Colony Bank
Fitzgerald, Georgia, Ben Hill County
$3.6B in total assets, the 372nd largest of 4,309 US banks and 5th of 125 headquartered in Georgia.
- FDIC certificate
- 22257
- Established
- 1976
- Owned by
- Colony Bankcorp Inc
- Primary regulator
- FDIC
- Website
- colony.bank
At a glance
Compared with 11 banks headquartered in Georgia with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.6B | 73% | $2.2B | |
| Loans | $2.5B | 64% | $1.4B | |
| Deposits | $3.0B | 73% | $1.9B | |
| Return on assets | 0.99% | 9% | 1.53% | |
| Net interest margin | 3.57% | 9% | 4.21% | |
| Efficiency ratio | 63.9% | 54% | 50.9% | |
| Equity to assets | 11.18% | 64% | 10.39% | |
| Loans to deposits | 83% | 46% | 86% |
Growth
Total assets grew 15.6% a year over the last 5 years and 12.2% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2025 | TC FEDERAL BANK Thomasville, GA | $560M |
| Aug 2021 | Southcrest Bank, National Association Atlanta, GA | $716M |
| May 2019 | Calumet Bank Lagrange, GA | $207M |
| Aug 2008 | Colony Bank Southeast Broxton, GA, an affiliate under the same holding company | $210M |
| Aug 2008 | Colony Bank of Dodge County Eastman, GA, an affiliate under the same holding company | $82M |
| Aug 2008 | Colony Bank Quitman, FSB Quitman, GA, an affiliate under the same holding company | $151M |
| Aug 2008 | Colony Bank Worth Sylvester, GA, an affiliate under the same holding company | $181M |
| Aug 2008 | Colony Bank Ashburn Ashburn, GA, an affiliate under the same holding company | $344M |
| Aug 2008 | Colony Bank Wilcox Rochelle, GA, an affiliate under the same holding company | $54M |
Where they operate
33 branches in 29 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Ben Hill County, GA | $590M | 70.7% | 1 of 2 |
| Polk County, GA | $192M | 36.9% | 1 of 4 |
| Thomas County, GA | $160M | 7.4% | 3 of 7 |
| Upson County, GA | $144M | 28.9% | 2 of 4 |
| Chatham County, GA | $132M | 1.7% | 13 of 20 |
| Coffee County, GA | $129M | 9.2% | 4 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 5 branches since 2016 (28 to 33, +17.9%). 8 opened, 14 acquired, 17 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 28 | |||
| 2016 | Opened TiftonClosed 4 in Georgia | 1 | 4 | −3 | 25 |
| 2017 | Opened Savannah | 1 | 0 | +1 | 26 |
| 2018 | Closed Albany | 0 | 1 | −1 | 25 |
| 2019 | Acquired Calumet BankOpened Albany and Statesboro, closed Albany | 4 | 1 | +3 | 28 |
| 2020 | Closed Thomaston | 0 | 1 | −1 | 27 |
| 2021 | Acquired Southcrest Bank, National AssociationOpened Albany, closed 6 in Georgia | 10 | 6 | +4 | 31 |
| 2022 | Closed 4 in Georgia | 0 | 4 | −4 | 27 |
| 2023 | Opened Atlanta and Macon | 2 | 0 | +2 | 29 |
| 2025 | Acquired TC FEDERAL BANKOpened Evans | 4 | 0 | +4 | 33 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 44% | 33% | |
| 1-4 family residential | 21% | 35% | |
| Construction and land | 12% | 12% | |
| Business (C&I) | 8% | 8% | |
| Consumer | 7% | 2% | |
| Multifamily | 5% | 2% | |
| Farmland | 2% | 4% | |
| Agricultural | 1% | 1% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 54% | |
| Time deposits | 28% | 23% | |
| Noninterest-bearing | 17% | 24% |
Brokered deposits are 4.1% of deposits (peers 3.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.63% | 0.44% |
| Net charge-offs, annualized | 0.28% | 0.01% |
| Reserves to loans | 0.89% | 1.28% |
| Leverage ratio | 9.97% | 10.78% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Georgia
Largest competitors in Ben Hill County, GA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/colony