Form 8-K

8-K — COLONY BANKCORP INC

Accession: 0001104659-26-085809

Filed: 2026-07-22

Period: 2026-07-22

CIK: 0000711669

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — cban-20260722x8k.htm (Primary)

EX-99.1 (cban-20260722xex99d1.htm)

EX-99.2 (cban-20260722xex99d2.htm)

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8-K

8-K (Primary)

Filename: cban-20260722x8k.htm · Sequence: 1

COLONY BANKCORP, INC._July 22, 2026

0000711669false00007116692026-07-222026-07-22

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 22, 2026

COLONY BANKCORP, INC.

(Exact name of registrant as specified in its charter)

Georgia

001-42397

58-1492391

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

115 South Grant Street, Fitzgerald, Georgia 31750

(Address of principal executive offices) (Zip Code)

(229) 426-6000

(Registrant's telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each Class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, par value $1.00 per share

CBAN

The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operation and Financial Condition

On July 22, 2026, Colony Bankcorp, Inc. issued a press release announcing its consolidated financial results for the second quarter ended June 30, 2026, as well as the announcement of a regular quarterly cash dividend. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 7.01. Regulation FD Disclosure

The Company is furnishing a copy of its most recent investor presentation, which it intends to use in connection with certain community group presentations. A copy of the presentation materials to be used by the Company is furnished as Exhibit 99.2 to this Current Report and is incorporated herein by reference. The Company will also host an investor earnings call at 9:00 a.m. ET on Thursday, July 23, 2026.

In accordance with General Instruction B.2 of Form 8-K, the information in this Current Report on Form 8-K, including Exhibits 99.1 and 99.2 attached hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits

(d)

Exhibits.

Exhibit Number

Description

99.1

Colony Bankcorp, Inc., press release dated July 22, 2026

99.2

Investor Presentation dated July 22, 2026

104

Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

COLONY BANKCORP, INC.

Date: July 22, 2026

By:

/s/ Derek Shelnutt

Derek Shelnutt

Executive Vice President and Chief Financial Officer

EX-99.1

Filename: cban-20260722xex99d1.htm · Sequence: 2

Exhibit 99.1

For additional information, contact:

Derek Shelnutt

EVP & Chief Financial Officer

229-426-6000, extension 6119

COLONY BANKCORP, INC. REPORTS SECOND QUARTER 2026 RESULTS

DECLARES QUARTERLY CASH DIVIDEND OF $0.12 PER SHARE

FITZGERALD, GA. (July 22, 2026) – Colony Bankcorp, Inc. (NYSE: CBAN) (“Colony” or the “Company”) today reported financial results for the second quarter of 2026. Financial highlights are shown below.

Financial Highlights:

● Net income increased to $10.9 million, or $0.51 per diluted share, for the second quarter of 2026, compared to $8.2 million, or $0.39 per diluted share, for the first quarter of 2026, and $8.0 million, or $0.46 per diluted share, for the second quarter of 2025.

● Operating net income was $11.0 million, or $0.52 of operating earnings per diluted share, for the second quarter of 2026, compared to $9.5 million, or $0.45 of operating earnings per diluted share, for the first quarter of 2026, and $8.0 million, or $0.46 of operating earnings per diluted share, for the second quarter of 2025. (See Reconciliation of Non-GAAP Measures).

● Provision for credit losses of $1.90 million was recorded in the second quarter of 2026 compared to $1.75 million in the first quarter of 2026, and $450,000 in the second quarter of 2025.

● Total loans, excluding loans held for sale, were $2.46 billion at June 30, 2026, an increase of $51.4 million, or 2.13%, from the prior quarter.

● Total deposits were $2.97 billion and $3.05 billion at June 30, 2026 and March 31, 2026, respectively, a decrease of $76.2 million.

● Mortgage production was $115.4 million, and mortgage sales totaled $67.3 million in the second quarter of 2026 compared to $88.5 million and $61.4 million, respectively, for the first quarter of 2026.

● Small Business Specialty Lending (“SBSL”) closed $13.0 million in Small Business Administration (“SBA”) loans and sold $5.5 million in SBA loans in the second quarter of 2026 compared to $13.1 million and $10.4 million, respectively, for the first quarter of 2026.

The Company also announced that on July 22, 2026, the Board of Directors declared a quarterly cash dividend of $0.12 per share, to be paid on its common stock on August 19, 2026, to shareholders of record as of the close of business on August 5, 2026. The Company had 21,221,503 shares of its common stock outstanding as of July 20, 2026.

“We are pleased with our second quarter financial performance, which reflects continued improvement in net interest margin, noninterest income, and operating expenses,” said Heath Fountain, Chief Executive Officer. “Our team has done a great job capturing efficiencies following the TC Federal integration, and we are well-positioned to maximize the earnings power of our balance sheet. On an operating basis, we successfully achieved our target return on average assets of 1.20%, and we are confident in our ability to maintain this level of performance moving forward.”

“We were also proud to announce our strategic partnership with First Reliance during the quarter and both leadership teams recognize the significant opportunities this combination creates for scalable, long-term growth. Our teams are making progress on merger related milestones, and we remain on track for a legal close in the fourth quarter of this year.”

“Loan growth accelerated during the quarter, landing within the lower end of our annualized 8% to 12% target range. This growth served as a driver of our margin expansion, supported by disciplined pricing on new production and renewals, alongside a well-managed cost of funds. While total deposits experienced a slight decline - consistent with our historical seasonal patterns for this time of year - our team remains focused on expanding primary deposit relationships in what remains a highly competitive funding environment.

“Overall, we see significant runway for continued performance improvement as our team executes on our strategic initiatives and delivers a superior level of service to our customers and communities.”

Balance Sheet

● Total assets were $3.63 billion at June 30, 2026, a decrease of $93.0 million from March 31, 2026.

● Total loans, excluding loans held for sale, were $2.46 billion at June 30, 2026, an increase of $51.4 million from March 31, 2026.

● Total deposits were $2.97 billion and $3.05 billion at June 30, 2026 and March 31, 2026, respectively, a decrease of $76.2 million. Decreases were seen in noninterest-bearing demand deposits of $31.2 million, interest-bearing demand deposits of $27.2 million and savings and money market deposits of $26.5 million while time deposits increased $8.7 million, from March 31, 2026 to June 30, 2026.

● Total borrowings at June 30, 2026 totaled $233.2 million, a decrease of $25.0 million compared to March 31, 2026.

Capital

● Colony continues to maintain a strong capital position, with ratios that exceed regulatory minimums required to be considered as “well-capitalized.”

● Preliminary tier one leverage ratio, tier one capital ratio, total risk-based capital ratio and common equity tier one capital ratio were 10.20%, 13.87%, 16.18%, and 12.96%, respectively, at June 30, 2026.

Second Quarter and Six-Months 2026 Results of Operations

● Net interest income, on a tax-equivalent basis, totaled $30.0 million for the second quarter ended June 30, 2026 compared to $22.6 million for the same period in 2025. Net interest income, on a tax-equivalent basis, totaled $59.4 million for the six months ended June 30, 2026 compared to $43.7 million for the same period in 2025. For both periods, increases occurred in income on interest earning assets which was partially offset by increases in expense on interest bearing liabilities. Income on interest earning assets increased $8.9 million to $45.9 million for the second quarter of 2026 compared to the same period in 2025. Expense on interest bearing liabilities increased $1.5 million to $15.9 million for the second quarter of 2026 compared to the same period in 2025. Income on interest earning assets increased $18.2 million to $91.0 million for the six months ended 2026 compared to the same period in 2025. Expense on interest bearing liabilities increased $2.6 million to $31.6 million for the six months ended 2026 compared to the same period in 2025.

● Net interest margin for the second quarter of 2026 was 3.52% compared to 3.12% for the second quarter of 2025. Net interest margin for the six months ended June 30, 2026 was 3.50% compared to 3.02% for the six months ended June 30, 2025. The increase for both periods was impacted by the Company’s acquisition of TC Bancshares, Inc. in the fourth quarter of 2025, and was also impacted by increases in interest earning asset yields period over period, as well as the decreased cost of funds.

● Noninterest income totaled $12.2 million for the second quarter of 2026, an increase of $2.1 million, or 20.4%, compared to the same period in 2025. Noninterest income totaled $22.9 million for the six months ended June 30, 2026, an increase of $3.7 million, or 19.4%, compared to the same period in 2025. For both periods, increases occurred in service charges on deposits, mortgage fee income, interchange fees, BOLI income, which includes a tax-free gain of $706 thousand, insurance commissions and an increase in wealth advisor income included in other noninterest income, partially offset by decreases in gains on sales of SBA loans and an increase in losses on sales of securities.

● Noninterest expense totaled $26.4 million for the second quarter of 2026, compared to $22.0 million for the same period in 2025. Noninterest expense totaled $54.1 million for the six months ended June 30, 2026, compared to $42.2 million for the same period in 2025. Increases for both periods occurred in salaries and employee benefits, occupancy and equipment, information technology expenses, professional fees, advertising and public relations, and acquisition and integration-related expenses related to the acquisition of TC Bancshares, Inc. which occurred in the fourth quarter of 2025 as well as expenses related to the recently announced merger with First Reliance Bancshares, Inc.

Asset Quality

● Nonperforming assets totaled $20.9 million and $19.9 million at June 30, 2026 and March 31, 2026, respectively, an increase of $1.0 million.

● Other real estate owned and repossessed assets totaled $2.0 million at June 30, 2026 and $2.1 million at March 31, 2026.

● Net loans charged-off were $1.8 million, or 0.29% of average loans for the second quarter of 2026, compared to $1.7 million, or 0.29% for the first quarter of 2026.

● The credit loss reserve was $22.0 million, or 0.89% of total loans, at June 30, 2026, compared to $21.7 million, or 0.90% of total loans at March 31, 2026.

Earnings call information

The Company will host an earnings conference call at 9:00 a.m. ET on Thursday, July 23, 2026, to discuss the recent results and answer relevant questions. The conference call can be accessed by dialing 1-800-715-9871 and using the Conference ID: 1567957. A replay of the call will be available until Thursday, July 30, 2026. To listen to the replay, dial 1-800-770-2030 and enter the passcode 1567957#.

