Colony Bankcorp, Inc. (CBAN): History, Ownership, Mission, How It Works & Makes Money

Ever wondered how Colony Bankcorp, Inc. (CBAN) navigates the financial landscape and what makes it tick? With total assets reaching over $2.8 billion as of December 31, 2024, and net income available to common shareholders at $28.4 million, CBAN stands as a key player in the banking sector. Delve into this comprehensive overview to uncover the rich history, core mission, ownership structure, and the intricate mechanisms through which Colony Bankcorp, Inc. generates revenue.

Colony Bankcorp, Inc. (CBAN) History

Colony Bankcorp, Inc. Founding Timeline

Year established

The company was established in 1975.

Original location

The bank's original location was in Fitzgerald, Georgia.

Founding team members

As of April 2025, details about the specific founding team members are not widely or publicly available.

Initial capital/funding

Information about the initial capital or funding at the time of the bank's founding in 1975 is not readily available in the provided search results.

Colony Bankcorp, Inc. Evolution Milestones

Colony Bankcorp, Inc. Transformative Moments

• Strategic Acquisitions: The acquisitions of SouthCrest Financial Group, Corepoint Financial, and The Barnes Agency marked significant expansions in both geography and service offerings. The SouthCrest acquisition, in particular, provided a substantial entry into the Atlanta market.
• Focus on Community Banking: The company's emphasis on community banking has been a consistent theme, driving its approach to customer service and local market engagement.
• Expansion of Services: By broadening its services to include insurance, the company has diversified its revenue streams and provided more comprehensive financial solutions to its customer base.
• Digital Transformation: Investments in technology and digital banking solutions have allowed the company to meet the evolving needs of its customers and improve operational efficiency.

To gain more insights into the investors and ownership structure, check this out: Exploring Colony Bankcorp, Inc. (CBAN) Investor Profile: Who’s Buying and Why?

Colony Bankcorp, Inc. (CBAN) Ownership Structure

Colony Bankcorp, Inc. features a mix of institutional, retail, and insider ownership, shaping its corporate governance and strategic direction.

Colony Bankcorp, Inc.'s Current Status

Colony Bankcorp, Inc. is a publicly traded company, listed on the NASDAQ under the ticker symbol CBAN. This means that shares of the company are available for purchase by the general public, and the company is subject to regulatory requirements and reporting standards set forth by the Securities and Exchange Commission (SEC).

Colony Bankcorp, Inc.'s Ownership Breakdown

The ownership of Colony Bankcorp, Inc. is distributed among various types of shareholders. Here's a breakdown:

Colony Bankcorp, Inc.'s Leadership

The leadership team at Colony Bankcorp, Inc. is responsible for setting the strategic direction of the company and overseeing its operations. As of April 2025, key figures include:

• Heath Fountain serves as the Chief Executive Officer.
• Eddie Hoyle holds the position of Chief Financial Officer.
• Chad Harrell is the Chief Credit Officer.

These individuals, along with other members of the executive team and board of directors, guide the company's strategic initiatives and ensure its financial health. More information about CBAN's financial standing can be found at: Breaking Down Colony Bankcorp, Inc. (CBAN) Financial Health: Key Insights for Investors

Colony Bankcorp, Inc. (CBAN) Mission and Values

Colony Bankcorp, Inc. strives to enrich the lives of its customers and communities by providing comprehensive financial solutions and fostering long-term relationships built on trust and integrity. The company's core values emphasize community focus, customer satisfaction, and ethical conduct in all its operations.

Colony Bankcorp, Inc.'s Core Purpose

Official mission statement

Colony Bankcorp, Inc.'s official mission statement is:

To be a trusted community partner, delivering financial solutions with exceptional service and creating value for our shareholders, customers, employees, and communities.

• Community Partnership: Focuses on building strong, reliable relationships within the communities it serves.
• Financial Solutions: Commits to providing a wide array of financial products and services tailored to meet diverse needs.
• Exceptional Service: Stresses the importance of high-quality, personalized customer service.
• Value Creation: Aims to generate value for all stakeholders, including shareholders, customers, employees, and the broader community.

Vision statement

Colony Bankcorp, Inc.'s vision statement can be inferred from their strategic goals and public statements:

To be the leading community bank in the markets we serve, recognized for our commitment to excellence, innovation, and community development.

• Market Leadership: Aspires to be the top-performing community bank in its operational areas.
• Commitment to Excellence: Strives for continuous improvement and high standards in all aspects of its business.
• Innovation: Embraces new ideas and technologies to enhance its services and operations.
• Community Development: Actively contributes to the economic and social well-being of the communities it serves.

Company slogan/tagline

While specific slogans can change, Colony Bankcorp, Inc. often uses messaging that emphasizes its local roots and customer focus. Examples of potential slogans or taglines include:

• 'Your Community. Your Bank.'
• 'Building Relationships, Delivering Solutions.'
• 'Invested in Your Success.'

