Unverified listing What this means

The Lender Report built this page from public records. Colony Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Colony Bank itself. Each figure shows its source and date. Work at Colony Bank? You can claim this page for free.

Bank, Fitzgerald, GA

Colony Bank

A bank based in Fitzgerald, GA. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.

Kind
Bank
Data as of
June 30, 2026
Page last changed
November 12, 2026
Commercial book
$1.77B
FDIC call report,
Holds, not loans made
Multifamily loans made, 2025
26
HMDA,
HMDA, 5 or more units
SBA loans, 36 months
818
SBA FOIA,
7(a) and 504, net of cancelled
Total assets
$3.61B
FDIC call report,
Does it fit my deal?

The deal is read here and kept nowhere. Leave out names, income and credit scores.

How to reach them

Each line shows where it came from

Phone
800-873-6404 From the lender's website, retrieved November 9, 2026. Source page
Website
colony.bankFrom the FDIC record, November 9, 2026.
Commercial lending page
colony.bankFrom the lender's website, retrieved November 11, 2026.
Address
302 S Main St, Fitzgerald, GA 31750FDIC institution record,
Regulator record
FDIC BankFind

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. Colony Bank originated 26 multifamily loans in 2025, versus 9 in 2024. HMDA,

What the public record shows, newest first
WhenWhat the record showsSource
Last 24 months Office changes in the last 24 months: 1 opened, 1 closed, 2 relocated.FDIC structure history. FDIC history
Oct 2023 to Sep 2026 SBA 7(a) approvals by processing method: 767 under Preferred Lender authority, 20 SBA Express.SBA ProcessingMethod field, net of cancellations. SBA FOIA,
Fiscal 2026 The holding company reported a balance of $426.5M still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. SEC 10-Q and 10-K filings,
Jun 2025 to Jun 2026 Non-owner-occupied CRE balance rose 18.1% to $660.4M in the year to June 30, 2026. Includes loans from acquiring TC FEDERAL BANK in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Owner-occupied CRE balance rose 20.7% to $439.3M in the year to June 30, 2026. Includes loans from acquiring TC FEDERAL BANK in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Construction and land development balance rose 20.1% to $286.9M in the year to June 30, 2026. Includes loans from acquiring TC FEDERAL BANK in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Unused commitments on commercial real estate rose 17.4% to $273.2M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. FDIC call report
December 1, 2025 Acquired TC FEDERAL BANK on December 1, 2025.FDIC structure history. FDIC history,
2024 Reported making 1,048 small business loans totaling $146.5M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. FFIEC CRA disclosure data

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

Colony BankNewest first
PeriodPlaceLoanAmountRateTermLTVSource
Sep 2026FloridaSBA 7(a), General Rental Centers$2.6M9.5%10 yrSBA FOIA
Sep 2026GeorgiaSBA 7(a), Other Commercial and Industrial Machinery and Equipment Rental and Leasing$2.4M8%25 yrSBA FOIA
Sep 2026WashingtonSBA 7(a), Retail Bakeries$1.9M8.5%25 yrSBA FOIA
Sep 2026TexasSBA 7(a), Full-Service Restaurants$680K9.5%10 yrSBA FOIA
Sep 2026GeorgiaSBA 7(a), General Automotive Repair$650K8%25 yrSBA FOIA
Sep 2026FloridaSBA 7(a), Limited-Service Restaurants$620K8.75%10 yrSBA FOIA
Sep 2026OregonSBA 7(a), Convenience Retailers$620K9.5%25 yrSBA FOIA
Sep 2026FloridaSBA 7(a), Other Computer Related Services$350K9.5%10 yrSBA FOIA
Sep 2026New YorkSBA 7(a), Full-Service Restaurants$150K10.5%10 yrSBA FOIA
Aug 2026FloridaSBA 7(a), Interior Design Services$640K9%10 yrSBA FOIA
Aug 2026MinnesotaSBA 7(a), Clothing and Clothing Accessories Retailers$580K9.5%10 yrSBA FOIA
Aug 2026New JerseySBA 7(a), All Other Amusement and Recreation Industries$570K9.5%10 yrSBA FOIA
Aug 2026TexasSBA 7(a), All Other Amusement and Recreation Industries$390K9.25%10 yrSBA FOIA
Aug 2026GeorgiaSBA 7(a), Gasoline Stations with Convenience Stores$370K9.5%10 yrSBA FOIA
2025GeorgiaRefinance, 5 to 24 units$120K8%10 yr55%HMDA 2025
2025Coweta County, GARefinance, 5 to 24 units$460K9%2.9 yr26%HMDA 2025
2025Muscogee County, GARefinance, 5 to 24 units$260K8.5%2.9 yr34%HMDA 2025
2025Fulton County, GARefinance, 25 to 49 units$5M6.5%1 yr67%HMDA 2025
2025Houston County, GARefinance, 5 to 24 units$560K8%2.9 yr35%HMDA 2025
2025GeorgiaRefinance, 5 to 24 units$95K8.3%2.9 yr34%HMDA 2025
2025GeorgiaPurchase, 5 to 24 units$260K8%5 yr69%HMDA 2025
2025Bulloch County, GAPurchase, 5 to 24 units$2.9M7.75%5 yr71%HMDA 2025
Apr 2025FloridaSBA 504, Pet Care (except Veterinary) Services$320K25 yrSBA FOIA
Feb 2025FloridaSBA 504, Professional, Scientific, and Technical Services$270K25 yrSBA FOIA
Nov 2023GeorgiaSBA 504, Professional, Scientific, and Technical Services$530K25 yrSBA FOIA
811 SBA 7(a) loans since October 2023, net of cancelled$270MSBA FOIA