About Colony Bankcorp

Colony Bankcorp, Inc. is the bank holding company for Colony Bank. Founded in Fitzgerald, Georgia in 1975, Colony operates locations throughout Georgia as well as in Birmingham, Alabama, and across North Florida, including Tallahassee, Jacksonville, and the Florida Panhandle. Colony Bank provides a consultative approach in offering a range of banking solutions for personal and business customers. In addition to traditional banking services, Colony Bank provides specialized solutions including mortgage lending, government-guaranteed lending, consumer insurance, wealth management, credit cards and merchant services. Colony Bankcorp’s common stock is traded on the New York Stock Exchange (“NYSE”) under the symbol “CBAN.” For more information, please visit www.colony.bank. You can also follow the Company on social media.

Forward-Looking Statements

Certain statements contained in this press release that are not statements of historical fact constitute “forward-looking statements” within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In addition, certain statements may be contained in the Company’s future filings with the Securities and Exchange Commission (the “SEC”), in press releases, and in oral and written statements made by or with the approval of the Company that are not statements of historical fact and constitute “forward-looking statements” within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Examples of forward-looking statements include, but are not limited to: (i) projections and/or expectations of revenues, income or loss, earnings or loss per share, the payment or nonpayment of dividends, capital structure and other financial items; (ii) statement of plans and objectives of Colony Bankcorp, Inc. or its management or Board of Directors, including those relating to products or services; (iii) statements of future economic performance; (iv) statements regarding growth strategy, capital management, liquidity and funding, and future profitability; (v) statements relating to the timing, benefits, costs, and synergies of the recently announced acquisition of First Reliance Bancshares, Inc. (“First Reliance”) (the “Merger”), and (vi) statements of assumptions underlying such statements. Words such as “may”, “will”, “anticipate”, “assume”, “should”, “support”, “indicate”, “would”, “believe”, “contemplate”, “expect”, “estimate”, “continue”, “further”, “plan”, “point to”, “project”, “could”, “intend”, “target” and similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying such statements.

Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve known and unknown risks and uncertainties. Factors that might cause such differences include, but are not limited to: the impact of current and future economic conditions, particularly those affecting the financial services industry, including the effects of declines in the real estate market, tariffs or trade wars (including the resulting reduced consumer spending, lower economic growth or recession, reduced demand for U.S. exports, disruptions to supply chains, and decreased demand for other banking products and services), high unemployment rates, inflationary pressures, changes in interest rates (including the impact of volatile interest rates on our financial projections and models) and slowdowns in economic growth, as well as the financial stress on borrowers as a result of the foregoing; the risk of reductions in benchmark interest rates and the resulting impacts on net interest income; potential impacts of adverse developments in the banking industry highlighted by high-profile bank failures, including impacts on customer confidence, deposit outflows, liquidity and the regulatory response thereto; risks arising from negative media coverage and perceived instability in the banking industry and the banking sector; the risks of changes in interest rates and their effects on the level, cost, and composition of, and competition for, deposits, loan demand and timing of payments, the values of loan collateral, securities, and interest sensitive assets and liabilities; the ability to attract new or retain existing deposits, to retain or grow loans or additional interest and fee income, or to control noninterest expense; the effect of pricing pressures on the Company’s net interest margin; the failure of assumptions underlying the establishment of reserves for possible credit losses, fair value for loans and other real estate owned; changes in real estate values;

the Company’s ability to implement its various strategic and growth initiatives; increased competition in the financial services industry, particularly from regional and national institutions, as well as fintech companies and other non-bank financial service providers offering digital, automated or alternative financial products and services; economic conditions, either nationally or locally, in areas in which the Company conducts operations being less favorable than expected; changes in the prices, values and sales volumes of residential and commercial real estate; developments in our mortgage banking business, including loan modifications, general demand, and the effects of judicial or regulatory requirements or guidance; legislation or regulatory changes which adversely affect the ability of the consolidated Company to conduct business combinations or new operations; adverse results from current or future litigation, regulatory examinations or other legal and/or regulatory actions, including as a result of the Company’s participation in and execution of government programs, those related to credit card interest rates, and legislative, regulatory or supervisory actions related to so-called “de-banking,” including any new prohibitions, requirements or enforcement priorities that could affect customer relationships, compliance obligations, or operational practices; significant turbulence or a disruption in the capital or financial markets and the effect of a fall in the stock market prices on our investment securities; significant volatility in the markets for equity, fixed income and other asset classes globally or within specific markets; the effects of war or other conflicts, including the ongoing conflicts in the Middle East; major political shifts domestically or internationally (including the potential for retaliatory actions by governments, market participants or clients based on diverging perspectives or otherwise); general risks related to the Company’s merger and acquisition activity, including risks associated with integrating and realizing the expected financial benefits of previous or pending acquisitions, and the Company’s pursuit of future acquisitions; risks associated with the recent Merger, including the risk that the cost savings and any revenue synergies may not be realized or take longer than anticipated to be realized as well as disruption with customers, suppliers, employee or other business partners relationships; the risk of successful integration of First Reliance’s business into the Company; the reaction of each of the Company’s and First Reliance’s customers, suppliers, employees or other business partners to the Merger; the risk that the integration of First Reliance’s operations into the operations of the Company will be materially delayed or will be more costly or difficult than expected; the timing and achievement of expected cost reductions following the Merger; the timing and achievement of the recovery of the reduction of tangible book value resulting from the Merger; general competitive, economic, political, and market conditions; the impact of emerging technologies, such as generative artificial intelligence; fraud or misconduct by internal or external actors, and system failures, cybersecurity threats or security breaches and the cost of defending against them; a deterioration of the credit rating for U.S. long-term sovereign debt, actions that the U.S. government may take to avoid exceeding the debt ceiling, and uncertainties surrounding debt ceiling and the federal budget; and general competitive, economic, political and market conditions or other unexpected factors or events. These and other factors, risks and uncertainties could cause the actual results, performance or achievements of the Company to be materially different from the future results, performance or achievements expressed or implied by such forward-looking statements. Many of these factors are beyond the Company’s ability to control or predict.

Forward-looking statements speak only as of the date on which such statements are made. These forward-looking statements are based upon information presently known to the Company’s management and are inherently subjective, uncertain and subject to change due to any number of risks and uncertainties, including, without limitation, the risks and other factors set forth in the Company’s filings with the Securities and Exchange Commission, the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, under the captions “Cautionary Note Regarding Forward-Looking Statements” and “Risk Factors,” and in the Company’s quarterly reports on Form 10-Q and current reports on Form 8-K. The Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which such statement is made, or to reflect the occurrence of unanticipated events, except as required by applicable law. Readers are cautioned not to place undue reliance on these forward-looking statements.

Additional Information About the Proposed Merger and Where to Find It

This document does not constitute an offer to sell or the solicitation of an offer to buy any securities, or a solicitation of any vote or approval, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction. In connection with the proposed merger, the Company will file with the SEC a registration statement on Form S-4 that will include a joint proxy statement of First Reliance Bancshares, Inc. (“First Reliance”) and the Company and a prospectus of the Company, as well as other relevant documents concerning the proposed transaction. WE URGE INVESTORS AND SECURITY HOLDERS TO READ THE REGISTRATION STATEMENT ON FORM S-4, THE JOINT PROXY STATEMENT/PROSPECTUS INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S-4 AND ANY OTHER RELEVANT DOCUMENTS TO BE FILED WITH THE SEC IN CONNECTION WITH THE PROPOSED MERGER BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT THE COMPANY, FIRST RELIANCE AND THE PROPOSED MERGER. The joint proxy statement/prospectus will be sent to the shareholders of both the Company and First Reliance seeking the required shareholder approvals. Investors and security holders will be able to obtain free copies of the registration statement on Form S-4 and the related joint proxy statement/prospectus, when filed, as well as other documents filed with the SEC by the Company through the website maintained by the SEC at www.sec.gov. Documents filed with the SEC by the Company will also be available free of charge by directing a written request to Colony Bankcorp, Inc., 115 South Grant Street, Fitzgerald, Georgia 31750, Attn: Derek Shelnutt and on the Company’s website, colony.bank, under Investor Relations. The Company’s telephone number is (229) 426-6000.

Explanation of Certain Unaudited Non-GAAP Financial Measures

The measures entitled operating noninterest income, operating noninterest expense, operating net income, operating earnings per diluted share, operating return on average assets, operating return on average equity, operating return on average tangible equity, tangible book value per common share, tangible equity to tangible assets, operating efficiency ratio, operating net noninterest expense to average assets and pre-provision net revenue are not measures recognized under U.S. generally accepted accounting principles (“GAAP”) and therefore are considered non-GAAP financial measures. The most comparable GAAP measures are noninterest income, noninterest expense, net income, diluted earnings per share, return on average assets, return on average equity, book value per common share, total equity to total assets, efficiency ratio, net noninterest expense to average assets and net interest income before provision for credit losses, respectively. Operating noninterest income excludes loss on sales of securities. Operating noninterest expense excludes acquisition-related expenses, severance costs and loss related to wire fraud incident. Operating net income, operating return on average assets, operating return on average equity, operating return on average tangible equity and operating efficiency ratio all exclude acquisition-related expenses, severance costs, loss on sales of securities and loss related to wire fraud incident from net income, return on average assets, return on average equity and efficiency ratio, respectively. Operating net noninterest expense to average assets ratio excludes from net noninterest expense, severance costs, acquisition-related expenses, loss on sales of securities and loss related to wire fraud incident. Acquisition-related expenses includes fees associated with acquisitions and vendor contract buyouts. Severance costs includes costs associated with termination and retirement of employees. Operating earnings per diluted share includes the adjustments to operating net income. Tangible book value per common share, tangible equity to tangible assets and operating return on average tangible equity exclude goodwill and other intangibles from book value per common share, total equity to total assets and return on average equity, respectively. Pre-provision net revenue is calculated by adding noninterest income to net interest income before provision for credit losses, and subtracting noninterest expense.

Management uses these non-GAAP financial measures in its analysis of the Company’s performance and believes these presentations provide useful supplemental information, and a clearer understanding of the Company’s performance, and if not provided would be requested by the investor community. The Company believes the non-GAAP measures enhance investors’ understanding of the Company’s business and performance. These measures are also useful in understanding performance trends and facilitate comparisons with the performance of other financial institutions. The limitations associated with operating measures are the risk that persons might disagree as to the appropriateness of items comprising these measures and that different companies might calculate these measures differently.

