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Colony Bankcorp CBAN Bank — Interest Income Expense Net

Other segment segments

Small Business Specialty Lending Division
$1.36M+32.7%
Mortgage
$78K

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Other financials

Income statement

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Revenue$42.0M+29.4%
Net income$10.9M+36.1%
EPS (diluted)$0.51+10.9%

Balance sheet

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Cash & equivalents$159.6M+42.3%
Total debt$233.2M-6.0%
Total equity$390.0M+32.7%
Total assets$3.6B+16.4%

Cash flow

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Operating cash flow$9.1M-42.5%
CapEx$953.0K+1,021%
Free cash flow$8.2M-48.2%

Valuation

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Market cap$467.07M+67.1%
Enterprise value$540.62M+30.0%
P/E14.2×-2.3×
P/S3.2×-0.1×

Profitability

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Net margin22.1%+2.6pp
FCF margin27.7%

Returns & leverage

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Return on equity9.6%+1.1pp
Debt / equity0.6×-0.2×

Where this comes from

Reported directly by Colony Bankcorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: Colony Bankcorp’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:16 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-091111
(dollars in thousands) / Three Months Ended June 30, 2026BankMortgage / BankingSmall / Business / Specialty / Lending / DivisionTotals
Net Interest Income$28,435$78$1,356$29,869
Provision for Credit Losses8011,0991,900
Net Interest Income after Provision for Credit Losses27,6347825727,969
Mortgage Fee Income(41)2,1822,141
Gain on Sales of SBA Loans506506
Other SBA income692692
Other (1)8,81818,819
Total Noninterest Income8,7772,1821,19912,158

Item 1. Financial Statements

FAQ

What is Colony Bankcorp's bank — interest income expense net?
Colony Bankcorp (CBAN) reported bank — interest income expense net of $28.44M in Q2 2026.
How has Colony Bankcorp's bank — interest income expense net changed year-over-year?
Colony Bankcorp's bank — interest income expense net increased by 33.4% year-over-year, from $21.32M to $28.44M.
What is the long-term trend for Colony Bankcorp's bank — interest income expense net?
Over 4 years (2021 to 2025), Colony Bankcorp's bank — interest income expense net has grown at a 8.1% compound annual growth rate (CAGR), from $64.35M to $87.72M.
What does bank — interest income expense net mean?
This represents the core net interest income generated by the banking segment, calculated as the difference between interest earned on loans and investments and interest paid on deposits and borrowings. It serves as a primary indicator of the segment's ability to manage its interest rate spread and balance sheet efficiency. Higher values reflect stronger profitability from traditional lending and deposit-taking activities.

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