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Colony Bankcorp Inc's Business Segments
Colony Bankcorp Inc's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of Q1 FY2026
Reportable Segments
3
Largest Segment
Bank
Total Revenue
$ 38
Regions Reported
-
Revenue Share by Reportable Segment - Q1 FY2026
- Bank18.7%
- Mortgage4.9%
- Small Business Specialty Lending Division4.4%
Revenue by Reportable Segment - Q1 FY2026
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Bank | $ 7 | 18.7% |
| Mortgage | $ 2 | 4.9% |
| Small Business Specialty Lending Division | $ 2 | 4.4% |
Description of Colony Bankcorp Inc
Colony Bankcorp, Inc. is a Georgia business corporation which was incorporated
on November 8, 1982. The Company was organized for the purpose of operating as
a bank holding company under the Federal Bank Holding Company Act of 1956, as
amended, and the bank holding company laws of Georgia (Georgia Laws 1976, p. 168,
et. seq.). On July 22, 1983, the Company, after obtaining the requisite regulatory
approvals, acquired 100 percent of the issued and outstanding common stock of
Colony Bank (formerly Colony Bank of Fitzgerald and The Bank of Fitzgerald), Fitzgerald,
Georgia, through the merger of the Bank with a subsidiary of the Company which
was created for the purpose of organizing the Bank into a one-bank holding company.
Since that time, Colony Bank has operated as a wholly-owned subsidiary of the
Company. Our business is conducted primarily through our wholly-owned subsidiary,
which provides a broad range of banking services to its retail and commercial
customers. The company headquarters are located at 115 South Grant Street, Fitzgerald,
Georgia 31750, its telephone number is 229-426-6000 and its Internet address is
http://www.colonybank.com.
Colony Bankcorp, Inc. is a financial institution based in the United States that primarily focuses on banking and related services. The company operates through its wholly-owned subsidiary, Colony Bank, and provides a variety of financial products and services for both individual consumers and businesses. Below is a detailed overview of the segments, products, and services offered by Colony Bankcorp, Inc.
Segments
1. Commercial Banking:
- Targeted at small to medium-sized enterprises, this segment offers tailored financial solutions to meet the diverse needs of business clients, including operational financing and long-term investments.
2. Retail Banking:
- This segment focuses on individual consumers, offering products and services designed for personal finance management, savings, and wealth accumulation.
3. Mortgage Banking:
- Provides a suite of mortgage products for residential property buyers, including conventional loans, FHA loans, VA loans, and refinancing options.
4. Wealth Management and Financial Advisory:
- Offers various services related to investment management, retirement planning, and trust services for individuals and families looking to preserve and grow their wealth.
Products and Services
Commercial Products and Services
- Business Checking Accounts: Accounts tailored for small businesses, offering features like online banking, mobile check deposits, and transaction services.
- Loans and Credit:
- Commercial Real Estate Loans: Financing options for the purchase, refinance, and construction of commercial properties.
- Small Business Loans: Diverse financing solutions, including term loans and lines of credit, to support short-term and long-term business needs.
- Equipment Financing: Loans and leasing arrangements for acquiring machinery and equipment essential for business operations.
- Treasury Management Services: A suite of services designed to help businesses manage cash flow, including merchant services, payments processing, and fraud prevention tools.
- Merchant Services: Solutions for businesses to accept card payments, including point-of-sale (POS) systems and e-commerce payment processing.
Retail Products and Services
- Personal Checking and Savings Accounts: Various account options catering to different customer needs, including fee-free accounts, high-yield savings accounts, and joint accounts.
- Certificates of Deposit (CDs): Time deposits with competitive interest rates for customers looking to grow their savings over a specified term.
- Consumer Loans:
- Auto Loans: Financing for purchasing new or used vehicles, with flexible terms and competitive rates.
- Personal Loans: Unsecured loans for personal expenses, consolidation of debt, or major purchases.
- Credit Cards: A range of credit card options, offering rewards, cashback programs, and low-interest rates.
- Online and Mobile Banking: Modern digital banking services allowing customers to manage their accounts anytime, anywhere, with features like bill pay, fund transfers, and account alerts.
Mortgage Products
- Home Purchase Mortgages: Diverse financing options for homebuyers, including fixed-rate and adjustable-rate mortgages (ARMs).
- Home Equity Lines of Credit (HELOCs): Flexible borrowing options that allow customers to access the equity in their homes for various needs.
- Refinancing Options: Solutions for existing homeowners looking to lower their interest rates or adjust their mortgage terms.
Wealth Management
- Investment Advisory Services: Personalized investment strategies designed to align with clients financial goals and risk tolerance.
- Retirement Planning: Services that help individuals plan for retirement, including IRA accounts and guided retirement strategies.
