Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+3.00%
$20.97
100% positive prob.
5-Day Prediction
+6.89%
$21.76
100% positive prob.
20-Day Prediction
+5.92%
$21.56
95% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q3 2026 | BUY | +3.00% | +6.89% | +5.92% | 100.0% | Pending |
| Q2 2026 | SELL | -4.07% | -5.73% | -5.46% | 100.0% | +7.30% |
| Q1 2026 | SELL | -4.11% | -5.90% | -5.58% | 100.0% | -5.38% |
| Q4 2025 | BUY | +2.03% | +5.35% | +5.09% | 100.0% | +12.66% |
SEC 8-K filings with transcript text
Oct 28, 2026 · 100% conf.
1D
+3.00%
$20.97
5D
+6.89%
$21.76
20D
+5.92%
$21.56
5 cban-ex99d1.htm
Exhibit 99.1
For additional information, contact:
Derek Shelnutt
EVP & Chief Financial Officer
229-426-6000, extension 6119
FITZGERALD, GA. (October 28, 2026) – Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”) today reported financial results for the third quarter of 2026. Financial highlights are shown below.
Financial Highlights:
●Net income was $10.5 million, or $0.50 per diluted share, for the third quarter of 2026, compared to $10.9 million, or $0.51 per diluted share, for the second quarter of 2026, and $5.8 million, or $0.33 per diluted share, for the third quarter of 2025.
●Operating net income was $11.6 million, or $0.54 of operating earnings per diluted share, for the third quarter of 2026, compared to $11.0 million, or $0.52 of operating earnings per diluted share, for the second quarter of 2026, and $8.2 million, or $0.47 of operating earnings per diluted share, for the third quarter of 2025. (See Reconciliation of Non-GAAP Measures).
●Provision for credit losses of $1.7 million was recorded in the third quarter of 2026 compared to $1.9 million in the second quarter of 2026, and $900,000 in the third quarter of 2025.
●Total loans, excluding loans held for sale, were $2.48 billion at September 30, 2026, an increase of $12.3 million, or 0.50%, from the prior quarter.
●Total deposits were $2.96 billion and $2.97 billion at September 30, 2026 and June 30, 2026, respectively, a decrease of $14.5 million.
●Mortgage production was $96.5 million, and mortgage sales totaled $69.2 million in the third quarter of 2026 compared to $115.4 million and $67.3 million, respectively, for the second quarter of 2026.
●Small Business Specialty Lending (“SBSL”) closed $29.9 million in Small Business Administration (“SBA”) loans and sold $12.7 million in SBA loans in the third quarter of 2026 compared to $13.0 million and $5.5 million, respectively, for the second quarter of 2026.
The Company also announced that on October 28, 2026, the Board of Directors declared a quarterly cash dividend of $0.12 per share, to be paid on its common stock on November 25, 2026, to shareholders of record as of the close of business on November 11, 2026. The Company had 21,220,149 shares of its common stock outstanding as of October 26, 2026.
“We are pleased to report improved financial performance in the third quarter, driven by solid execution and sustained profitability across our core franchise,” said Heath Fountain, Chief Executive Officer. “The momentum built over recent quarters reflects the resilience of our business model and our focus on disciplined balance sheet management, efficiency, and sound credit quality. As we move through the remainder of the year and complete our partnership with First Reliance, we believe we are well positioned to capitalize on the opportunities that will allow us to deliver consistent results.”
“Loan growth was lower in the third quarter and is reflective of our commitment to pricing discipline in a changing rate environment. Margin continues to improve, which is a result of increasing earning asset yields and consistent pricing on our new and renewed loans. While our long-term target for loan growth remains unchanged, we are likely to see softer growth in the near-term.”
1
“We previously announced that all necessary regulatory approvals and shareholder approvals have been obtained for our partnership with First Reliance. Both teams have been working to ensure a smooth transition at legal close as well as preparing for our systems conversion and customer integration currently expected in the second quarter of 2027 and we remain on track to successfully achieve our goals.”
“As we look ahead, our outlook remains bright. Uniting our teams and strengths allows us to build on our momentum, sharpen our focus on operational excellence, and deliver even greater long-term value to our shareholders, customers, and communities.”
Balance Sheet
●Total assets were $3.65 billion at September 30, 2026, an increase of $20.3 million from June 30, 2026.
●Total loans, excluding loans held for sale, were $2.48 billion at September 30, 2026, an increase of $12.3 million from June 30, 2026.
●Total deposits were $2.96 billion and $2.97 billion at September 30, 2026 and June 30, 2026, respectively, a decrease of $14.5 million. Decreases were seen in noninterest-bearing demand deposits of $6.8 million and interest-bearing demand deposits of $44.1 million partially offset by increases in savings and money market deposits of $15.1 million and time deposits of $21.4 million, from June 30, 2026 to September 30, 2026.
