Q4 2025 Colony Bankcorp Inc Earnings Call Transcript
Key Points
- Colony Bankcorp Inc (CBAN) reported strong operating performance in the fourth quarter of 2025, with an increase in operating net income of $675,000 compared to the third quarter.
- The company successfully completed the legal close of the TC Federal merger, with systems conversion on track for the first quarter of 2026.
- Colony Bankcorp Inc (CBAN) achieved a 1% operating ROA for the 2025 fiscal year and aims for a 1.20% ROA in 2026.
- Core loan growth was 10.5% in 2025, excluding the impact of the TC Federal acquisition, with a positive outlook for 2026.
- The company declared an increase in its quarterly dividend to $0.12 per share, reflecting its commitment to shareholder returns.
- Operating expenses were higher in the fourth quarter due to not yet realizing all expected cost savings from the TC Federal acquisition.
- Charge-offs were slightly elevated in the fourth quarter, primarily from the SBSL division and marketplace loan partners.
- Organic loan growth for 2026 is expected to be at the lower end of the 8% to 12% target due to increased competition in lending.
- Nonperforming loans increased quarter-over-quarter, with $6 million of the $9 million increase attributed to the TC Federal acquisition.
- The competitive environment in the Southeast is impacting the company's ability to achieve higher growth without sacrificing margin improvement.
Good morning, ladies and gentlemen, and welcome to the Colony Bank fourth-quarter 2025 conference call. (Operator Instructions)
This call is being recorded on Thursday, January 29, 2026. I would now like to turn the conference over to Brantley Collins. Please go ahead.
Thanks, Danny. Before we get started, I would like to go through our standard disclosures. Certain statements we make on this call could be constituted as forward-looking statements within the meaning of the Securities Act of 1933 and the Securities Exchange Act of 1934. Current and prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance but involve known and unknown risks and uncertainties. Factors that could cause these differences include, but are not limited to, pandemics, variations of the company's assets, businesses, cash flows, financial condition, prospects and other results of operations.
I would also like to add that during our call today, we
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