These disclosures should not be considered an alternative to GAAP. The computations of operating noninterest income, operating noninterest expense, operating net income, operating earnings per diluted share, operating return on average assets, operating return on average equity, operating return on average tangible equity, tangible book value per common share, tangible equity to tangible assets, operating efficiency ratio, operating net noninterest expense to average assets and pre-provision net revenue and the reconciliation of these measures to noninterest income, noninterest expense, net income, diluted earnings per share, return on average assets, return on average equity, book value per common share, total equity to total assets, efficiency ratio, net noninterest expense to average assets and net interest income before provision for credit losses are set forth in the table below.

Colony Bankcorp, Inc.

Reconciliation of Non-GAAP Measures

2026

2025

Second

First

Fourth

Third

Second

(dollars in thousands, except per share data)

Quarter

Operating noninterest income reconciliation

Noninterest income (GAAP)

12,158

10,692

11,047

10,091

10,098

Tax-free gain related to BOLI claim

(706)

—

Loss on sales of securities

186

—

1,039

—

Operating noninterest income

11,638

10,692

11,047

11,130

10,098

Operating noninterest expense reconciliation

Noninterest expense (GAAP)

26,431

27,674

25,709

24,612

22,004

Acquisition-related expenses

(943)

(1,637)

(1,331)

(732)

—

Loss related to wire fraud incident

—

(1,252)

—

Operating noninterest expense

25,488

26,037

24,378

22,628

22,004

Operating net income reconciliation

Net income (GAAP)

10,857

8,204

7,843

5,819

7,978

Acquisition-related expenses

943

1,637

1,331

732

—

Loss related to wire fraud incident

—

1,252

—

Tax-free gain related to BOLI claim

(706)

—

Loss on sales of securities

186

—

1,039

—

Income tax benefit

(244)

(356)

(269)

(612)

—

Operating net income

11,036

9,485

8,905

8,230

7,978

Weighted average diluted shares

21,160,128

21,222,237

18,729,511

17,461,434

17,448,945

Operating earnings per diluted share

0.52

0.45

0.48

0.47

0.46

Operating return on average assets reconciliation

Return on average assets (GAAP)

1.18

0.90

0.93

0.75

1.02

Acquisition-related expenses

0.10

0.18

0.15

0.10

—

Loss related to wire fraud incident

—

0.16

—

Tax-free gain related to BOLI claim

(0.07)

—

Loss on sales of securities

0.02

—

0.13

—

Tax effect of adjustment items

(0.03)

(0.04)

(0.03)

(0.08)

—

Operating return on average assets

1.20

1.04

1.05

1.06

1.02

Operating return on average equity reconciliation

Return on average equity (GAAP)

11.33

8.77

9.49

7.80

11.14

Acquisition-related expenses

0.98

1.74

1.62

0.98

—

Loss related to wire fraud incident

—

1.68

—

Tax-free gain related to BOLI claim

(0.74)

—

Loss on sales of securities

0.19

—

1.39

—

Tax effect of adjustment items

(0.25)

(0.38)

(0.33)

(0.82)

—

Operating return on average equity

11.51

10.13

10.78

11.03

11.14

Return on average tangible equity reconciliation

Return on average equity (GAAP)

11.33

8.77

9.49

7.80

11.14

Effect of goodwill and intangibles

2.53

2.03

2.14

1.76

2.56

Return on average tangible equity

13.86

10.80

11.63

9.56

13.70

Colony Bankcorp, Inc.

Reconciliation of Non-GAAP Measures

2026

2025

Second

First

Fourth

Third

Second

(dollars in thousands, except per share data)

Quarter

Operating return on average tangible equity reconciliation

Return on average tangible equity

13.86

10.80

11.63

9.56

13.70

Acquisition-related expenses

1.20

2.16

1.97

1.20

—

Loss related to wire fraud incident

—

2.06

—

Tax-free gain related to BOLI claim

(0.90)

—

Loss on sales of securities

0.24

—

1.71

—

Tax effect of adjustment items

(0.31)

(0.47)

(0.40)

(1.01)

—

Operating return on average tangible equity

14.09

12.49

13.20

13.52

13.70

Tangible book value per common share reconciliation

Book value per common share (GAAP)

18.43

17.98

17.69

17.31

16.87

Effect of goodwill and other intangibles

(3.31)

(3.33)

(3.38)

(3.11)

(3.14)

Tangible book value per common share

15.12

14.65

14.31

14.20

13.73

Tangible equity to tangible assets reconciliation

Equity to assets (GAAP)

10.75

10.22

10.06

9.59

9.43

Effect of goodwill and other intangibles

(1.76)

(1.73)

(1.76)

(1.59)

(1.62)

Tangible equity to tangible assets

8.99

8.49

8.30

8.00

7.81

Operating efficiency ratio calculation

Efficiency ratio (GAAP)

62.89

69.37

69.65

75.06

67.74

Acquisition-related expenses

(2.25)

(4.10)

(3.61)

(1.98)

—

Loss related to wire fraud incident

—

(3.38)

—

Tax-free gain related to BOLI claim

1.06

—

Loss on sales of securities

(0.29)

—

(2.81)

—

Operating efficiency ratio

61.41

65.27

66.04

66.89

67.74

Operating net noninterest expense(1) to average assets calculation

Net noninterest expense to average assets

1.55

1.86

1.73

1.86

1.52

Acquisition-related expenses

(0.10)

(0.18)

(0.15)

(0.09)

—

Loss related to wire fraud incident

—

(0.16)

—

Tax-free gain related to BOLI claim

0.08

—

Loss on sales of securities

(0.02)

—

(0.13)

—

Operating net noninterest expense to average assets

1.51

1.68

1.58

1.48

1.52

Pre-provision net revenue

Net interest income before provision for credit losses

29,869

29,203

25,865

22,699

22,385

Noninterest income

12,158

10,692

11,047

10,091

10,098

Total income

42,027

39,895

36,912

32,790

32,483

Noninterest expense

26,431

27,674

25,709

24,612

22,004

Pre-provision net revenue

15,596

12,221

11,203

8,178

10,479

Operating pre-provision net revenue

Net interest income before provision for credit losses

29,869

29,203

25,865

22,699

22,385

Operating noninterest income

11,638

10,692

11,047

11,130

10,098

Total operating income

41,507

39,895

36,912

33,829

32,483

Operating noninterest expense

25,488

26,037

24,378

22,628

22,004

Operating pre-provision net revenue

16,019

13,858

12,534

11,201

10,479

(1) Net noninterest expense is defined as noninterest expense less noninterest income.

Colony Bankcorp, Inc.

Selected Financial Information

2026

2025

Second

First

Fourth

Third

Second

(dollars in thousands, except per share data)

Quarter

EARNINGS SUMMARY

Net interest income

29,869

29,203

25,865

22,699

22,385

Provision for credit losses

1,900

1,750

1,650

900

450

Noninterest income

12,158

10,692

11,047

10,091

10,098

Noninterest expense

26,431

27,674

25,709

24,612

22,004

Income taxes

2,839

2,267

1,710

1,459

2,051

Net income

10,857

8,204

7,843

5,819

7,978

PER COMMON SHARE

Common shares outstanding

21,158,353

21,162,104

21,251,695

17,461,284

17,416,702

Weighted average basic shares

21,160,128

21,222,237

18,729,511

17,461,434

17,448,945

Weighted average diluted shares

21,160,128

21,222,237

18,729,511

17,461,434

17,448,945

Earnings per basic share

0.51

0.39

0.42

0.33

0.46

Earnings per diluted share

0.51

0.39

0.42

0.33

0.46

Operating earnings per diluted share(b)

0.52

0.45

0.48

0.47

0.46

Cash dividends declared per share

0.1200

0.1150

Common book value per share

18.43

17.98

17.69

17.31

16.87

Tangible book value per common share(b)

15.12

14.65

14.31

14.20

13.73

Pre-provision net revenue(b)

15,596

12,221

11,203

8,178

10,479

SELECTED PERFORMANCE RATIOS:

Return on average assets

1.18

0.90

0.93

0.75

1.02

Return on average total equity

11.33

8.77

9.49

7.80

11.14

Return on average tangible equity

13.86

10.80

11.63

9.56

13.70

Efficiency ratio

62.89

69.37

69.65

75.06

67.74

Net noninterest expense to average assets

1.55

1.86

1.73

1.86

1.52

Total equity to total assets

10.75

10.22

10.06

9.59

9.43

Tangible equity to tangible assets (b)

8.99

8.49

8.30

8.00

7.81

Net interest margin (a)

3.52

3.48

3.32

3.17

3.12

OPERATING SELECTED PERFORMANCE RATIOS:

Operating return on average assets (b)

1.20

1.04

1.05

1.06

1.02

Operating return on average total equity (b)

11.51

10.13

10.78

11.03

11.14

Operating return on average tangible equity (b)

14.09

12.49

13.20

13.52

13.70

Operating efficiency ratio (b)

61.41

65.27

66.04

66.89

67.74

Operating net noninterest expense to average assets(b)

1.51

1.68

1.58

1.48

1.52

Colony Bankcorp, Inc.

Selected Financial Information

2026

2025

Second

First

Fourth

Third

Second

(dollars in thousands, except per share data)

Quarter

ASSET QUALITY

Nonperforming portfolio loans

14,289

12,619

17,190

9,082

4,760

Nonperforming SBA government loans-guaranteed portion

3,261

2,012

4,772

4,076

4,583

Nonperforming SBA government loans-unguaranteed portion

1,362

2,968

1,418

1,110

1,241

Loans 90 days past due and still accruing

178

107

Total nonperforming loans (NPLs)

18,983

17,777

23,475

14,366

10,691

Other real estate owned

1,829

1,873

1,048

710

Repossessed assets

129

205

190

160

Total nonperforming assets (NPAs)

20,941

19,855

24,713

15,236

11,422

Classified loans

33,626

39,225

40,481

24,183

25,112

Criticized loans

86,680

86,740

84,721

60,505

54,814

Net loan charge-offs (recoveries)

1,781

1,709

1,600

1,827

1,049

Allowance for credit losses to total loans

0.89

0.90

0.97

0.89

0.96

Allowance for credit losses to total NPLs

116.07

122.10

98.04

125.89

179.15

Allowance for credit losses to total NPAs

105.22

109.32

93.13

118.71

167.69

Net charge-offs (recoveries) to average loans, net

0.29

0.30

0.36

0.21

NPLs to total loans

0.77

0.74

0.99

0.71

0.54

NPAs to total assets

0.58

0.53

0.66

0.48

0.37

NPAs to total loans and foreclosed assets

0.85

0.82

1.04

0.75

0.57

ACTUAL BALANCES

Total assets

3,627,583

3,720,613

3,735,401

3,152,746

3,115,617

Loans held for sale

24,218

16,536

78,990

19,286

22,163

Loans, net of unearned income

2,464,834

2,413,465

2,381,224

2,037,056

1,993,580

Deposits

2,972,176

3,048,419

3,067,521

2,584,329

2,556,230

Total stockholders’ equity

389,966

380,403

375,920

302,332

293,857

AVERAGE BALANCES

Total assets

3,685,038

3,698,663

3,357,785

3,092,411

3,138,125

Loans held for sale

20,802

21,863

59,868

17,062

22,495

Loans, net of unearned income

2,432,676

2,399,971

2,148,729

2,024,153

1,960,025

Deposits

3,031,260

3,025,462

2,752,576

2,526,739

2,586,620

Total stockholders’ equity

384,514

379,582

327,830

296,027

287,325

(a) Computed using fully taxable-equivalent net income.

