Colony Bank
Colony Bank is a publicly traded community bank holding company (NYSE: CBAN) founded in 1975 in Fitzgerald, Georgia, serving individuals and small-to-medium businesses in Georgia, Alabama, and Florida with deposit products, commercial and consumer lending, SBA/USDA specialty lending, Treasury Solutions, insurance, and wealth advisory services.
- Company typePublic
- Founded1975
- HeadquartersFitzgerald, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Colony Bank does
Colony Bank is a publicly traded community bank holding company headquartered in Fitzgerald, Georgia, founded in 1975 and listed on the NYSE under ticker CBAN. The company operates a full-service regional bank serving individuals and small-to-medium businesses across Georgia, Alabama, and Florida, with a pending expansion into South Carolina via the First Reliance Bancshares merger expected to close in Q4 2026. Core product offerings include personal and business deposit accounts, consumer and commercial lending, mortgage origination, SBA and USDA government-backed specialty lending (where Colony holds Preferred Lender Status), Treasury Solutions cash management, merchant services, insurance through its Colony Insurance subsidiary (with Allstate as the carrier partner), and wealth advisory through a partnership with Ameriprise Financial Services.
The company's technology platform centers on a digital banking system with iOS and Android mobile apps, online banking portals, mobile deposit, Zelle peer-to-peer payments, QuickBooks Web Connect integration, and the FLASH self-service working capital loan origination platform that supports online SBA-backed loans up to $150,000. Security infrastructure includes 128-bit encryption and Extended Validation SSL certificates. The underlying business model is a traditional spread-based community bank generating revenue primarily through net interest income (the spread between loan yields and deposit costs), supplemented by non-interest fee income from deposit accounts, loan origination, merchant services, insurance commissions, and wealth management, plus mortgage banking transaction revenue.
Colony is pursuing an aggressive acquisition-led growth strategy, completing the TC Bancshares merger in December 2025 (creating a ~$3.7B-asset entity) and announcing the First Reliance Bancshares acquisition in June 2026 for ~$163 million (80% stock, 20% cash), which is projected to deliver ~20% EPS accretion by 2027 and 35% cost savings relative to First Reliance's noninterest expense base. The combined entity post-First Reliance would have approximately $5B in total assets, $4B in deposits, and $3.2B in loans across four Southeast states. The bank's Small Business Specialty Lending division provides dedicated USDA Business Development and Business Development Officer coverage across multiple states, supported by KBRA credit ratings of BBB/BBB-/BBB+ with a stable outlook affirmed in March 2026.
Colony Bank firmographics
Firmographics- Name
- Colony Bank
- Legal name
- Colony Bankcorp, Inc.
- Website
- https://colony.bank
- Company type
- Public
- Founded year
- 1975
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Colony Bank is a publicly traded community bank holding company (NYSE: CBAN) founded in 1975 in Fitzgerald, Georgia, serving individuals and small-to-medium businesses in Georgia, Alabama, and Florida with deposit products, commercial and consumer lending, SBA/USDA specialty lending, Treasury Solutions, insurance, and wealth advisory services.
- Ownership category
- akta.pro rank
Colony Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)
- akta.pro secondary industries
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SME Commercial Real Estate (CRE) Lending (FSABABAG)
Keywords
Where Colony Bank is headquartered
LocationHeadquarters
- HQ city
- Fitzgerald
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
Colony Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Net Interest Income: Traditional banking revenue from interest earned on loans and securities minus interest paid on deposits. Primary revenue driver representing the spread between lending rates and deposit costs.
- Non-Interest Income: Fee income from deposit accounts, loan origination fees, merchant services, wealth management, and insurance commissions. Insurance segment includes property & casualty and life insurance products through Colony Insurance subsidiary.
- Mortgage Banking: Revenue from mortgage originations including construction loans, lot loans, and nationwide mortgage services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Checking Accounts |
| Unit Pricing | Monthly | FLASH Working Capital Loans |
| Unit Pricing | Monthly | SBA 7(a) Loans |
| Unit Pricing | Monthly | USDA Business & Industry Loans |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
Colony Bank product offering
Product offeringCore offering
Colony Bank is a community-focused regional bank that provides personal and business deposit accounts (checking, savings, money market, CDs), consumer and commercial lending (mortgages, auto, personal loans, commercial real estate, working capital), specialized SBA and USDA government-guaranteed small business lending, Treasury Solutions and Merchant Services cash management, and property and casualty and life insurance through its Colony Insurance subsidiary. Services are delivered through a physical branch network across the Southeast U.S. supplemented by online and mobile banking channels.
Product overview
Colony Bank is a community-focused regional bank offering a comprehensive suite of banking products and services through a unified digital and branch banking platform. The core offerings include personal and business deposit accounts (checking and savings), consumer and commercial lending (including mortgages, auto loans, and business loans), specialized Small Business Specialty Lending (SBA/USDA programs with Preferred Lender Status), Treasury Solutions for cash management, and Merchant Services for payment processing. The bank also provides insurance products through its Colony Insurance subsidiary, acquired The Ellerbee Agency (2025) for P&C expansion, and completed the TC Bancshares merger (December 2025). A pending merger with First Reliance Bancshares (Q4 2026) would expand assets to approximately $5 billion and establish operations in South Carolina. Financial advisory services are offered in partnership with Ameriprise Financial.
Differentiator
Problem solved
Functional benefit
Products and services
- Colony Bank Digital Banking Colony Bank's online and mobile banking platform providing 24/7 account access, bill payment, fund transfers, mobile deposit, e-statements, E-Alerts, Zelle peer-to-peer payments, CardCommand, and account management features for both personal and business customers.