A blank means the source did not report it.

What it holds

FDIC call report, June 30, 2026

Commercial book on the latest filing
BookHoldsOf its loansYear over year
Multifamily$119M4.8%+58.8%
Construction and land development$287M11.5%+20.1%
Owner-occupied CRE$439M17.6%+20.7%
Non-owner-occupied CRE$660M26.5%+18.1%
Farmland$61.9M2.5%-10.1%
Commercial and industrial$200M8.1%+21.9%
Commercial total$1.77B
FDIC call report,

Includes loans from acquiring TC FEDERAL BANK in the window, so growth reflects the acquisition as well as new lending.

Reference only: $517M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

Table
Commercial book by quarter
QuarterCommercial book
Q3 2023$1.44B
Q4 2023$1.45B
Q1 2024$1.43B
Q2 2024$1.40B
Q3 2024$1.42B
Q4 2024$1.38B
Q1 2025$1.44B
Q2 2025$1.47B
Q3 2025$1.48B
Q4 2025$1.75B
Q1 2026$1.75B
Q2 2026$1.77B
FDIC call reports,
Loans on record, by kind
Kind of loanPeriodLoans madeDollarsTypical sizeLargestSource
Multifamily, 5 or more units202526$37.5M$505K$7.2MHMDA,
Multifamily, 5 or more units20249$13.8M$795KHMDA,
1-4 unit investor or business purpose2025156$29.9M$125KHMDA,
SBA 7(a), net of cancelled36 months to Sep 2026811$270M$150K$5MSBA FOIA,
SBA 7(a), net of cancelled12 months to Sep 2026134$74.4MSBA FOIA,
SBA 504 first lien, net of cancelled36 months to Sep 20267$27.4M$539K$19MSBA FOIA,

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.

SBA loans by industry, 36 months
IndustryLoansDollars
Full-Service Restaurants40$15.1M
Limited-Service Restaurants27$8.68M
All Other Professional, Scientific, and Technical Services25$3.80M
Nail Salons21$3.32M
Insurance Agencies and Brokerages17$2.73M
Landscaping Services15$2.84M
Offices of Chiropractors15$2.43M
General Automotive Repair14$4.28M
All Other Personal Services14$2.62M
Offices of Dentists14$2.55M
SBA FOIA,

Other lenders in these fields: SBA lenders for restaurants, SBA lenders for professional services firms, SBA lenders for landscaping companies.

Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).