(b) Non-GAAP measure - see “Explanation of Certain Unaudited Non-GAAP Financial Measures” for more information and reconciliation to GAAP.

Colony Bankcorp, Inc.

Average Balance Sheet and Net Interest Analysis

Three Months Ended June 30,

2026

2025

Average

Income/

Yields/

Average

Income/

Yields/

(dollars in thousands)

Balances

Expense

Rates

Balances

Expense

Rates

Assets

Interest-earning assets:

Loans held for sale

20,802

367

7.08

22,495

325

5.79

Loans, net of unearned income 1

2,432,676

38,800

6.40

1,960,025

30,139

6.17

Investment securities, taxable

646,072

4,452

2.76

698,416

4,759

2.73

Investment securities, tax-exempt 2

93,939

487

2.08

93,082

492

2.12

Deposits in banks and short term investments

222,877

1,830

3.29

134,807

1,326

3.95

Total interest-earning assets

3,416,366

45,936

5.39

2,908,825

37,041

5.11

Noninterest-earning assets

268,672

229,300

Total assets

3,685,038

3,138,125

Liabilities and stockholders’ equity

Interest-bearing liabilities:

Interest-bearing demand and savings

1,711,126

6,166

1.45

1,529,608

6,310

1.65

Other time

844,296

7,071

3.36

615,303

5,322

3.47

Total interest-bearing deposits

2,555,422

13,237

2.08

2,144,911

11,632

2.18

Federal Home Loan Bank advances

171,374

1,784

4.18

185,000

1,889

4.10

Other borrowings

63,165

891

5.66

63,072

929

5.91

Total other interest-bearing liabilities

234,539

2,675

4.57

248,072

2,818

4.56

Total interest-bearing liabilities

2,789,961

15,912

2.29

2,392,983

14,450

2.42

Noninterest-bearing liabilities:

Demand deposits

475,839

441,709

Other liabilities

34,724

16,108

Stockholders’ equity

384,514

287,325

Total noninterest-bearing liabilities and stockholders’ equity

895,077

745,142

Total liabilities and stockholders’ equity

3,685,038

3,138,125

Interest rate spread

3.10

2.69

Net interest income

30,024

22,591

Net interest margin

3.52

3.12

1 The average balance of loans includes the average balance of nonaccrual loans. Income on such loans is recognized and recorded on a cash basis. Taxable-equivalent adjustments totaling $53,000 and $102,000 for the three months ended June 30, 2026 and 2025, respectively, are calculated using the statutory federal tax rate and are included in income and fees on loans. Accretion income of $1.1 million and $17,000 for the three months ended June 30, 2026 and 2025, respectively, are also included in income and fees on loans.

2 Taxable-equivalent adjustments totaling $102,000 and $103,000 for the three months ended June 30, 2026 and 2025, respectively, are calculated using the statutory federal tax rate and are included in tax-exempt interest on investment securities.

Six Months Ended June 30,

2026

2025

Average

Income/

Yields/

Average

Income/

Yields/

(dollars in thousands)

Balances

Expense

Rates

Balances

Expense

Rates

Assets

Interest-earning assets:

Loans held for sale

21,330

821

7.76

22,872

653

5.76

Loans, net of unearned income 3

2,416,413

76,368

6.37

1,915,001

57,854

6.09

Investment securities, taxable

657,385

8,989

2.76

704,322

9,595

2.75

Investment securities, tax-exempt 4

94,262

976

2.09

93,727

986

2.12

Deposits in banks and short term investments

231,613

3,823

3.33

181,651

3,648

4.05

Total interest-earning assets

3,421,003

90,977

5.36

2,917,573

72,736

5.03

Noninterest-earning assets

270,810

226,120

Total assets

3,691,813

3,143,693

Liabilities and stockholders’ equity

Interest-bearing liabilities:

Interest-bearing demand and savings

1,718,339

12,117

1.42

1,539,504

12,779

1.67

Other time

828,501

13,934

3.39

608,648

10,627

3.52

Total interest-bearing deposits

2,546,840

26,051

2.06

2,148,152

23,406

2.20

Federal Home Loan Bank advances

183,122

3,769

4.15

185,000

3,762

4.10

Other borrowings

63,153

1,779

5.68

63,060

1,856

5.94

Total other interest-bearing liabilities

246,275

5,548

4.54

248,060

5,618

4.57

Total interest-bearing liabilities

2,793,115

31,599

2.28

2,396,212

29,024

2.44

Noninterest-bearing liabilities:

Demand deposits

481,537

448,457

Other liabilities

35,100

16,062

Stockholders’ equity

382,061

282,962

Total noninterest-bearing liabilities and stockholders’ equity

898,698

747,481

Total liabilities and stockholders’ equity

3,691,813

3,143,693

Interest rate spread

3.08

2.59

Net interest income

59,378

43,712

Net interest margin

3.50

3.02

3 The average balance of loans includes the average balance of nonaccrual loans. Income on such loans is recognized and recorded on a cash basis. Taxable-equivalent adjustments totaling $101,000 and $170,000 for the six months ended June 30, 2026 and 2025, respectively, are calculated using the statutory federal tax rate and are included in income and fees on loans. Accretion income of $2.4 million and $36,000 for the six months ended June 30, 2026 and 2025, respectively, are also included in income and fees on loans.

4 Taxable-equivalent adjustments totaling $205,000 and $207,000 for the six months ended June 30, 2026 and 2025, respectively, are calculated using the statutory federal tax rate and are included in tax-exempt interest on investment securities.

Colony Bankcorp, Inc.

Segment Reporting

2026

2025

Second

First

Fourth

Third

Second

(dollars in thousands)

Quarter

Banking Division

Net interest income

28,435

28,223

24,781

21,629

21,319

Provision for credit losses

801

780

776

(371)

(330)

Noninterest income

8,777

7,131

6,996

6,144

5,969

Noninterest expenses

23,335

24,420

22,502

21,075

18,269

Income taxes

2,703

2,194

1,493

1,413

1,908

Net income

10,373

7,960

7,006

5,656

7,441

Total assets

3,521,331

3,619,249

3,625,785

3,046,699

3,010,416

Full time employees

441

426

447

383

390

Mortgage Banking Division

Net interest income

Provision for credit losses

—

Noninterest income

2,182

1,886

2,012

1,851

1,984

Noninterest expenses

1,828

1,702

1,695

2,066

1,710

Income taxes

(27)

Net income

337

170

301

(126)

249

Total assets

15,077

12,036

13,648

12,959

14,296

Variable noninterest expense(1)

659

597

984

1,229

1,157

Fixed noninterest expense

1,169

1,105

711

837

553

Full time employees

Small Business Specialty Lending Division

Net interest income

1,356

942

1,019

1,008

1,022

Provision for credit losses

1,099

970

874

1,271

780

Noninterest income

1,199

1,675

2,039

2,096

2,145

Noninterest expenses

1,268

1,552

1,512

1,471

2,025

Income taxes

136

Net income

147

536

289

288

Total assets

91,175

89,328

95,968

93,088

90,905

Full time employees

Total Consolidated

Net interest income

29,869

29,203

25,865

22,699

22,385

Provision for credit losses

1,900

1,750

1,650

900

450

Noninterest income

12,158

10,692

11,047

10,091

10,098

Noninterest expenses

26,431

27,674

25,709

24,612

22,004

Income taxes

2,839

2,267

1,710

1,459

2,051

Net income

10,857

8,204

7,843

5,819

7,978

Total assets

3,627,583

3,720,613

3,735,401

3,152,746

3,115,617

Full time employees

528

506

526

460

467

(1) Variable noninterest expense includes commission based salary expenses and volume based loan related fees.

Colony Bankcorp, Inc.

Consolidated Balance Sheets

June 30, 2026

December 31, 2025

(dollars in thousands)

(unaudited)

(audited)

ASSETS

Cash and due from banks

25,257

27,307

Interest-bearing deposits in banks and federal funds sold

134,362

230,333

Cash and cash equivalents

159,619

257,640

Investment securities available for sale, at fair value

370,821

383,817

Investment securities held to maturity, at amortized cost

365,251

386,618

Other investments

17,864

19,176

Loans held for sale

24,218

78,990

Loans, net of unearned income

2,464,834

2,381,224

Allowance for credit losses

(22,034)

(23,014)

Loans, net

2,442,800

2,358,210

Premises and equipment

37,139

37,045

Other real estate owned

1,829

1,048

Goodwill

63,047

63,873

Other intangible assets

6,971

7,851

Bank owned life insurance

68,693

68,457

Deferred income taxes, net

17,986

19,582

Other assets

51,345

53,094

Total assets

3,627,583

3,735,401

LIABILITIES AND STOCKHOLDERS’ EQUITY

Liabilities:

Deposits:

Noninterest-bearing

464,062

526,803

Interest-bearing

2,508,114

2,540,718

Total deposits

2,972,176

3,067,521

Federal Home Loan Bank advances

169,989

194,972

Other borrowed money

63,179

63,132

Accrued expenses and other liabilities

32,273

33,856

Total liabilities

3,237,617

3,359,481

Stockholders’ equity

Common stock, $1 par value; 50,000,000 shares authorized, 21,158,353 and 21,251,695 issued and outstanding, respectively

21,158

21,252

Paid in capital

227,246

228,577

Retained earnings

174,558

160,584

Accumulated other comprehensive loss, net of tax

(32,996)

(34,493)

Total stockholders’ equity

389,966

375,920

Total liabilities and stockholders’ equity

3,627,583

3,735,401

Colony Bankcorp, Inc.