●Total borrowings at September 30, 2026 were $263.2 million, an increase of $30.0 million compared to June 30, 2026.
Capital
●Colony continues to maintain a strong capital position, with rati
Jul 22, 2026 · 100% conf.
1D
-4.07%
$19.72
Act: +4.91%
5D
-5.73%
$19.38
Act: +7.30%
20D
-5.46%
$19.44
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Apr 22, 2026 · 100% conf.
1D
-4.11%
$19.95
Act: -3.99%
5D
-5.90%
$19.58
Act: -5.38%
20D
-5.58%
$19.65
Act: -5.24%
2 cban-20260422xex99d1.htm
Exhibit 99.1
For additional information, contact:
Derek Shelnutt
EVP & Chief Financial Officer
229-426-6000, extension 6119
FITZGERALD, GA. (April 22, 2026) – Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”) today reported financial results for the first quarter of 2026. Financial highlights are shown below.
Financial Highlights:
●Net income was $8.2 million, or $0.39 per diluted share, for the first quarter of 2026, compared to $7.8 million, or $0.42 per diluted share, for the fourth quarter of 2025, and $6.6 million, or $0.38 per diluted share, for the first quarter of 2025.
●Operating net income was $9.5 million, or $0.45 of operating earnings per diluted share, for the first quarter of 2026, compared to $8.9 million, or $0.48 of operating earnings per diluted share, for the fourth quarter of 2025, and $6.6 million, or $0.38 of operating earnings per diluted share, for the first quarter of 2025. (See Reconciliation of Non-GAAP Measures).
●Provision for credit losses of $1.75 million was recorded in the first quarter of 2026 compared to $1.65 million in the fourth quarter of 2025, and $1.50 million in the first quarter of 2025.
●Total loans, excluding loans held for sale, were $2.41 billion at March 31, 2026, an increase of $32.2 million, or 1.35%, from the prior quarter.
●Total deposits were $3.05 billion and $3.07 billion at March 31, 2026 and December 31, 2025, respectively, a decrease of $19.1 million.
●Mortgage production was $88.5 million, and mortgage sales totaled $61.4 million in the first quarter of 2026 compared to $89.5 million and $68.1 million, respectively, for the fourth quarter of 2025.
●Small Business Specialty Lending (“SBSL”) closed $13.1 million in Small Business Administration (“SBA”) loans and sold $10.4 million in SBA loans in the first quarter of 2026 compared to $29.1 million and $16.8 million, respectively, for the fourth quarter of 2025.
The Company also announced that on April 22, 2026, the Board of Directors declared a quarterly cash dividend of $0.12 per share, to be paid on its common stock on May 20, 2026, to shareholders of record as of the close of business on May 6, 2026. The Company had 21,162,104 shares of its common stock outstanding as of April 20, 2026.
"Our first quarter performance represents a strong start to the year, characterized by meaningful improvement compared to the first quarter in the prior year and continued disciplined execution of our strategic initiatives. In addition to our solid financial performance during the quarter, our team successfully completed the TC Federal customer integration and core systems conversion which represents a significant operational achievement that allows us to fully realize the efficiencies of our combined organization and provides a scalable platform for future growth,” said Heath Fountain, Chief Executive Officer.
"Beyond core banking operations, our complementary lines of business continue to demonstrate significant momentum, contributing to a notable increase in noninterest income compared to the first quarter of the prior year. This growth highlights the success of our diversification strategy and our ability to deepen client relationships across our platform.”
1
“Colony Insurance and Colony Financial Advisors both achieved their strongest quarters to date on a pre-tax basis. The performance of these lines of business illustrates the value of our integrated financial services model and provides a resilient, diversified revenue stream that complements our core banking operations."
“We are also encouraged by the continued expansion of our net interest margin, marking another consecutive quarter of improvement. This trend, supported by our diligent management of deposit costs and asset yields, reinforces the underlying strength of our balance sheet. As we move forward, we remain committed to leveraging our enhanced scale and operational stability to deliver consistent results for our shareholders."
Balance Sheet
●Total assets were $3.72 billion at March 31, 2026, a slight decrease of $14.8 million from December 31, 2025.
●Total loans, excluding loans held for sale, were $2.41 billion at March 31, 2026, an increase of $32.2 million from December 31, 2025.
●Total deposits were $3.05 billion and $3.07 billion at March 31, 2026 and December 31, 2025, respectively, a decrease of $19.1 million. Decreases were seen in noninterest-bearing demand deposits of $31.5 million, interest-bearing demand deposits of $4.5 million and time deposits of $1.7 million while savings and money market deposits increased $18.6 million, from December 31, 2025 to March 31, 2026. The decline in organic customer deposits was driven by the seasonal municipal deposit outflow early in the quarter, however customer deposits incr
This page provides Colony Bankcorp Inc. (CBAN) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on CBAN's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.