Colony Bankcorp, Inc. (CBAN) Earnings
Colony Bankcorp, Inc. is expected to report next earnings on July 22, 2026 (in NaN days), with a consensus EPS estimate of $0.47. CBAN has beaten EPS estimates in 3 of its last 10 reported quarters (average surprise +2.5% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 23, 2026 | $0.45 | $0.45 | +0.0% | $40M | -0.8% |
| Mar 13, 2026 | — | $0.42 | — | $52M | — |
| Oct 22, 2025 | $0.47 | $0.47 | +0.0% | $33M | -13.3% |
| Jul 23, 2025 | $0.40 | $0.46 | +15.0% | $32M | -3.3% |
| Apr 23, 2025 | $0.40 | $0.38 | -5.0% | $30M | +0.3% |
| Mar 14, 2025 | — | $0.42 | — | $46M | — |
| Oct 23, 2024 | $0.33 | $0.32 | -3.0% | $29M | -0.3% |
| Jul 24, 2024 | $0.31 | $0.31 | +0.0% | $28M | +0.4% |
| Jan 31, 2024 | $0.32 | $0.32 | +0.0% | $43M | — |
| Oct 25, 2023 | $0.33 | $0.33 | +0.0% | $29M | +2.3% |
| Jul 26, 2023 | $0.29 | $0.33 | +13.8% | $28M | +11.8% |
| Apr 27, 2023 | $0.28 | $0.31 | +10.7% | $28M | -5.2% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 23, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
- Completed core systems conversion and customer integration post - TC federal merger, positioned to deliver premier service experience. - Operating income increased $580,000 from prior quarter, expect continued improvement post - conversion with operational efficiencies and cost savings. - Margin at 3.48%, driven by acceleration of accretion income from acquired loans. Core margin expected to increase modestly, but may be a few basis points lower next quarter without pull - forward loan accretion. - Loan growth lower in Q1 due to payoffs and lighter demand from volatile rate environment, but seeing more activity in loan pipeline, still expect 8% growth for 2026. - Credit quality improved with contraction in MPLs and decline in criticized loans. - Collingwood Financial Advisors and Colony Insurance showing strong growth and improved profitability. - SBSL added national sales manager, loan pipeline improving. - Kroll Bond Rating Agency affirmed ratings with stable outlook, reflecting capital strength and stability. - Well - positioned to capitalize on industry consolidation, focusing on capturing high - quality customer relationships.
Guidance
- Confident in scaling toward 1.20% ROA benchmark in Q2. - Expect margin may be a few basis points lower next quarter without additional lift of pull - forward loan accretion. - Still expect 8% loan growth for 2026. - Colony Insurance expects continued improvement in profitability due to rate reductions and better sales integration. - SBSL expects loan pipeline to improve and revenues to trend toward previous levels.
Segment performance
Operating income increased $580,000 from prior quarter. Operating net income was $9.5 million in first quarter. Operating pre-provision net revenue increased approximately $1.3 million to $13.9 million. Net interest income increased approximately $3.3 million. Net interest margin was 3.48%, up 16 basis points. Interest-earning assets component up 13 basis points to 5.33%, interest-bearing liabilities down 3 basis points to 2.28%. Cost of funds decreased 2 basis points to 1.94%. Operating non-interest income was $10.7 million. Operating non-interest expenses $26 million. Provision expense $1.75 million, slightly increased from prior quarter. Loan total for investment increased $32.2 million, or around 5.4% annualized. Total deposits declined slightly by $19 million. Total share repurchases were about $89,000 at an average price of $19.78. Board declared quarterly cash dividend $0.12 per share. AMCI improved quarter over quarter. TCE was 8.49%, tangible book value per share $14.65. Mortgage: pre-tax income $222,000 vs $31,000 in Q1 2025, better volume and margins but facing interest rate and housing inventory challenges. Complementary business loans: strong quarter, pre-tax income improved vs Q1 2025. Collingwood Financial Advisors: best quarter to date, AUM $555 million at end of quarter, up from $198 million in Q1 2025, strong recruiting and broker-dealer relationship change led to higher profitability. Colony Insurance: best quarter to date for pre-tax income, strong referrals from bank, recent rate reductions expected to drive more policy volume. SBSL: lighter quarter due to lower revenue and charge-off variability, loan pipeline improving, added national sales manager.
Risks & headwinds
- Pandemics, variations in company's assets, businesses, cash flows, financial conditions, prospects, and other results of operations could impact forward - looking statements. - Industry consolidation creates disruptions, but also unique tailwinds; however, competition in loan pricing could impact yields. - Interest rate fluctuations and housing inventory challenges could impact mortgage business. - Variability in charge - offs for SBSL, although not seeing significant increases currently.
Analyst Q&A
Q: From small business SPSL segment, is it key driver of low loss provisioning level, and loan pipeline outlook?
A: Volumes expected to pick back up, provisioning and charge - off levels to be managed with allowance backfilling, loan growth expected to increase in future quarters.
Q: Best opportunities to grow loan portfolio and current pricing?
A: Competitive pricing, around 7.11% for quarter, seeing opportunities in commercial real estate and commercial business side, yields expected to come down slightly with growth but committed to good pricing.
Q: Insurance group contribution and profitability outlook?
A: Added LOV agency, integrated better sales platform, seen uptick in referrals, expect continued improvement in pre - tax profitability with rate decreases and better integration.
Q: Merchant services business and impact on deposits and spread?
A: Merchant services a great deposit acquisition tool, banking solutions integration simplifies interaction, leads to quick relationship wins, recurring revenue business.
Q: Loan pricing outlook and expense efficiency?
A: Possibility of loan yield increase with repricing, expense efficiency focus with net NIE expected to trend toward 1.45%, merger expenses rolling off, variable expenses may increase seasonally but expect overall improvement.
Q: Post - TC Federal acquisition target sites?
A: Focus on Georgia and contiguous states, active in having conversations with management teams for strategic deals with good cultural fit, seeking alignment for more profitability, scale, and additional products/services.