Consolidated Statements of Income (unaudited)

Three months ended June 30,

Six months ended June 30,

2026

2025

2026

2025

(dollars in thousands, except per share data)

Interest income:

Loans, including fees

39,114

30,361

77,088

58,337

Investment securities

4,837

5,148

9,760

10,375

Deposits in banks and short term investments

1,830

1,326

3,823

3,648

Total interest income

45,781

36,835

90,671

72,360

Interest expense:

Deposits

13,237

11,632

26,051

23,405

Federal Home Loan Bank advances

1,784

1,889

3,769

3,762

Other borrowings

891

929

1,779

1,856

Total interest expense

15,912

14,450

31,599

29,023

Net interest income

29,869

22,385

59,072

43,337

Provision for credit losses

1,900

450

3,650

1,950

Net interest income after provision for credit losses

27,969

21,935

55,422

41,387

Noninterest income:

Service charges on deposits

2,561

2,219

5,122

4,391

Mortgage fee income

2,141

1,984

4,076

3,563

Gain on sales of SBA loans

506

1,550

1,468

2,585

Other SBA income

692

595

1,406

1,251

Loss on sales of securities

(186)

—

(186)

—

Interchange fees

2,400

2,073

4,586

4,011

BOLI income

1,217

423

1,694

819

Insurance commissions

922

766

1,766

1,235

Other

1,905

488

2,919

1,287

Total noninterest income

12,158

10,098

22,851

19,142

Noninterest expense:

Salaries and employee benefits

15,539

12,865

31,462

24,770

Occupancy and equipment

2,109

1,683

4,066

3,263

Acquisition related

943

—

2,580

—

Information technology expenses

2,902

2,592

5,675

5,069

Professional fees

939

742

2,059

1,490

Advertising and public relations

982

942

2,088

1,747

Communications

235

188

460

393

Other

2,782

2,992

5,716

5,493

Total noninterest expense

26,431

22,004

54,106

42,225

Income before income taxes

13,696

10,029

24,167

18,304

Income taxes

2,839

2,051

5,106

3,713

Net income

10,857

7,978

19,061

14,591

Earnings per common share:

Basic

0.51

0.46

0.90

0.83

Diluted

0.51

0.46

0.90

0.83

Dividends declared per share

0.1200

0.1150

0.2400

0.2300

Weighted average common shares outstanding:

Basic

21,160,128

17,448,945

21,191,011

17,478,836

Diluted

21,160,128

17,448,945

21,191,011

17,478,836

Colony Bankcorp, Inc.

Quarterly Consolidated Statements of Income

2026

2025

Second

First

Fourth

Third

Second

Quarter

(dollars in thousands, except per share data)

(unaudited)

Interest income:

Loans, including fees

39,114

37,974

34,461

31,535

30,361

Investment securities

4,837

4,923

4,543

4,518

5,148

Deposits in banks and short term investments

1,830

1,993

1,696

839

1,326

Total interest income

45,781

44,890

40,700

36,892

36,835

Interest expense:

Deposits

13,237

12,814

11,973

11,332

11,632

Federal Home Loan Bank advances

1,784

1,985

1,947

1,909

1,889

Other borrowings

891

888

915

952

929

Total interest expense

15,912

15,687

14,835

14,193

14,450

Net interest income

29,869

29,203

25,865

22,699

22,385

Provision for credit losses

1,900

1,750

1,650

900

450

Net interest income after provision for credit losses

27,969

27,453

24,215

21,799

21,935

Noninterest income:

Service charges on deposits

2,561

2,664

2,640

2,219

Mortgage fee income

2,141

1,935

2,121

1,851

1,984

Gain on sales of SBA loans

506

962

1,376

1,411

1,550

Other SBA income

692

714

663

686

595

Loss on sales of securities

(186)

—

(1,039)

—

Interchange fees

2,400

2,186

2,154

2,273

2,073

BOLI income

1,217

477

577

396

423

Insurance commissions

922

844

755

874

766

Other

1,905

1,013

737

999

488

Total noninterest income

12,158

10,692

11,047

10,091

10,098

Noninterest expense:

Salaries and employee benefits

15,539

15,923

14,115

13,532

12,865

Occupancy and equipment

2,109

1,957

1,758

1,732

1,683

Acquisition related

943

1,637

1,331

732

—

Information technology expenses

2,902

2,774

2,903

2,680

2,592

Professional fees

939

1,120

1,019

998

742

Advertising and public relations

982

1,106

1,402

1,130

942

Communications

235

224

194

218

188

Other

2,782

2,933

2,987

3,590

2,992

Total noninterest expense

26,431

27,674

25,709

24,612

22,004

Income before income taxes

13,696

10,471

9,553

7,278

10,029

Income taxes

2,839

2,267

1,710

1,459

2,051

Net income

10,857

8,204

7,843

5,819

7,978

Earnings per common share:

Basic

0.51

0.39

0.42

0.33

0.46

Diluted

0.51

0.39

0.42

0.33

0.46

Dividends declared per share

0.1200

0.1150

Weighted average common shares outstanding:

Basic

21,160,128

21,222,237

18,729,511

17,461,434

17,448,945

Diluted

21,160,128

21,222,237

18,729,511

17,461,434

17,448,945

Colony Bankcorp, Inc.

Quarterly Deposits Composition Comparison

2026

2025

Second

First

Fourth

Third

Second

(dollars in thousands)

Quarter

Noninterest-bearing demand

464,062

495,234

526,803

442,142

434,785

Interest-bearing demand

900,546

927,768

932,262

811,031

838,540

Savings and money markets

779,890

806,434

787,811

644,312

667,135

Time over $250,000

264,968

237,311

239,175

192,545

193,427

Other time

562,710

581,672

581,470

494,299

422,343

Total

2,972,176

3,048,419

3,067,521

2,584,329

2,556,230

Colony Bankcorp, Inc.

Quarterly Deposits by Location Comparison

2026

2025

Second

First

Fourth

Third

Second

(dollars in thousands)

Quarter

Augusta

29,688

22,496

18,387

—

Florida

171,594

167,406

157,056

—

Coastal Georgia

136,189

129,957

141,013

127,587

138,838

Middle Georgia

257,035

266,574

262,075

259,934

277,880

Atlanta and North Georgia

305,149

311,159

335,762

315,822

344,329

South Georgia

1,382,532

1,421,164

1,431,775

1,205,891

1,203,732

West Georgia

311,776

328,077

326,054

341,056

325,946

Brokered deposits

123,512

136,894

131,906

130,000

59,494

Reciprocal deposits

254,701

264,692

263,493

204,039

206,011

Total

2,972,176

3,048,419

3,067,521

2,584,329

2,556,230

Colony Bankcorp, Inc.

Quarterly Loan Comparison

2026

2025

Second

First

Fourth

Third

Second

(dollars in thousands)

Quarter

Core

2,011,354

1,940,583

1,885,200

1,935,648

1,887,456

Purchased

453,480

472,882

496,024

101,408

106,124

Loans, net of unearned income

2,464,834

2,413,465

2,381,224

2,037,056

1,993,580

Colony Bankcorp, Inc.

Quarterly Loans by Composition Comparison

2026

2025

Second

First

Fourth

Third

Second

(dollars in thousands)

Quarter

Construction, land & land development

285,508

309,161

302,512

240,819

238,078

Other commercial real estate

1,272,574

1,240,210

1,249,720

1,064,984

1,059,149

Total commercial real estate

1,558,082

1,549,371

1,552,232

1,305,803

1,297,227

Residential real estate

499,015

483,247

459,549

377,058

356,515

Commercial, financial & agricultural

230,364

220,933

218,532

213,274

212,872

Consumer and other

177,373

159,914

150,911

140,921

126,966

Loans, net of unearned income

2,464,834

2,413,465

2,381,224

2,037,056

1,993,580

Colony Bankcorp, Inc.

Quarterly Loans by Location Comparison

2026

2025

Second

First

Fourth

Third

Second

(dollars in thousands)

Quarter

Alabama

49,410

49,546

47,971

48,351

50,856

Florida

243,326

238,262

236,810

26,061

24,562

Augusta

85,593

84,548

85,072

92,988

95,246

Coastal Georgia

354,035

355,350

358,271

263,763

253,177

Middle Georgia

113,706

115,385

121,276

120,601

125,435

Atlanta and North Georgia

445,409

455,197

456,593

463,007

445,921

South Georgia

523,424

512,651

462,085

403,192

408,954

West Georgia

202,800

186,661

174,626

172,688

168,968

Small Business Specialty Lending

80,864

83,288

84,928

84,999

81,242

Consumer Portfolio Mortgages

258,769

236,984

263,385

270,941

262,846

Marine/RV Lending

106,823

94,775

88,852

88,968

75,649

Other

675

818

1,355

1,497

724

Loans, net of unearned income

2,464,834

2,413,465

2,381,224

2,037,056

1,993,580

Colony Bankcorp, Inc.

Classified Loans

2026

2025

Second

First

Fourth

Third

Second

(dollars in thousands)

Quarter

Construction, land & land development

381

214

1,438

1,644

126

Other commercial real estate

19,868

23,966

22,871

12,973

16,687

Residential real estate

5,870

6,160

6,115

1,503

1,222

Commercial, financial & agricultural

7,166

8,655

107

9,857

109

7,947

7,071

Consumer and other

341

230

200

116

TOTAL

33,626

278

39,225

294

40,481

297

24,183

245

25,112

214

Classified loans to total loans

1.36

1.63

1.70

1.19

1.26

Colony Bankcorp, Inc.

Criticized Loans

2026

2025

Second

First

Fourth

Third

Second

(dollars in thousands)

Quarter

Construction, land & land development

6,352

6,574

17,605

14,393

2,207

Other commercial real estate

58,023

54,522

40,073

24,934

30,034

Residential real estate

10,525

12,522

103

11,515

6,528

7,224

Commercial, financial & agricultural

11,439

12,892

114

15,197

120

14,403

15,212

Consumer and other

341

230

331

247

137

TOTAL

86,680

340

86,740

352

84,721

338

60,505

280

54,814

269

Criticized loans to total loans

3.52

3.59

3.56

2.97

2.75

Colony Bankcorp, Inc.

