COLONY BANKCORP INC

COLONY BANKCORP, INC. is a financial services company and a registered bank holding company headquartered in Fitzgerald, Georgia, incorporated on November 8, 1982. The Company primarily conducts its business through its wholly-owned bank subsidiary, Colony Bank, a Georgia state-chartered commercial bank. Colony Bank provides a broad range of banking services to its retail and commercial customers. The Company operates locations throughout Georgia, as well as in Birmingham, Alabama, and Jacksonville, Santa Rosa Beach, and Tallahassee, Florida. As of December 31, 2025, Colony Bankcorp, Inc. had approximately $3.7 billion in total assets, $2.5 billion in total loans, $3.1 billion in total deposits, and $375.9 million in stockholder's equity. Deposits are insured, up to applicable limits, by the Federal Deposit Insurance Corporation. The Parent Company maintains 100 percent ownership of Colony Bank and provides centralized evaluation of operations in areas such as accounting, marketing, investment management, and human resources. Colony Bank offers a comprehensive range of banking solutions for personal and commercial customers. Its lending solutions include loans for small and medium-sized businesses, residential and commercial construction, land development, commercial real estate, commercial loans, agri-business and production loans, residential mortgages, home equity loans, and consumer loans. The bank also provides specialized loan programs, including government-guaranteed loans through its Small Business Specialty Lending (SBSL) department and financing for marine and recreational vehicles.