- Trust Services: Professional management of trust funds, estates, and fiduciary services to help clients manage their legacies.
- Financial Planning: Comprehensive financial assessments and planning to help clients achieve their long-term financial objectives.
Customer Segments
Colony Bankcorp caters to a wide range of customer segments, including individuals, families, small and medium-sized businesses, and larger corporations. Their services are designed to meet the specific financial needs of these various segments, providing customized solutions to help clients thrive.
Community Involvement
Colony Bankcorp places a strong emphasis on community engagement and support. The bank often participates in local events, offers financial literacy programs, and supports community development initiatives, helping to foster economic growth in the areas it serves.
Conclusion
Colony Bankcorp, Inc. provides a comprehensive array of banking, lending, and financial services that cater to both individual and business customers. With a focus on community involvement and personalized service, the bank strives to meet the diverse financial needs of its clients. The range of commercial, retail, mortgage, and wealth management services positions Colony Bank as a versatile player in the financial sector, dedicated to fostering growth and prosperity for its clients and the communities in which they operate.
Segments
1. Commercial Banking:
- Targeted at small to medium-sized enterprises, this segment offers tailored financial solutions to meet the diverse needs of business clients, including operational financing and long-term investments.
2. Retail Banking:
- This segment focuses on individual consumers, offering products and services designed for personal finance management, savings, and wealth accumulation.
3. Mortgage Banking:
- Provides a suite of mortgage products for residential property buyers, including conventional loans, FHA loans, VA loans, and refinancing options.
4. Wealth Management and Financial Advisory:
- Offers various services related to investment management, retirement planning, and trust services for individuals and families looking to preserve and grow their wealth.
Products and Services
Commercial Products and Services
- Business Checking Accounts: Accounts tailored for small businesses, offering features like online banking, mobile check deposits, and transaction services.
- Loans and Credit:
- Commercial Real Estate Loans: Financing options for the purchase, refinance, and construction of commercial properties.
- Small Business Loans: Diverse financing solutions, including term loans and lines of credit, to support short-term and long-term business needs.
- Equipment Financing: Loans and leasing arrangements for acquiring machinery and equipment essential for business operations.
- Treasury Management Services: A suite of services designed to help businesses manage cash flow, including merchant services, payments processing, and fraud prevention tools.
- Merchant Services: Solutions for businesses to accept card payments, including point-of-sale (POS) systems and e-commerce payment processing.
Retail Products and Services
- Personal Checking and Savings Accounts: Various account options catering to different customer needs, including fee-free accounts, high-yield savings accounts, and joint accounts.
- Certificates of Deposit (CDs): Time deposits with competitive interest rates for customers looking to grow their savings over a specified term.
- Consumer Loans:
- Auto Loans: Financing for purchasing new or used vehicles, with flexible terms and competitive rates.
- Personal Loans: Unsecured loans for personal expenses, consolidation of debt, or major purchases.
- Credit Cards: A range of credit card options, offering rewards, cashback programs, and low-interest rates.
- Online and Mobile Banking: Modern digital banking services allowing customers to manage their accounts anytime, anywhere, with features like bill pay, fund transfers, and account alerts.
Mortgage Products
- Home Purchase Mortgages: Diverse financing options for homebuyers, including fixed-rate and adjustable-rate mortgages (ARMs).
- Home Equity Lines of Credit (HELOCs): Flexible borrowing options that allow customers to access the equity in their homes for various needs.
- Refinancing Options: Solutions for existing homeowners looking to lower their interest rates or adjust their mortgage terms.
Wealth Management
- Investment Advisory Services: Personalized investment strategies designed to align with clients financial goals and risk tolerance.
- Retirement Planning: Services that help individuals plan for retirement, including IRA accounts and guided retirement strategies.
- Trust Services: Professional management of trust funds, estates, and fiduciary services to help clients manage their legacies.
- Financial Planning: Comprehensive financial assessments and planning to help clients achieve their long-term financial objectives.
Customer Segments
Colony Bankcorp caters to a wide range of customer segments, including individuals, families, small and medium-sized businesses, and larger corporations. Their services are designed to meet the specific financial needs of these various segments, providing customized solutions to help clients thrive.
Community Involvement
Colony Bankcorp places a strong emphasis on community engagement and support. The bank often participates in local events, offers financial literacy programs, and supports community development initiatives, helping to foster economic growth in the areas it serves.
Conclusion
Colony Bankcorp, Inc. provides a comprehensive array of banking, lending, and financial services that cater to both individual and business customers. With a focus on community involvement and personalized service, the bank strives to meet the diverse financial needs of its clients. The range of commercial, retail, mortgage, and wealth management services positions Colony Bank as a versatile player in the financial sector, dedicated to fostering growth and prosperity for its clients and the communities in which they operate.