科勒尼 2025年度报告

Fifty Years of Relationship Banking Colony Bankcorp, Inc. is the bank holding company for Colony Bank.Founded in Fitzgerald,Georgia in 1975, Colony Bank operates locations throughout Georgia as well as in Birmingham,Alabama, and across North Florida, including Tallahassee, Jacksonville, and the Florida Panhandle.Colony Bank provides a consultative approach in offering a range of banking solutions for personaland business customers. In addition to traditional banking services, Colony Bank providesspecialized solutions including mortgage lending, government-guaranteed lending, consumerinsurance, wealth management, credit cards, and merchant services. Colony Bankcorp’s commonstock is traded on the New York Stock Exchange (“NYSE”) under the symbol “CBAN.” For moreinformation, please visit www.colony.bank. You can also follow the Company on social media. F I N A N C I A LH I G H L I G H T S Financial position at December 31,Total assets Operations for the year ended December 31,Net interest income Basic earnings per shareDiluted earnings per share Cash dividends per share Operating ratiosNet interest marginReturn on average assetsReturn on average total equityEfficiency To Our Shareholders 2025 was an important year for Colony Bank. Wecelebrated our 50th anniversary while strengtheningour position as a sustainable, high-performingindependent bank. During the year, we deliveredsolid operating performance, met key financialtargets, and advanced strategic initiatives thatposition the company well for continued growth. Anniversaries invite reflection, but they alsoreaffirm purpose. Since our founding in 1975,Colony Bank has existed to enable progress forour customers, team members, shareholders, andthe communities we serve. That purpose remainsconstant even as the organization has grown from asingle community bank into the largest communitybank headquartered in Georgia. Over the past five decades, we have steadily built thescale and capabilities of a larger institution whilepreserving the spirit and essence of our foundingprinciples. At its core, community banking remainsa people business, and our strategy continuesto center on the relationships we build and theresponsibility we carry as financial partners. We often describe our role as being partners inprogress. True partnerships are built on trust,shared goals, and long-term commitment. Beingentrusted as a financial partner by those we serve isa responsibility we take seriously, and it shapes howwe operate every day. We have long believed thatwhen our customers and communities succeed, wesucceed alongside them. “We believe the long-term valuewe create for our shareholdersremains one of the clearestmeasures of our success.” A 50-Year LegacyColony Bank was founded in 1975 because our founders believed their community needed abank that believed in the potential of its peopleand businesses and was willing to support it. Thatsimple idea became the foundation of what ColonyBank is today. –T. Heath FountainChief Executive Officer communities. Our commitment does not stop atfinancial services. We have also invested millionsof dollars and countless volunteer hours into thecommunities we call home, supporting schools,nonprofits, and civic initiatives that strengthen theplaces where we live and work. Over the years, our consultative approach hashelped thousands of families achieve financialsuccess, purchase homes, build savings, and planfor future generations. We have worked alongsideentrepreneurs as they launched businesses,expanded operations, and created jobs across our “At its core, community banking remains a people business, andour strategy continues to center on the relationships we buildand the responsibility we carry as financial partners.” –Mark H. MasseeChairman Strategic Expansion and M&AOur growth over the decades has been intentional. At Colony Bank, we focus on building a durablefranchise through disciplined organic growth,expansion of complementary businesses,operational efficiency, and selective acquisitions. In 2025, we announced the acquisition of TCFederal Bank, an important step in advancingthat strategy. This partnership expands ColonyBank into the new markets of Thomasville andJacksonville while strengthening our presencein Savannah and Tallahassee. It also bringsexperienced bankers and several long-standingcustomer relationships that align well with ourculture and approach to community banking. We also expanded our insurance business duringthe year with the acquisition of Ellerbee InsuranceAgency. This addition strengthens our ColonyInsurance footprint with two additional locationsand an experienced team, allowing us to servemore customers while further diversifying ourrevenue streams. These efforts come at a time when industryconsolidation continues to reshape the bankinglandscape. These periods of change oftencause customers to reconsider their bankingrelationships. That creates opportunity. ColonyBank operates in dynamic ma