Small business loans reported under CRA

FFIEC CRA, 2024

  • Colony Bank reported making 1,048 small business loans totaling $146,491,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 509 of $100,000 or less, 419 over $100,000 up to $250,000, 120 over $250,000 up to $1 million.
  • 759 of them, totaling $80,911,000, went to businesses with revenue of $1 million or less.
  • Colony Bank reported making 219 small farm loans totaling $20,608,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 160 of $100,000 or less, 31 over $100,000 up to $250,000, 28 over $250,000 up to $500,000.
  • 191 of them, totaling $15,469,000, went to farms with revenue of $1 million or less.
Counties with 5 or more small business loans in 2024. Other counties, each under 5 loans: 361 loans, $62,783,000.
CountyLoansTotal
Ben Hill County, GA61$3.41M
Wilcox County, GA60$1.50M
Tift County, GA55$5.30M
Dodge County, GA33$2.20M
Crisp County, GA32$1.78M
Lowndes County, GA28$4.12M
Chatham County, GA26$6.98M
Laurens County, GA25$732K
Muscogee County, GA25$5.91M
Irwin County, GA23$1.77M
FFIEC CRA disclosure data,
Counties with 5 or more small farm loans in 2024. Other counties, each under 5 loans: 20 loans, $3,000,000.
CountyLoansTotal
Wilcox County, GA60$5.10M
Ben Hill County, GA24$1.01M
Irwin County, GA24$2.12M
Turner County, GA22$1.86M
Tift County, GA15$2.18M
Worth County, GA13$1.88M
Coffee County, GA10$1.14M
Dodge County, GA10$465K
Crisp County, GA8$1.05M
Laurens County, GA7$144K
FFIEC CRA disclosure data,

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.

Undrawn commitments

FFIEC Call Report, June 30, 2026

  • Colony Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $141,613,000 for 1-4 family residential construction and $131,615,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
  • Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $67,827,000. These are credit lines not yet used.

FFIEC Call Report,

Small loans it holds, by original size

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Commercial and industrial loans, by original amount
Original amountLoansHolds
$100,000 or less1,195$28.1M
Over $100,000 up to $250,000727$28.7M
Over $250,000 up to $1 million234$46.7M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by nonfarm nonresidential property, by original amount
Original amountLoansHolds
$100,000 or less112$4.33M
Over $100,000 up to $250,000234$26.6M
Over $250,000 up to $1 million495$182M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by farmland, by original amount
Original amountLoansHolds
$100,000 or less113$3.86M
Over $100,000 up to $250,00097$11.0M
Over $250,000 up to $500,00053$13.4M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Agricultural production loans, by original amount
Original amountLoansHolds
$100,000 or less185$3.96M
Over $100,000 up to $250,00020$1.36M
Over $250,000 up to $500,00020$3.35M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,

Where it lends

Offices beside loans on record

Offices and recorded loans by state
StateOfficesMultifamily 20251-4 investor 2025SBA 7(a) 36 mo.SBA 504 36 mo.
Georgia HQ3122128402
Florida23191004
California0001010
New York000920
Texas000780
New Jersey000360
Illinois000280
Ohio000230
North Carolina000210
Pennsylvania000210
Colorado000200
Michigan000200
FDIC office list, HMDA, SBA FOIA,

Also in AZ, VA, WA, MA, MD, OR, SC, TN, AL, CT, LA, OK, UT, IN, KS, KY, MO, WI, MN, ME, NH, NM.

Metro areas with the most recorded loans (5 or more)
MetroRecorded loansDollars
Atlanta-Sandy Springs-Roswell, GA5$16.0M
HMDA, SBA FOIA,

Offices by county

FDIC Summary of Deposits, June 30, 2026

  • Colony Bank has 33 offices in 29 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 33 full service and 0 limited service.
Counties with the most offices
CountyFull-service officesLimited-service offices
Chatham County, GA20
Coffee County, GA20
Houston County, GA20
Polk County, GA20
Duval County, FL10
Leon County, FL10
Ben Hill County, GA10
Bibb County, GA10
Brooks County, GA10
Bulloch County, GA10
Colquitt County, GA10
Columbia County, GA10
Crisp County, GA10
Dodge County, GA10
Dougherty County, GA10
FDIC Summary of Deposits,

Loan production offices are not in this file. A bank with no office here can still lend here.