Quarterly Net Charge offs by Composition

2026

2025

Second

First

Fourth

Third

Second

Quarter

Construction, land & land development

(0.01)

Other commercial real estate

0.08

(0.04)

0.05

0.01

Residential real estate

0.01

(0.01)

0.02

Commercial, financial & agricultural

0.10

0.12

0.22

0.24

0.12

Consumer and other

0.12

0.08

0.13

0.08

0.06

Loans, net of unearned income

0.29

0.30

0.36

0.21

EX-99.2

Filename: cban-20260722xex99d2.htm · Sequence: 3

Exhibit 99.2

INVESTOR PRESENTATION

Second Quarter 2026

CAUTIONARY STATEMENTS

This presentation contains “forward-looking statements” within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as

amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In addition, certain statements may be contained in Colony Bankcorp, Inc.’s (the

“Company” or “Colony”) future filings with the Securities and Exchange Commission (the “SEC”), in press releases, and in oral and written statements made by or

with the approval of the Company that are not statements of historical fact and constitute “forward-looking statements” within the meaning of, and subject to

the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Examples of

forward-looking statements include, but are not limited to: (i) projections and/or expectations of revenues, income or loss, earnings or loss per share, the

payment or nonpayment of dividends, capital structure and other financial items; (ii) statement of plans and objectives of Colony Bankcorp, Inc. or its

management or Board of Directors, including those relating to products or services; (iii) statements of future economic performance; (iv) statements regarding

growth strategy, capital management, liquidity and funding, and future profitability; (v) statements relating to the timing, benefits, costs, and synergies of the

recently announced acquisition of First Reliance Bancshares, Inc. (“First Reliance”) (the “Merger”), and (vi) statements of assumptions underlying such

statements. Words such as “may”, “will”, “anticipate”, “assume”, “should”, “support”, “indicate”, “would”, “believe”, “contemplate”, “expect”, “estimate”,

“continue”, “further”, “plan”, “point to”, “project”, “could”, “intend”, “target” and similar expressions are intended to identify forward-looking statements but

are not the exclusive means of identifying such statements.

Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve known and unknown risks

and uncertainties. Factors that might cause such differences include, but are not limited to: the impact of current and future economic conditions, particularly

those affecting the financial services industry, including the effects of declines in the real estate market, tariffs or trade wars (including the resulting reduced

consumer spending, lower economic growth or recession, reduced demand for U.S. exports, disruptions to supply chains, and decreased demand for other

banking products and services), high unemployment rates, inflationary pressures, changes in interest rates (including the impact of volatile interest rates on our

financial projections and models) and slowdowns in economic growth, as well as the financial stress on borrowers as a result of the foregoing; the risk of

reductions in benchmark interest rates and the resulting impacts on net interest income; potential impacts of adverse developments in the banking industry

highlighted by high-profile bank failures, including impacts on customer confidence, deposit outflows, liquidity and the regulatory response thereto; risks arising

from negative media coverage and perceived instability in the banking industry and the banking sector; the risks of changes in interest rates and their effects on

the level, cost, and composition of, and competition for, deposits, loan demand and timing of payments, the values of loan collateral, securities, and interest

sensitive assets and liabilities; the ability to attract new or retain existing deposits, to retain or grow loans or additional interest and fee income, or to control

noninterest expense; the effect of pricing pressures on the Company’s net interest margin; the failure of assumptions underlying the establishment of reserves

for possible credit losses, fair value for loans and other real estate owned; changes in real estate values; the Company’s ability to implement its various strategic

and growth initiatives; increased competition in the financial services industry, particularly from regional and national institutions, as well as fintech companies

and other non-bank financial service providers offering digital, automated or alternative financial products and services; economic conditions, either nationally or

locally, in areas in which the Company conducts operations being less favorable than expected; changes in the prices, values and sales volumes of residential and

commercial real estate; developments in our mortgage banking business, including loan modifications, general demand, and the effects of judicial or regulatory

requirements or guidance; legislation or regulatory changes which adversely affect the ability of the consolidated Company to conduct business combinations or

new operations; adverse results from current or future litigation, regulatory examinations or other legal and/or regulatory actions, including as a result of the

Company’s participation in and execution of government programs, those related to credit card interest rates, and legislative, regulatory or supervisory actions

related to so-called "de-banking," including any new prohibitions, requirements or enforcement priorities that could affect customer relationships, compliance

obligations, or operational practices; significant turbulence or a disruption in the capital or financial markets and the effect of a fall in the stock market prices on

our investment securities; significant volatility in the markets for equity, fixed income and other asset classes globally or within specific markets; the effects of

CAUTIONARY STATEMENTS

war or other conflicts, including the ongoing conflicts in the Middle East; major political shifts domestically or internationally (including the potential for retaliatory actions

by governments, market participants or clients based on diverging perspectives or otherwise); general risks related to the Company's merger and acquisition activity,

Including risks associated with integrating and realizing the expected financial benefits of previous or pending acquisitions, and the Company’s pursuit of future

acquisitions; risks associated with the Merger, including (a) the risk that the cost savings and any revenue synergies may not be realized or take longer than anticipated to

be realized, (b) disruption with customers, suppliers, employee or other business partners relationships, (c) the risk of successful integration of First Reliance’s business

into the Company, (d) the risk of successful integration of First Reliance’s business into the Company, (e) the reaction of each of the Company's and First Reliance’s

customers, suppliers, employees or other business partners to the Merger, (f) the risk that the integration of First Reliance’s operations into the operations of the

Company will be materially delayed or will be more costly or difficult that expected, (g) the timing and achievement of expected cost reductions following the Merger, and

(h) the timing and achievement of the recovery of the reduction of tangible book value resulting from the Merger; general competitive, economic, political, and market

conditions; the impact of emerging technologies, such as generative artificial intelligence; fraud or misconduct by internal or external actors, and system failures,

cybersecurity threats or security breaches and the cost of defending against them; a deterioration of the credit rating for U.S. long-term sovereign debt, actions that the

U.S. government may take to avoid exceeding the debt ceiling, and uncertainties surrounding debt ceiling and the federal budget; and general competitive, economic,

political and market conditions or other unexpected factors or events. These and other factors, risks and uncertainties could cause the actual results, performance or

achievements of the Company to be materially different from the future results, performance or achievements expressed or implied by such forward-looking statements.

Many of these factors are beyond the Company’s ability to control or predict.

Forward-looking statements speak only as of the date on which such statements are made. These forward-looking statements are based upon information presently

known to the Company’s management and are inherently subjective, uncertain and subject to change due to any number of risks and uncertainties, including, without

limitation, the risks and other factors set forth in the Company’s filings with the Securities and Exchange Commission, the Company’s Annual Report on Form 10-K for the

year ended December 31, 2025, under the captions “Cautionary Note Regarding Forward-Looking Statements” and “Risk Factors,” and in the Company’s quarterly reports

on Form 10-Q and current reports on Form 8-K. The Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances after

the date on which such statement is made, or to reflect the occurrence of unanticipated events, except as required by applicable law. Readers are cautioned not to place

undue reliance on these forward-looking statements.

Additional Information About the Proposed Merger and Where to Find It

This document does not constitute an offer to sell or the solicitation of an offer to buy any securities, or a solicitation of any vote or approval, nor shall there be any sale of

securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such

jurisdiction. In connection with the proposed merger, the Company will file with the SEC a registration statement on Form S-4 that will include a joint proxy statement of

First Reliance Bancshares, Inc. (“First Reliance”) and the Company and a prospectus of the Company, as well as other relevant documents concerning the proposed

transaction. WE URGE INVESTORS AND SECURITY HOLDERS TO READ THE REGISTRATION STATEMENT ON FORM S-4, THE JOINT PROXY STATEMENT/PROSPECTUS

INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S-4 AND ANY OTHER RELEVANT DOCUMENTS TO BE FILED WITH THE SEC IN CONNECTION WITH THE

PROPOSED MERGER BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT THE COMPANY, FIRST RELIANCE AND THE PROPOSED MERGER. The joint proxy

statement/prospectus will be sent to the shareholders of both the Company and First Reliance seeking the required shareholder approvals. Investors and security holders

will be able to obtain free copies of the registration statement on Form S-4 and the related joint proxy statement/prospectus, when filed, as well as other documents filed

with the SEC by the Company through the website maintained by the SEC at www.sec.gov. Documents filed with the SEC by the Company will also be available free of

charge by directing a written request to Colony Bankcorp, Inc., 115 South Grant Street, Fitzgerald, Georgia 31750, Attn: Derek Shelnutt and on the Company’s website,

colony.bank, under Investor Relations. The Company’s telephone number is (229) 426-6000.

NON-GAAP FINANCIAL MEASURES

Statements included in this presentation include non-GAAP financial measures and should be read along with the accompanying tables, which

provide a reconciliation of non-GAAP financial measures to GAAP financial measures. The non-GAAP financial measures used in this

presentation include the following: operating noninterest income, operating noninterest expense, operating net income, operating earnings per

diluted share, operating return on average assets, operating return on average equity, operating return on average tangible equity, tangible

book value per common share, tangible equity to tangible assets, operating efficiency ratio, operating net noninterest expense to average

assets and pre-provision net revenue. The most comparable GAAP measures are noninterest income, noninterest expense, net income, diluted

earnings per share, return on average assets, return on average equity, book value per common share, total equity to total assets, efficiency

ratio, net noninterest expense to average assets and net interest income before provision for credit losses, respectively. Operating noninterest

income excludes loss on sales of securities. Operating noninterest expense excludes severance costs, acquisition-related expenses and loss

related to wire fraud incident. Operating net income, operating return on average assets, operating return on average equity, operating return

on average tangible equity and operating efficiency ratio all exclude severance costs, acquisition-related expenses, loss on sales of securities,

and loss related to wire fraud incident from net income, return on average assets, return on average equity and efficiency ratio, respectively.

Operating net noninterest expense to average assets ratio excludes from net noninterest expense, severance costs, acquisition-related

expenses, loss on sales of securities, and loss related to wire fraud incident. Acquisition-related expenses includes fees associated with

acquisitions and vendor contract buyouts. Severance costs includes costs associated with termination and retirement of employees. Operating

earnings per diluted share includes the adjustments to operating net income. Tangible book value per common share, tangible equity to

tangible assets and operating return on average tangible equity exclude goodwill and other intangibles from book value per common share,

total equity to total assets and return on average equity, respectively. Pre-provision net revenue is calculated by adding noninterest income to

net interest income before provision for credit losses, and subtracting noninterest expense.

Management uses these non-GAAP financial measures in its analysis of the Company's performance and believes these presentations provide

useful supplemental information, and a clearer understanding of the Company’s performance, and if not provided would be requested by the

investor community. The Company believes the non-GAAP measures enhance investors' understanding of the Company's business and

performance. These measures are also useful in understanding performance trends and facilitate comparisons with the performance of other

financial institutions. The limitations associated with operating measures are the risk that persons might disagree as to the appropriateness of

items comprising these measures and that different companies might calculate these measures differently.

