do direito	567	$115,300
Empreendedores de tecnologia	421	$98,700

Investidores imobiliários comerciais regionais

Segmento de investidores imobiliários comerciais: 287 clientes. Portfólio total de empréstimos imobiliários: US $ 215,6 milhões.

• Investidores imobiliários residenciais: 124 clientes
• Investidores de propriedades comerciais: 93 clientes
• Investidores imobiliários de uso misto: 70 clientes

Organizações comunitárias e organizações sem fins lucrativos

Segmento de clientes sem fins lucrativos: 215 organizações. Total de ativos bancários sem fins lucrativos: US $ 42,3 milhões.

Categoria sem fins lucrativos	Número de organizações	Valor médio da conta
Organizações educacionais	78	$275,000
Organizações sem fins lucrativos de saúde	62	$345,500
Organizações de Serviço Comunitário	75	$189,700

Colony Bankcorp, Inc. (CBAN) - Modelo de negócios: estrutura de custos

Operação de ramificação e despesas de manutenção

A partir de 2022 Relatórios Financeiros, a Colony BankCorp, Inc. registrou despesas totais de operação de US $ 12,4 milhões anualmente.

Categoria de despesa	Custo anual ($)
Aluguel e instalações	4,900,000
Utilitários	1,250,000
Manutenção e reparos	2,350,000
Segurança	1,750,000

Infraestrutura de tecnologia e investimentos de plataforma digital

Os investimentos em tecnologia para 2022 totalizaram US $ 5,6 milhões.

• Atualizações do sistema bancário principal: US $ 2.100.000
• Infraestrutura de segurança cibernética: US $ 1.800.000
• Desenvolvimento da plataforma bancária digital: US $ 1.700.000

Salários e benefícios dos funcionários

As despesas totais de pessoal para 2022 foram de US $ 24,3 milhões.

Categoria de compensação	Custo anual ($)
Salários da base	18,750,000
Seguro de saúde	3,250,000
Benefícios de aposentadoria	2,300,000

Custos de conformidade regulatória e gerenciamento de riscos

As despesas de conformidade em 2022 atingiram US $ 3,9 milhões.

• Taxas legais e de consultoria: US $ 1.600.000
• Software e ferramentas de conformidade: US $ 1.250.000
• Treinamento e certificação: US $ 1.050.000

Despesas de marketing e aquisição de clientes

O orçamento de marketing para 2022 foi de US $ 2,7 milhões.

Canal de marketing	Gasto anual ($)
Publicidade digital	950,000
Mídia tradicional	750,000
Patrocínio da comunidade	500,000
Marketing direto	500,000

Colony Bankcorp, Inc. (CBAN) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

No terceiro trimestre de 2023, a Colony Bankcorp registrou receita total de juros de US $ 47,3 milhões. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Saldo total de empréstimo	Receita de juros
Imóveis comerciais	US $ 682,4 milhões	US $ 22,1 milhões
Hipotecas residenciais	US $ 213,6 milhões	US $ 8,9 milhões
Empréstimos ao consumidor	US $ 156,2 milhões	US $ 6,5 milhões
Comercial & Empréstimos industriais	US $ 412,8 milhões	US $ 9,8 milhões

Taxas de serviço bancário

As taxas de serviço bancário geraram US $ 12,6 milhões em receita para o ano de 2023, com a seguinte quebra:

• Taxas de manutenção de conta: US $ 4,2 milhões
• Taxas de transação: US $ 3,8 milhões
• Taxas de cartão ATM e débito: US $ 2,7 milhões
• Taxas de cheque especial: US $ 1,9 milhão

Taxas de originação hipotecária

As taxas de originação hipotecária totalizaram US $ 3,4 milhões em 2023, com uma taxa média de US $ 1.275 por empréstimo hipotecário.

Serviços de investimento e gerenciamento de patrimônio

A receita dos serviços de investimento atingiu US $ 5,7 milhões em 2023:

Categoria de serviço	Receita
Gestão de ativos	US $ 2,9 milhões
Aviso financeiro	US $ 1,8 milhão
Planejamento de aposentadoria	US $ 1,0 milhão

Taxas de transação e manutenção de contas

As taxas de manutenção de transações e contas geraram US $ 8,2 milhões em receita para 2023:

• Taxas de transferência de fio: US $ 2,6 milhões
• Parar cobranças de pagamento: US $ 0,7 milhão
• Taxas de pesquisa de contas: US $ 1,2 milhão
• Outras cobranças diversas: US $ 3,7 milhões

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.