TellerScore

Colony Bank is a state-chartered bank headquartered in Fitzgerald, Georgia, in business for about 50 years. At the end of Q2 2026 it reported $3.6B in total assets and $3.0B in deposits, with 33 offices across 2 states.

Based on its Q2 2026 filing, Colony Bank scores 64/100, which we describe as moderate. That is higher than only 33% of 897 banks with $1 billion – $10 billion. Among 124 banks headquartered in Georgia, it ranks 104th. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is capital cushion (50/100; 9.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.97%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.76%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 82.0% · 32.4% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.88%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 64).

TellerScore
636566Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202463
Q4 202464
Q1 202564
Q2 202565
Q3 202564
Q4 202564
Q1 202664
Q2 202664
Tier 1 leverage ratio
5.00%7.89%10.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.76%
Q3 20249.51%
Q4 20249.55%
Q1 20259.62%
Q2 20259.48%
Q3 20259.83%
Q4 202510.78%
Q1 20269.95%
Q2 20269.97%
Noncurrent loans
0.35%0.65%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.35%
Q3 20240.64%
Q4 20240.57%
Q1 20250.64%
Q2 20250.53%
Q3 20250.70%
Q4 20250.95%
Q1 20260.73%
Q2 20260.76%
Return on assets
0.80%0.94%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20240.81%
Q4 20240.86%
Q1 20250.91%
Q2 20251.01%
Q3 20250.93%
Q4 20250.92%
Q1 20260.94%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$3.6B9.97%0.76%1.08%82.0%
Q1 202664$3.7B9.95%0.73%0.94%78.3%
Q4 202564$3.7B10.78%0.95%0.92%78.7%
Q3 202564$3.1B9.83%0.70%0.93%77.9%
Q2 202565$3.1B9.48%0.53%1.01%77.0%
Q1 202564$3.2B9.62%0.64%0.91%72.7%
Q4 202464$3.1B9.55%0.57%0.86%71.8%
Q3 202463$3.1B9.51%0.64%0.81%74.0%
Q2 202466$3.0B9.76%0.35%0.80%76.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.97%
36th
Total risk-based capital14.42%
59th
Problem loans0.76%
36th
Net charge-offs0.28%
14th
Return on assets1.08%
36th
Net interest margin3.57%
41st
Efficiency ratio63.9%
35th
Loans to deposits82.0%
63rd
Uninsured deposits32.4%
46th
Loan-loss reserves0.89%
19th
Texas ratio4.9%
39th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Georgia Banking CompanyBank Atlanta, GA64 out of 100, Moderate$3.3B10.8%0.67%vs
Vallant BankBank Elberton, GA78 out of 100, Strong$4.0B12.7%0.51%vs
Metro City BankBank Doraville, GA73 out of 100, Strong$4.5B11.1%0.44%vs
Queensborough National Bank & Trust CompanyBank Louisville, GA62 out of 100, Moderate$2.3B8.6%0.59%vs
Thomasville National BankBank Thomasville, GA76 out of 100, Strong$2.2B10.7%0.22%vs
United BankBank Zebulon, GA89 out of 100, Very strong$2.2B12.8%0.23%vs

Deposit insurance

Is my money safe at Colony Bank?

Yes. Colony Bank is an FDIC-insured institution (FDIC certificate #22257). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.4% of deposits ($975.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.97%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.42% (benchmark: 10%).

Check how much of your own balance is covered

33 locations

Branches

Colony Bank lists 33 offices in 32 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Colony Bank reported 1,409 home-loan applications under HMDA (LEI 254900AHLSHUJOTJG402): 1,111 originated ($385,505,000 total), 56 denied, and 237 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Colony Bank
Former names
Colony Bank of Fitzgerald; The Bank of Fitzgerald
Type
State-chartered bank
FDIC certificate #
22257
RSSD ID
491934
Primary regulator
FDIC
Holding company
Colony Bankcorp Inc
Established
April 15, 1976
Headquarters
302 S Main St, Fitzgerald, GA 31750
Employees
528

Quick answers

Colony Bank: common questions

Is Colony Bank FDIC insured?

Yes. Colony Bank is an FDIC-insured institution (FDIC certificate #22257). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Colony Bank's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Colony Bank ever failed?

There is no failure record for FDIC certificate #22257 in the FDIC failed bank list.

How many branches does Colony Bank have?

33 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Fitzgerald

InstitutionScoreAssetsCapitalProblem loansCompare
South Georgia Banking CompanyBank Omega, GA85 out of 100, Very strong$570.1M13.9%0.55%vs
Commercial Banking CompanyBank Valdosta, GA79 out of 100, Strong$409.5M10.3%0.04%vs
Community Banking CompanyBank Fitzgerald, GA77 out of 100, Strong$297.3M11.3%0.64%vs
Great Oaks BankBank Richmond Hill, GA76 out of 100, Strong$422.0M10.3%0.10%vs
Pineland BankBank Alma, GA75 out of 100, Strong$597.1M10.5%0.49%vs
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs