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Colony Bankcorp CBAN Provision for Credit Losses

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Segments

By segment

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Small Business Specialty Lending Division$1.1M+40.9%
Bank$801K+343%
Mortgage$0

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-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
Other borrowings8919291,7791,856
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

Item 1. Financial Statements

FAQ

What is Colony Bankcorp's provision for credit losses?
Colony Bankcorp (CBAN) reported provision for credit losses of $1.9M in Q2 2026.
How has Colony Bankcorp's provision for credit losses changed year-over-year?
Colony Bankcorp's provision for credit losses increased by 322.2% year-over-year, from $450K to $1.9M.
What is the long-term trend for Colony Bankcorp's provision for credit losses?
Over 3 years (2021 to 2024), Colony Bankcorp's provision for credit losses has grown at a 138.1% compound annual growth rate (CAGR), from $226K to $3.05M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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