These taglines reflect Colony Bankcorp, Inc.'s dedication to local communities, personalized service, and customer success. For more insights into Colony Bankcorp, Inc.'s financial health, see Breaking Down Colony Bankcorp, Inc. (CBAN) Financial Health: Key Insights for Investors.

Colony Bankcorp, Inc. (CBAN) How It Works

Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank, providing a range of community banking services to businesses and individuals. These services encompass traditional banking products, treasury management, and digital banking solutions, primarily within Georgia.

Colony Bankcorp, Inc.'s Product/Service Portfolio

Colony Bankcorp, Inc.'s Operational Framework

Colony Bankcorp, Inc. focuses on delivering personalized financial solutions through a network of community bank branches and digital platforms. The bank's operational framework includes:

• Customer Relationship Management: Building and maintaining strong customer relationships through personalized service and local expertise.
• Credit Underwriting: Assessing and managing credit risk through rigorous underwriting standards and portfolio diversification.
• Digital Banking: Providing convenient online and mobile banking services to enhance customer accessibility and engagement.
• Community Involvement: Supporting local communities through sponsorships, donations, and employee volunteerism.

Colony Bankcorp, Inc.'s Strategic Advantages

Colony Bankcorp, Inc. leverages several strategic advantages to compete effectively in the community banking market:

• Local Market Expertise: Deep understanding of local market dynamics and customer needs in Georgia.
• Relationship-Focused Approach: Emphasis on building long-term relationships with customers through personalized service.
• Strong Credit Quality: Disciplined credit underwriting practices resulting in a high-quality loan portfolio.
• Technology Investments: Investing in digital banking platforms and technology infrastructure to enhance operational efficiency and customer experience.

To gain more insights into the investors profile, check this out: Exploring Colony Bankcorp, Inc. (CBAN) Investor Profile: Who’s Buying and Why?

Colony Bankcorp, Inc. (CBAN) How It Makes Money

Colony Bankcorp, Inc. primarily generates revenue through traditional banking activities, including interest income from loans and investment securities, as well as non-interest income from services like fees and commissions.

Colony Bankcorp, Inc.'s Revenue Breakdown

As of the fiscal year 2024, the bank's revenue streams can be broken down as follows:

Colony Bankcorp, Inc.'s Business Economics

The business economics of Colony Bankcorp, Inc. are influenced by several key factors:

• Interest Rate Spread: The difference between the interest earned on loans and investments and the interest paid on deposits is a critical driver of profitability. Changes in market interest rates can significantly impact this spread.
• Loan Portfolio Composition: The types of loans (e.g., commercial, residential, agricultural) and their associated risk profiles affect the overall yield and potential for losses.
• Fee Income: Revenue from services such as account fees, wealth management, and transaction processing provides a stable source of income that is less sensitive to interest rate fluctuations.
• Operating Efficiency: Managing operating expenses, including salaries, technology, and occupancy costs, is essential for maximizing profitability.

More insights about Colony Bankcorp, Inc. can be found here: Mission Statement, Vision, & Core Values of Colony Bankcorp, Inc. (CBAN).

Colony Bankcorp, Inc.'s Financial Performance

Key indicators of Colony Bankcorp, Inc.'s financial performance include:

• Net Income: As of the end of fiscal year 2024, Colony Bankcorp, Inc. reported a net income of $28.9 million.
• Earnings Per Share (EPS): The EPS for 2024 stood at $1.79, reflecting the profitability per outstanding share.
• Total Assets: As of December 31, 2024, the company's total assets amounted to $2.84 billion.
• Return on Assets (ROA): The ROA for 2024 was 1.03%, indicating the efficiency of asset utilization in generating profits.
• Return on Equity (ROE): The ROE for 2024 was 9.74%, reflecting the return generated on shareholders' equity.

Colony Bankcorp, Inc. (CBAN) Market Position & Future Outlook

As of April 2025, Colony Bankcorp, Inc. (CBAN) navigates a dynamic market landscape, focusing on strategic growth initiatives and adapting to evolving economic conditions. The bank's future success hinges on capitalizing on market opportunities while effectively managing potential risks. For more information, check out Mission Statement, Vision, & Core Values of Colony Bankcorp, Inc. (CBAN).

Competitive Landscape

Opportunities & Challenges

Industry Position

Colony Bankcorp, Inc. holds a significant position as a community-focused bank within the competitive Georgia banking sector. Key aspects of its industry standing include:

• Community Banking Focus: Strong emphasis on local relationships and community development.
• Regional Presence: Operates primarily in Georgia, with opportunities for strategic expansion.
• Competitive Landscape: Faces competition from larger regional and national banks, as well as smaller community banks.