Non-GAAP financial measures should not be considered as an alternative to any measure of performance or financial condition as promulgated

under GAAP, and investors should consider Colony Bankcorp, Inc. performance and financial condition as reported under GAAP and all other

relevant information when assessing the performance or financial condition of Colony Bankcorp, Inc. Non-GAAP financial measures have

limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the results or financial

condition as reported under GAAP.

• $3.6 billion in assets as of

June 30, 2026

• 37 locations in Georgia, 1 in

Alabama and 5 in Florida

• Diversified and scalable

revenue streams

• Proven history of consistent

organic growth

• Strong core deposit funding

COMPANY PROFILE

Name Position Years In

Banking

Years With

Colony

T. Heath Fountain Chief Executive Officer 26 7

R. Dallis "D" Copeland, Jr. President 34 4

Derek Shelnutt EVP, Chief Financial Officer 12 5

Edward "Lee" Bagwell EVP, Chief Risk Officer and General Counsel 23 23

Leonard H. "Lenny"

Bateman EVP, Chief Credit Officer 30 19*

Ed Canup EVP, Chief Banking Officer 43 3

Kimberly Dockery EVP, Chief of Staff 20 7

Daniel Rentz EVP, Chief Information Officer 19 19

Laurie Senn EVP, Chief Administrative Officer 23 5

Greg Eiford EVP, Chief Community Banking Officer 17 17*

*Executives joining Colony through mergers include prior organization service

EXECUTIVE LEADERSHIP TEAM

SECOND QUARTER FINANCIAL HIGHLIGHTS

• Operating net income(1) of $11.0 million

• Seventh consecutive quarter of net interest

margin expansion to 3.52%

• Operating return on average assets(1) of

1.20%

• Operating earnings per share(1) of $0.52

• Operating return on average equity(1) of

11.51% and operating return on average

tangible equity(1) of 14.09%

• Loans increased $51.4 million

• 1.75% cost of deposits

• Operating net noninterest expenses to

average assets(1) of 1.51%

• Tangible book value per common share(1)

of $15.12

Reported Operating(1)

Net Income ($mm) $10.86 $11.04

Earnings Per

Share $0.51 $0.52

Return on Average

Assets 1.18% 1.20%

Return on Average

Total Equity 11.33% 11.51%

Return on Average

Tangible Equity 13.86% 14.09%

Net Interest Margin 3.52% 3.52%

(1) Non-GAAP financial measure. See non-GAAP

reconciliations within this presentation.

QUARTERLY FINANCIAL HIGHLIGHTS

(1) Non-GAAP financial measure. See non-GAAP

reconciliations within this presentation.

$ in thousands, except per share data 2Q26 1Q26 2Q25

GAAP Highlights

Net Income $10,857 $8,204 $7,978

Earnings per share $0.51 $0.39 $0.46

Return on average assets 1.18% 0.90% 1.02%

Net interest margin 3.52% 3.48% 3.12%

Book value per common share $18.43 $17.98 $16.87

Operating Highlights(1)

Operating net income $11,036 $9,485 $7,978

Operating earnings per share $0.52 $0.45 $0.46

Pre-Provision Net Revenue $15,596 $12,221 $10,479

Operating Pre-Provision Net Revenue $16,019 $13,858 $10,479

Operating return on average assets 1.20% 1.04% 1.02%

Operating net noninterest expense to average

assets 1.51% 1.68% 1.52%

Tangible book value per common share $15.12 $14.65 $13.73

• Increase in earnings led by another

consecutive quarter of net interest

margin expansion

• Consistent increase in Operating

Pre-Provision Net Revenue(1)

• Continued growth in tangible book

value per common share(1)

• Creating operating efficiency by

improving net noninterest expense to

average assets

DELIVERING SHAREHOLDER VALUE

(1) Non-GAAP financial measure. See non-GAAP

reconciliations within this presentation.

$0.46 $0.47 $0.48

$0.45

$0.52

2Q25 3Q25 4Q25 1Q26 2Q26

Operating Earnings Per

Share(1)

$8.0 $8.2 $8.9 $9.5 $11.0

2Q25 3Q25 4Q25 1Q26 2Q26

Operating Net Income

in million(1)

1.02% 1.06% 1.05% 1.04%

1.20%

2Q25 3Q25 4Q25 1Q26 2Q26

Operating Return on

Average Assets(1)

3.12%

3.17%

3.32%

3.48%

3.52%

2Q25 3Q25 4Q25 1Q26 2Q26

Net Interest Margin

7.81%

8.00%

8.30%

8.49%

8.99%

2Q25 3Q25 4Q25 1Q26 2Q26

Tangible Equity to Tangible Assets(1)

OBJECTIVES AND FOCUS

• Achieve performance objectives

in complementary lines of

business

• Maintain noninterest expense

discipline to align with growth

expectations

• Achieve return on assets target

of >1.35%

• Successfully complete the First

Reliance merger

• Focus on growing core deposits

and customer relationships

• Growing wallet share and

revenue per customer using data

advancements

Short-Term Objectives Long-Term Objectives

• 5 complementary lines of business

> $1 million in net income

• Improve efficiency through

economies of scale

• Return on assets in top quartile of

peers

• Continue to benefit from industry

consolidation

• Grow our customer base by 8 - 12%

per year

ORGANIC GROWTH

• Presence in dynamic growth markets of Atlanta, Augusta, Birmingham, Jacksonville,

Tallahassee, the Florida Panhandle, and Savannah provides opportunity for above

average growth

• Second-tier MSA markets of Albany, Columbus, Macon, Valdosta, and Tifton have

significant market share held by large regional and national banks, creating the

opportunity for growth in market share

• First Reliance merger will add highly attractive markets for organic growth in South

Carolina

• Smaller markets where Colony has stable deposits and significant market shares

creates the opportunity to grow insurance, wealth management and other

complementary lines of business

• Industry consolidation is creating favorable opportunities for us to leverage our scale,

strengthen market position, and drive disciplined growth.

• Proactive calling effort by bankers, including executive and senior management, to

develop new business and deepen relationships

• Long term organic growth target of 8 - 12%

M&A STRATEGY

• Colony seeks to benefit from

industry consolidation and

become the acquirer of choice in

Georgia and contiguous states

• 356 banks under $1 billion

• 79 banks between $1 billion and

$3 billion

• Proactive outreach effort to

generate opportunities

• Management team with deep

M&A experience

FIRST RELIANCE MERGER

• Entry into bordering state of South Carolina with significant presence in

the major cities of Greenville, Charleston, Columbia, Myrtle Beach and

Florence.

• Enables cross-sell of noninterest income products, such as insurance,

wealth, merchant services and credit cards, into First Reliance’s existing

customer base and across new markets

• Anticipated closing in Q4 2026 – Subject to Colony and First Reliance

shareholder approvals and customary regulatory approvals and closing

conditions

• Regulatory applications filed in early July

• S-4 is expected to be filed in third quarter

FIRST RELIANCE MERGER - FINANCIAL HIGHLIGHTS

• First Reliance Bancshares, Inc. to merge with and into Colony Bankcorp,

Inc.

• Pro Forma Assets of approximately $5 billion

• Implied Aggregate Transaction Value at Announcement: $163 million

• Price/Tangible Book Value per Share: 162%

• Estimated tangible book value dilution of approximately 12% and a

manageable earnback of less than 3.5 years

• ~20% earnings accretion with fully realized cost savings (1)

• Consideration Mix: 80% stock l 20% cash

• Cost savings of approximately $37.6 million or 35% of First Reliance

Bancshares’ projected 2028 noninterest expense phased in 60% in 2027

and 100% thereafter

(1) Pro forma impact is presented for illustrative purposes only and is subject to change

based on final purchase accounting entries

EFFICIENCY AND SCALING

• Focused on process improvement and ensuring it is easy to do business

with Colony Bank

• Utilization of Robotic Process Automation ("RPA") and other innovative

technology to improve the customer experience

• Leveraging AI to streamline workflows, reduce manual processes, and

scale operations efficiently

• Implementation of cross functional teams to reduce friction and improve

the customer experience

• Building operational capacity in order to maintain efficiency through

organic growth and M&A

INNOVATION AND DATA STRATEGY

• Investing in Innovation: Participating in fintech funds that connect us with

leading technology partners and emerging solutions shaping the future of

banking

• Expanding Through Fintech Partnerships: Partnering with innovative

fintechs to deliver modern products and services that allow us to compete

with regional and national banks

• Building a Data-Driven Foundation: Implementing a data warehouse to

unify information across the organization and deliver smarter, faster

decisions

• Turning Insights into Growth: Leveraging data and advanced analytics to

deepen relationships and drive targeted market disruption campaigns

• Enhancing the Customer Experience: Using technology to deliver greater

convenience while maintaining the personal touch that defines us

COMPLEMENTARY LINES OF BUSINESS

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

(Dollars in thousands)

Pre-tax

Profit/Loss

Pre-tax

Profit/Loss

Pre-tax

Profit/Loss

Pre-tax

Profit/Loss

Pre-tax

Profit/Loss

Mortgage $ 317 $ (153) $ 382 $ 222 $ 432

SBSL 362 362 672 95 188

Marine/RV Lending 349 448 538 459 511

Merchant Services 25 99 116 120 134

Colony Financial Advisors 35 80 66 103 469

Colony Insurance 67 94 (31) 104 117

TOTAL $ 1,155 $ 930 $ 1,743 $ 1,103 $ 1,851

SMALL BUSINESS SPECIALTY LENDING GROUP

(Dollars in millions)

Production and Sales Volume Loan Portfolio Breakdown - $80.9 million

$15.8

$28.4 $29.1

$13.1 $13.0

$17.9 $18.2

$16.8

$10.4

$5.5

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Production Sales

MORTGAGE DIVISION

(Dollars in millions)

• Improved production and sales volumes relative to changing market

rates

• Remain focused on secondary market products and gain on sale of

mortgage loans

• Continue to adjust staffing levels, delivery models and product set to

maintain profitability

Production and Sales Volume

$94.9 $87.3 $89.5 $88.5

$115.4

$65.3 $65.1 $68.1 $61.4 $67.3

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Production Sales

COLONY FINANCIAL ADVISORS

(Dollars in millions)

• Established and experienced financial advisor team

• Recent addition of two seasoned advisors who bring deep client relationships and proven

advisory expertise

• Attractive opportunities for growth in key markets of Atlanta, Jacksonville, Savannah, and

Tallahassee

• Focused on attracting and recruiting top financial advisors to support growth and long-term

business line performance

$219 $206

$462

$555 $637

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Assets Under Management

COLONY INSURANCE

• Premium rate increases have presented some retention challenges, though

moderation in rate adjustments is expected during 2026

• Investment in both internal and external lead generation to support

consistent growth

• Bank referrals increased 33.4% for the first six months of 2026 compared to

the first six months of 2025, reflective of improved team coordination and a

sales-focused culture

(1) The Company acquired the Ellerbee Insurance Agency on April 1, 2025.

