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Colony Bankcorp CBAN Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Segments

By segment

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Bank$27.63M+27.6%
Small Business Specialty Lending Division$257K+6.2%
Mortgage$78K

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+67.8%
Enterprise value$540.62M+30.5%
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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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, except per share data)Three Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Total interest expense15,91214,45031,59929,023
Net interest income29,86922,38559,07243,337
Provision for credit losses1,9004503,6501,950
Net interest income after provision for credit losses27,96921,93555,42241,387
Noninterest income
Service charges on deposits2,5612,2195,1224,391
Mortgage fee income2,1411,9844,0763,563
Gain on sales of SBA loans5061,5501,4682,585

Item 1. Financial Statements

FAQ

What is Colony Bankcorp's net interest income (after provisions)?
Colony Bankcorp (CBAN) reported net interest income (after provisions) of $27.97M in Q2 2026.
How has Colony Bankcorp's net interest income (after provisions) changed year-over-year?
Colony Bankcorp's net interest income (after provisions) increased by 27.5% year-over-year, from $21.94M to $27.97M.
What is the long-term trend for Colony Bankcorp's net interest income (after provisions)?
Over 3 years (2021 to 2024), Colony Bankcorp's net interest income (after provisions) has grown at a 3.7% compound annual growth rate (CAGR), from $65.54M to $73.03M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, which represents the expense set aside to cover potential future loan defaults. It provides a more accurate view of the bank's net earnings power after accounting for the inherent risk in the loan portfolio. A stable or growing figure suggests a healthy balance between interest revenue and credit risk management.

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