- Personal Checking Accounts Personal checking account products including Benefits Account, Colony One Account, Freedom Account, Convenience Interest Account, and Preferred Interest Account, with associated debit card options.
- Personal Savings Accounts Personal savings products including regular Savings Account, Money Market Account, HSA Accounts, Student Savings, Retirement/Educational accounts, and Certificates of Deposit.
- Mortgage Services Home lending solutions including purchase mortgages, construction loans, lot and small acreage loans, and nationwide mortgage services delivered by an in-house home lending team.
- Personal Lending Consumer loan products including Home Equity Line of Credit, Boat/RV/ATV loans, Auto Loans, and Credit Cards for individuals.
- Business Checking & Savings Business deposit products including Business Interest Account, Business Relationship Account, Business Advantage Account, Freedom Business Account, and Business Savings for small and medium businesses.
- Business Lending Commercial loan products including Small Business loans, Commercial Real Estate financing, Working Capital loans, Healthcare Lending, Equipment financing, and Business Credit Cards.
- Agriculture Lending Specialized agricultural financing including Agriculture Equipment loans, Livestock financing, Farm Land loans, and Crop Production loans for farm operators and ranchers.
- Small Business Specialty Lending (SBA/USDA) Government-guaranteed small business lending including SBA 7(a) and SBA 504 loan programs, USDA Business & Industry loans, USDA Community Facilities loans, and Flash Loans (working capital up to $150,000). Colony Bank holds SBA Preferred Lender Status.
- Treasury Solutions Cash management services including Information Reporting, Receivables (ACH Origination, Mobile Deposit, Remote Deposit, Merchant Services), Payables (ACH Payments, Wire Transfers, Business Bill Pay, Corporate Credit Cards), Fraud Protection (Positive Pay, ACH Positive Pay), and Liquidity Management (ICS, CDARS) for business customers.
- Merchant Services Payment processing solutions enabling businesses to accept credit, debit, and mobile payments in-store, online, or on the go, with point-of-sale systems, mobile payments, e-commerce integration, 24/7 support, and next-day funding.
- Colony Insurance Property and casualty and life insurance products offered through a wholly-owned subsidiary. Personal insurance includes Homeowners, Auto, Boat, Renters, Condo, ATV, Motorcycle, and Fixed Life Insurance. Business insurance covers workers' compensation, data security, general liability, and property coverage.
Quantifiable outcome
- Net interest margin expanded to 3.48% in Q1 2026, up 55 basis points year-over-year
- +5 more outcomes
Companies that use Colony Bank
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
Colony Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
Colony Bank partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- First Reliance Bancshares, Inc.coreDefinitive merger agreement signed June 24, 2026 for Colony to acquire 100% of First Reliance Bancshares stock for approximately $163 million in a combined stock-and-cash transaction (80% stock, 20% cash). Creates transformational Southeast banking partnership with combined assets of approximately $5 billion, deposits of $4 billion, and loans of $3.2 billion. Expected to close Q4 2026 pending regulatory and shareholder approvals.
- TC Bancshares, Inc.coreCompleted merger effective December 1, 2025. Cash or stock exchange transaction increased Colony's assets to approximately $3.7 billion, expanding presence in Georgia and Florida markets.
- The Ellerbee AgencyminorAcquisition of Allstate-appointed P&C insurance agency integrated into Colony Insurance subsidiary. Includes two Georgia locations and 11 agents led by Sean Ellerbee. Expected to be EPS accretive.
- Allstate Insurance CompanycoreColony Insurance, a wholly-owned subsidiary, offers Allstate insurance products including homeowners, auto, life, boat, renters, condo, ATV, and motorcycle insurance. Products provided through Allstate Insurance Company.
- Ameriprise Financial Services, LLCminorInvestment and financial advisory services offered through Ameriprise partnership for customers seeking wealth management and investment products.
- U.S. Small Business Administration (SBA)corePreferred SBA Lender offering 7(a) and 504 loan programs. SBA backing enables competitive terms and faster processing for small business borrowers.
- U.S. Department of Agriculture (USDA)coreUSDA Business & Industry and Community Facilities guaranteed loan programs for rural business development and community facilities.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
Colony Bank competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Colony Bank social profiles
Digital presenceColony Bank compliance and trust
Trust signalCompliance1 record
Colony Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Colony Bank leadership team
Management profileNumber of profiles
Profiles12 records
Colony Bank subsidiaries and ownership
Company hierarchySubsidiaries4 records
Colony Bank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Colony Bank M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Colony Bank
What does Colony Bank do?
Colony Bank is a community-focused regional bank that provides personal and business deposit accounts (checking, savings, money market, CDs), consumer and commercial lending (mortgages, auto, personal loans, commercial real estate, working capital), specialized SBA and USDA government-guaranteed small business lending, Treasury Solutions and Merchant Services cash management, and property and casualty and life insurance through its Colony Insurance subsidiary. Services are delivered through a physical branch network across the Southeast U.S. supplemented by online and mobile banking channels.
Is Colony Bank a public or private company?
Colony Bank is a public company. It is classified as public and is currently operating.
When was Colony Bank founded?
Colony Bank was founded in 1975. It employs 251 to 500 people.
Where is Colony Bank based?
Colony Bank is headquartered in Fitzgerald, United States, in the North America region.
How does Colony Bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and mortgage Banking.
Does Colony Bank have an API?
No public API is recorded for Colony Bank.
What industry is Colony Bank in?
Colony Bank's product category is Community Banking. Its primary akta.pro industry code is FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 522110 and its SIC code is 6022.