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Colony Bankcorp CBAN Small Business Specialty Lending Division — Interest Income Expense Net

Other segment segments

Bank
$28.44M+33.4%
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 small business specialty lending division — interest income expense net?
Colony Bankcorp (CBAN) reported small business specialty lending division — interest income expense net of $1.36M in Q2 2026.
How has Colony Bankcorp's small business specialty lending division — interest income expense net changed year-over-year?
Colony Bankcorp's small business specialty lending division — interest income expense net increased by 32.7% year-over-year, from $1.02M to $1.36M.
What is the long-term trend for Colony Bankcorp's small business specialty lending division — interest income expense net?
Over 4 years (2021 to 2025), Colony Bankcorp's small business specialty lending division — interest income expense net has grown at a 30.8% compound annual growth rate (CAGR), from $1.35M to $3.96M.
What does small business specialty lending division — interest income expense net mean?
This represents the net interest income generated by the small business specialty lending segment, calculated as the difference between interest earned on loans and interest paid on funding liabilities. It serves as a primary indicator of the segment's core profitability from its lending activities before accounting for credit losses.

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