Colony Bankcorp Inc (NYSE:CBAN)

Q2 2026 Colony Bankcorp Inc Earnings Call Transcript

Jul 23, 2026 / 01:00 PM GMT

Release Date Price: $21.57 (+4.91%)

Transcript 8-K

Key Points

Positve

Colony Bankcorp Inc (CBAN) reported an increase in operating net income by over $1.5 million from the previous quarter, driven by margin expansion and improved non-interest income.
The company achieved a 1.20% operating ROA, meeting its target after realizing cost savings.
Loan growth was strong at about 8.5% annualized for the quarter, with disciplined pricing contributing to margin growth.
The partnership with First Reliance Bank is progressing well, with integration planning underway and regulatory applications submitted.
Operating non-interest income increased by approximately $950,000, led by revenue growth across various business lines.

Negative

Total deposits declined by $76.2 million, reflecting a competitive deposit landscape and seasonal trends.
The lending environment remains competitive, with a rising rate outlook causing some softening in the loan pipeline.
Operating non-interest expenses, while reduced by $550,000, are expected to increase post-legal close with First Reliance.
Provision expenses increased slightly to $1.9 million, with net charge-offs remaining stable.
The company did not purchase any shares in its stock buyback plan during the quarter, despite viewing it as an important capital management tool.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CBAN.N - Colony Bankcorp Inc
Q2 2026 Colony Bankcorp Inc Earnings Call
Jul 23, 2026 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Thank you for standing by. My name is Frilla, and I will be your conference operator today. At this time, I would like to welcome everyone to the Colony Bank Second Quarter 2026 Conference Call. All lines have been placed on mute to open any background noise. After the speaker's remarks, there will be a question-and-answer session. If you would like to ask a question during this time, please press the star, followed by the number one on your telephone keypad. If you would like to ignore your question, please press the star button again.

Thank you. I would now like to turn the conference over to Bramley Collins, Communications Manager. You may begin.

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