What does mortgage — provision for credit losses mean?

This is an expense set aside to cover potential future losses from loans within the mortgage segment that may become uncollectible. It reflects management's assessment of credit risk and the overall health of the mortgage loan portfolio.

Colony Bankcorp CBAN Mortgage — Provision for Credit Losses

Other segment segments

Small Business Specialty Lending Division

$970K+248%

Bank

$780K-36.1%

Similar metrics at other companies

FBKMortgage — Provisions for credit losses

$1.04M+907%

WSBFMortgage Banking — Provision For Loan Lease And Other Losses

-$20K+50.0%

FCCOMortgage Banking1 — Provision For Other Credit Losses

-$3K+88.0%

MFAMortgage-Related Assets — Provision for Other Credit Losses

$0—

MVBFMortgage Banking — Provision (release) of allowance for credit loss

$0—

ABCBRetail Mortgage — Provision for Credit Losses

$3.07M-40.8%

Other financials

Income statement

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Revenue$39.9M+33.0%

Net income$8.2M+24.1%

EPS (diluted)$0.39+2.6%

Balance sheet

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Cash & equivalents$295.8M+33.7%

Total debt$258.1M+4.1%

Total equity$380.4M+32.6%

Total assets$3.7B+17.3%

Cash flow

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Operating cash flow$54.3M+202%

CapEx$421.0K+21.7%

Free cash flow$53.8M+206%

Valuation

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Market cap$422.74M+58.8%

Enterprise value$385.07M+31.4%

P/E14.8×-2.3×

P/S3.1×-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 / equity0.7×-0.2×

Where this comes from

Reported directly by Colony Bankcorp in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLossesExpensed.

The official record: Colony Bankcorp’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Colony Bankcorp's mortgage — provision for credit losses?: Colony Bankcorp (CBAN) reported mortgage — provision for credit losses of $0 in Q4 2025.
What does mortgage — provision for credit losses mean?: This is an expense set aside to cover potential future losses from loans within the mortgage segment that may become uncollectible. It reflects management's assessment of credit risk and the overall health of the mortgage loan portfolio.