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Colony Bankcorp CBAN Mortgage — Interest Income Expense Net

Other segment segments

Bank
$28.44M+33.4%
Small Business Specialty Lending Division
$1.36M+32.7%

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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 mortgage — interest income expense net?
Colony Bankcorp (CBAN) reported mortgage — interest income expense net of $78K in Q2 2026.
How has Colony Bankcorp's mortgage — interest income expense net changed year-over-year?
Colony Bankcorp's mortgage — interest income expense net increased by 77.3% year-over-year, from $44K to $78K.
What is the long-term trend for Colony Bankcorp's mortgage — interest income expense net?
Over 3 years (2021 to 2024), Colony Bankcorp's mortgage — interest income expense net has grown at a -27.1% compound annual growth rate (CAGR), from $543K to $210K.
What does mortgage — interest income expense net mean?
This represents the net interest income generated specifically by the mortgage business segment. It is calculated as the difference between interest earned on mortgage loans and the interest expense incurred to fund those assets. This metric reflects the core profitability of the mortgage lending portfolio before accounting for credit losses or non-interest expenses.

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