21,102

20,596

20,309

20,072 20,072

2Q 2025(1) 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Items In Force

$34.2

$34.6

$34.4

$34.2

$34.4

2Q 2025(1) 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Premiums In Force

(Dollars in millions)

The current indicated annual rate is $0.48 per share, equating to a yield of 2.3%.(2)

SHAREHOLDER FOCUSED DIVIDEND POLICY

(1) The Board of Directors declared a dividend to be paid on its common stock on August 19, 2026, to shareholders of record as of the close of

business on August 5, 2026.

(2) Yield is based on closing stock price on July 20, 2026 of $20.89.

$0.1075

$0.1100

$0.1125

$0.1150

$0.1200

2022 2023 2024 2025 2026(1)

Quarterly Dividend Payment

CAPITAL RATIOS

9.6% 9.9%

10.8%

9.8% 10.2%

13.4% 13.4% 13.6% 13.4% 13.9%

16.1% 16.0% 16.0% 15.8% 16.2%

12.3% 12.4% 12.7% 12.5% 13.0%

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Tier One Leverage Ratio Tier One Ratio Total Risk-based Capital Ratio Common Equity Tier One Capital Ratio

STRENGTH IN OUR LIQUIDITY POSITION

Significant liquidity sources

(dollars in millions)

FRB Reserves $ 118.5

Other Cash and Due from Banks 39.7

Unencumbered Securities 375.4

FHLB Borrowing Capacity 941.5

Fed Fund Lines 143.0

FRB Discount Window 134.4

Total Liquidity Sources $ 1,752.5

Debt Funding*

(dollars in millions)

*Reported as of last day of each period

As of June 30, 2026

$24.2 $24.2 $24.2 $24.2 $24.2

$38.9 $38.9 $38.9 $38.9 $39.0

$185.0 $185.0

$195.0 $195.0

$170.0

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Trust Preferred Securities Subordinated Debentures FHLB Borrowings

ANNUAL NONINTEREST INCOME MIX

35%

30% 31%

34%

30%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

2021 2022 2023 2024 2025

Service Charges & Fees Mortgage Loans & Related Fees SBA & Related Fees

Insurance Division Merchant Services Wealth Management

Interchange Income Other Total Non Int Inc/Total Income

QUARTERLY NONINTEREST INCOME MIX

31% 31% 30%

27% 29%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Service Charges & Fees Mortgage Loans & Related Fees SBA & Related Fees

Insurance Division Merchant Services Wealth Management

Interchange Income Other Total Non Int Inc/Total Income

ANNUAL DEPOSIT MIX AND PRICING

0.19%

0.32%

1.76%

2.42%

2.15%

2021 2022 2023 2024 2025

Noninterest-bearing Interest-bearing Savings/money market

Time Cost of interest-bearing deposits

QUARTERLY DEPOSIT MIX AND PRICING

2.18% 2.14%

2.07% 2.05% 2.08%

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Noninterest-bearing Interest-bearing Savings/money market

Time Cost of interest-bearing deposits

DEPOSIT BALANCE DATA

• Commercial/business is 15.3% of accounts and represents 42.6% of total deposits

balance

• Consumer is 84.7% of accounts and represents 57.4% of total deposits balance

As of June 30, 2026 (excludes brokered and reciprocal deposits)

(Dollars in thousands)

$12.9 $13.2 $14.6 $14.3 $13.2

$21.5 $21.3 $22.9 $21.9 $21.5

$39.4 $38.4 $39.9 $41.7 $42.0

$52.8 $53.4 $55.8 $56.4 $59.2

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

AVERAGE DEPOSIT BALANCE PER ACCOUNT

Noninterest-bearing Interest-bearing Savings/money market Time

DIVERSITY OF BUSINESS DEPOSIT BASE

As determined by customer provided NAICS Codes

As of June 30, 2026

LOAN PORTFOLIO BREAKDOWN

As of June 30, 2026

$2,464.8 million $2,057.16 million

LOAN PORTFOLIO

5.85% 5.89% 5.84% 5.88% 5.93%

15.43% 15.16% 14.39% 13.48% 13.08%

9.84% 9.84%

8.54% 8.67% 8.53%

10.94% 10.89% 11.09% 11.42% 11.50%

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Loan Yields by Department/Product

Bank-Internally Originated Third Party Originators-Upstart SBSL-7a SBSL-Express/Flash/Lightning

$(250,000)

$250,000

$500,000

$750,000

$1,000,000

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Net Credit Losses by Department/Product

Bank-Internally Originated Third Party Originators-Upstart SBSL-7a SBSL-Express/Flash/Lightning

CREDIT MIGRATION

$5,000,000

$10,000,000

$15,000,000

$20,000,000

$25,000,000

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Classified Loans

Newly Identified Loans Resolutions/Payoffs/Upgrades

$10,000,000

$20,000,000

$30,000,000

$40,000,000

$50,000,000

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Criticized Loans

Newly Identified Loans Resolutions/Payoffs/Upgrades

LOAN PORTFOLIO

(Dollars in millions)

Commercial Real Estate Production

7.78% 7.83%

7.33%

7.11% 7.14%

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Loan Portfolio Composition

Organic Purchased Loans Weighted average rate on new & renewed loans

$49.8 $38.1 $34.7 $43.0

$59.4

$47.1

$34.8

$14.1

$20.6

$12.2

$24.7

$24.0

$18.9

$2.9 $11.7

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Permanent NOO CRE

Commercial, Construction and Development

Residential Construction

$6.0 $6.6 $14.7 $18.1 $16.0

$43.8

$31.5 $20.0

$24.9

$43.4

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Residential Construction Loan

Originations by Quarter

Consumer Commercial

COMMERCIAL REAL ESTATE BY TYPE

Type Outstanding

Balance

Average

Deal Size

Retail $ 173,679 $ 1,206

Multifamily 119,318 1,283

Office 127,579 931

Industrial & Warehouse 73,337 1,202

Hotel/Motel 124,796 2,836

Convenience Store 9,603 800

Daycare 24,081 1,267

Civic/Event Center 27,612 2,301

Mini-warehouse 58,042 1,759

Government Guaranteed:SBSL 9,141 1,306

Specialty and Other 32,527 793

(Dollars in thousands)

As of June 30, 2026

REPRICING SCHEDULE

Quarterly Fiscal Year 2028 &

(Dollars in millions) 3Q 2026 4Q 2026 1Q 2027 2Q 2027 2026 2027 Beyond

Loan Maturity & Repricing Schedule:

Fixed Rate Loans $ 82 $ 22 $ 27 $ 49 $ 104 $ 234 $ 1,081

Weighted Average Rate 7.18 % 5.04 % 5.73 % 5.15 % 6.73 % 5.12 % 5.79 %

Adjustable & Variable Rate Loans $ 699 $ 25 $ 25 $ 13 $ 724 $ 60 $ 272

Weighted Average Rate 7.07 % 6.20 % 6.14 % 6.44 % 7.04 % 6.17 % 6.13 %

Securities Principal Cash Flow and Rolloff Yield:

Investments $ 11 $ 9 $ 8 $ 24 $ 20 $ 80 $ 636

Weighted Average Rate 2.92 % 2.79 % 2.96 % 1.86 % 2.86 % 1.93 % 2.46 %

INVESTMENT SECURITIES

As of: Average Life Effective

Duration Book Yield

06/30/2025 6.20 4.50 2.48%

09/30/2025 6.00 4.60 2.32%

12/31/2025 5.60 4.30 2.52%

03/31/2026 5.90 4.40 2.53%

06/30/2026 5.60 4.30 2.50%

Other Portfolio Metrics

Pre-tax Unrealized Losses on Securities (in millions)

Current base case assumptions and modeling suggest

principal and interest cash flow from the investment

portfolio estimated to be between $9 million and $24

million per quarter for the next four quarters

25%

50%

75%

100%

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

AFS/HTM

Available for Sale Held to Maturity

$37.1

$31.5 $29.5 $29.9 $29.7

$40.5

$35.6

$32.4 $33.9 $34.2

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

AFS HTM

INVESTMENT CONSIDERATIONS

• Premier Southeast community bank located in growing markets

• Core deposit funded with minimal reliance on wholesale funding

• Diversified sources of revenue

• Improving earnings outlook as new business lines and markets mature

• Upside potential to tangible book value as unrealized losses recover

• Deep leadership bench with a proven track record

• Focused on scalability and efficiency

• Investing in technology and leveraging data for revenue growth

• Positioned to be the acquirer of choice in the Southeast

RECONCILIATION OF NON-GAAP MEASURES

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v3.26.1

Document and Entity Information

Jul. 22, 2026

Document and Entity Information [Abstract]

Document Type

8-K

Document Period End Date

Jul. 22, 2026

Entity Registrant Name

COLONY BANKCORP, INC.

Entity Incorporation, State or Country Code

Entity File Number

001-42397

Entity Tax Identification Number

58-1492391

Entity Address, Address Line One

115 South Grant Street

Entity Address, City or Town

Fitzgerald

Entity Address State Or Province

Entity Address, Postal Zip Code

31750

City Area Code

229

Local Phone Number

426-6000

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

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Title of 12(b) Security

Common stock, par value $1.00 per share

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Security Exchange Name

NYSE

Entity Emerging Growth Company

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For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

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- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

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- Definition

Address Line 1 such as Attn, Building Name, Street Name

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Name of the City or Town

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Code for the postal or zip code

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Name of the state or province.

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A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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Indicate if registrant meets the emerging growth company criteria.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

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No definition available.

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Two-character EDGAR code representing the state or country of incorporation.

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The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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Local phone number for entity.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

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- Definition

Title of a 12(b) registered security.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

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Name of the Exchange on which a security is registered.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

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- Definition

Trading symbol of an instrument as listed on an exchange.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

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