Colony Bankcorp (CBAN) Registration Filing summary

Company overview and business model

• Operates as a financial services company and registered bank holding company headquartered in Georgia, primarily through its wholly-owned subsidiary, Colony Bank, offering a broad range of retail and commercial banking services across Georgia, Alabama, and Florida.

• As of June 30, 2025, reported $3.1 billion in total assets, $2.0 billion in net loans, $2.6 billion in deposits, and $293.9 million in stockholders' equity.

• Provides lending solutions for small and medium-sized businesses, real estate, agri-business, and consumer needs, as well as deposit products, treasury solutions, and digital banking services.

• Entered into a merger agreement with TC Bancshares, Inc., expected to close in Q4 2025, with consideration in cash and stock, expanding its market presence.

Financial performance and metrics

• Financial statements audited by Mauldin & Jenkins, LLC, with reports incorporated by reference from the 2024 Annual Report on Form 10-K.

• As of October 30, 2025, 17,461,284 shares of common stock were issued and outstanding.

Use of proceeds and capital allocation

• Net proceeds from securities sales will be used for general corporate purposes, including capital contributions to Colony Bank to support lending, investing, and growth, repayment of indebtedness, and potential acquisitions.

• No specific allocations or timing for use of proceeds have been determined as of the filing date.