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

Screener

Other segment segments

Small Business Specialty Lending Division

$1.1M+40.9%

Bank

$801K+343%

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BUSEBanking — Provision for Credit Losses

$2.19M-61.6%

BUSEFirsTech — Provision for Credit Losses

$0—

SYFSynchrony Segment — Provision for Credit Losses

$1.34B-10.5%

FULTReportable Segment — Provision for Credit Losses

$8.92M-50.2%

BENFBen Custody — Provision for Credit Losses

$0-100%

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$465.16M+67.1%

Enterprise value$538.71M+30.0%

P/E14.2×-2.2×

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:ProvisionForLoanLossesExpensed.

The source filing: Colony Bankcorp’s 10-K, filed March 13, 2026.

Filed: Mar 13, 2026, 10:02 AM EDT
Fiscal year: FY2025
Accession: 0000711669-26-000007

(dollars in thousands)	Bank	Mortgage	Small Business Specialty Lending Division	Totals
Net Interest Income	$87,718	$224	$3,959	$91,901
Provision for Credit Losses	1,296	—	3,204	4,500
Net Interest Income after Provision for Credit Losses	86,422	224	755	87,401
Mortgage Fee Income	109	7,426	—	7,535
Gain on Sale of SBA Loans	—	—	5,372	5,372
Other	24,774	—	2,599	27,373
Total Noninterest Income	24,883	7,426	7,971	40,280
Salaries and Employee Benefits	39,967	6,768	5,682	52,417

Item 8. Financial Statements and Supplementary Data

FAQ

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.