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Colony BankcorpCBAN -0.52%58 Equity-to-Asset is 0.11 as of Jun. 2026, which is 38% above its 10-year median of 0.08. GuruFocus rates CBAN with a GF Score™ of 58/100 and a GF Value™ of $18.48 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,518 Banks companies, Colony Bankcorp ranks better than 63.9% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Colony Bankcorp's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $390.0 Mil. Colony Bankcorp's Total Assets for the quarter that ended in Jun. 2026 was $3,627.6 Mil.
Therefore, Colony Bankcorp's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.11.
The historical rank and industry rank for Colony Bankcorp's Equity-to-Asset or its related term are showing as below:
CBAN'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.08 Max: 0.11
Current: 0.11
During the past 13 years, the highest Equity to Asset Ratio of Colony Bankcorp was 0.11. The lowest was 0.07. And the median was 0.08.
CBAN's Equity-to-Asset is ranked better than 63.9% of 1518
companies
in the Banks industry
Industry Median: 0.1
vs CBAN: 0.11
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Colony Bankcorp Equity-to-Asset Related Terms
Colony Bankcorp Equity-to-Asset Historical Data
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The historical data trend for Colony Bankcorp's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CBAN vs CZNC, RBB, FRBA: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Colony Bankcorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Colony Bankcorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Colony Bankcorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Colony Bankcorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Colony Bankcorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Colony Bankcorp (CBAN) has a Equity-to-Asset of 0.11 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Colony Bankcorp and its competitors. This is 38% above median its historical median of 0.08. Over the past decade, Colony Bankcorp's Equity-to-Asset has ranged from 0.07 to 0.11. According to the industry distribution chart, Colony Bankcorp ranks #548 out of 1518 companies in the Banks industry, placing it in the top 36.1%.
Is Colony Bankcorp's Equity-to-Asset too high?
Colony Bankcorp's current Equity-to-Asset of 0.11 is 38% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Colony Bankcorp's value of 0.11 is 10% above this industry median. Based on the distribution chart, Colony Bankcorp ranks #548 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, Colony Bankcorp has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Colony Bankcorp's Equity-to-Asset compare to CZNC and RBB?
According to the Banks industry distribution chart, Colony Bankcorp ranks #548 out of 1518 companies for Equity-to-Asset. This puts Colony Bankcorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Colony Bankcorp's value of 0.11 is 10% above this benchmark. Historically, Colony Bankcorp's own Equity-to-Asset has ranged from 0.07 to 0.11 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, Colony Bankcorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Colony Bankcorp's current Equity-to-Asset of 0.11 is 10% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Colony Bankcorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Colony Bankcorp's current Equity-to-Asset is 0.11, which is 38% above median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Colony Bankcorp stock overvalued right now?
Based on GuruFocus' analysis, Colony Bankcorp (CBAN) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.48, compared to a current price of $21.20 — trading 14.7% above its estimated fair value. The current Equity-to-Asset is 0.11, which is 38% above median its 10-year median of 0.08 and 10% above the Banks industry median of 0.10. Colony Bankcorp's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Colony Bankcorp (CBAN), the current Equity-to-Asset is 0.11 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Colony Bankcorp (CBAN) Overvalued in 2026?
Based on GuruFocus' analysis, Colony Bankcorp stock appears to be overvalued.
The current stock price of $21.20 is trading 14.7% above its estimated GF Value™ of $18.48.
GuruFocus considers Colony Bankcorp to be Modestly Overvalued.
Key valuation signals for CBAN:
Equity-to-Asset: 0.11 (38% above median its 10-year median of 0.08)
GF Value™: $18.48 vs. price of $21.20 (14.7% above fair value)
Industry Position: 10% above the Banks median (#548 of 1518)
No single metric tells the full story. See the CBAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Colony Bankcorp Inc is a bank holding company. The bank provides a broad range of banking services to its retail and commercial customers. Its product line includes loans to small and medium-sized businesses, residential and commercial construction and land development loans, commercial real estate loans, agri-business and production loans, residential mortgage loans, consumer loans, and a variety of demand, savings, and time deposit products. The company's segments include the Banking Division, Retail Mortgage Division and small business specialty lending divisions. It generates maximum revenue from the Banking Division.
58GF Score
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