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
MeasureThis lenderIts peersHow it is worked outSource
Estimated largest single loan$57.5M$26.8M to $78.8M across 8 peersEstimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated.FDIC call report, 12 CFR 32.3, Jun 30, 2026
CRE to capital278.3%121.8% to 291.6% across 8 peers(Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance.FDIC call report,
Construction to capital74.9%13.2% to 106.0% across 8 peersConstruction loans divided by tier 1 capital plus allowance.FDIC call report,
Loans to deposits82.7%50.3% to 112.3% across 8 peersTotal loans divided by total deposits.FDIC call report,
Unused CRE commitments$273M$87.6M to $293M across 8 peersCommitments to lend on commercial real estate that are not yet drawn, up 17.4% from a year earlier.FDIC call report,
Loans to assets68.9%43.8% to 88.7% across 8 peersTotal loans divided by total assets.FDIC call report,

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Loan channel and SBA processing

Public record only

Preferred Lender authority
767 loans (94.6%)
SBA Express
20 loans
Approval to first disbursement
3 days, median of 792

SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
LenderStateTotal assetsCommercial book
Vallant BankGA$3.99B$2.28B
Georgia Banking CompanyGA$3.26B$1.62B
Metro City BankGA$4.47B$1.61B
United BankGA$2.16B$571M
Queensborough National Bank & Trust CompanyGA$2.28B$971M
Thomasville National BankGA$2.18B$1.14B
BankSouthGA$1.59B$601M
PrimeSouth BankGA$1.60B$839M
FDIC call report,

Compare these lenders side by side

What we don't know

  • Whether it is taking new loans today, or on what terms.
  • How much of its book it made recently. Call reports carry balances, not loans made.
  • Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
  • How its 1-4 family loans divide between owner-occupied and investor.
  • Whether it takes brokers. No figure here means no evidence, not a refusal.

Check this page

Against the regulator's own record

  1. Name and charter. Colony Bank, FDIC certificate 22257. Compare it with the regulator's record. [FDIC BankFind]
  2. Balances. $3.61B in total assets and $1.77B in commercial loans held, from the call report for June 30, 2026. [Source]
  3. Loans made. 1,009 recorded loans from HMDA and SBA files, through September 30, 2026: 26 HMDA multifamily 2025, 9 HMDA multifamily 2024, 156 HMDA 1-4 unit investor 2025, 811 SBA 7(a) in 36 months, 7 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Colony Bank]
  4. Phone and website. Phone 800-873-6404, from the lender's website on November 9, 2026. Website colony.bank, from the FDIC record. [How to reach them]
  5. Small business loans reported under CRA. 1,048 small business loans reported in its CRA filing for 2024. [Source]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator
FDIC
FDIC certificate
22257
RSSD
491934
LEI
254900AHLSHUJOTJG402
The Lender Report ID
lr_000510
FDIC classifies this bank as
Commercial Lending Specialization
Ownership
Stock

FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

  • Reported $3.6B in total assets as of June 30, 2026 (FDIC call report).
  • Held $1.8B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
  • Held $660.4M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 18.1% from a year earlier, including loans acquired in a merger (FDIC call report).
  • Held $439.3M of owner-occupied commercial real estate loans as of June 30, 2026, up 20.7% from a year earlier, including loans acquired in a merger (FDIC call report).
  • Held $286.9M of construction and land loans as of June 30, 2026, up 20.1% from a year earlier, including loans acquired in a merger (FDIC call report).
  • Originated 26 multifamily loans totaling $37.5M in 2025 (HMDA).
11 more sentences
  • Originated 9 multifamily loans totaling $13.8M in 2024 (HMDA).
  • Originated 156 1-4 unit investor or business-purpose loans totaling $29.9M in 2025 (HMDA).
  • Recorded 860 SBA 7(a) approvals totaling $308M from October 1, 2023 to September 30, 2026, of which 49 were later cancelled (SBA).
  • Provided the first lien on 7 SBA 504 projects with $27.4M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
  • Listed 33 offices in 2 states (FDIC).
  • Reported making 1,048 small business loans totaling $146.5M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Reported making 219 small farm loans totaling $20.6M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Colony Bankcorp Inc reported in its 10-Q for the period ended 2026-09-30 that the company and all of its subsidiaries together still held $426.5M of loans originated in fiscal 2026 (SEC filing).
  • Held 2,156 commercial and industrial loans that were $1 million or less when made, with a balance of $103.5M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Held 841 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $212.5M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $141.6M for 1-4 family and $131.6M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.

Cite this

Source: The Lender Report, Colony Bank, https://lender.report/lender/colony-bank-ga/, data as of June 30, 2026.

Sources

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.

We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.

Work at Colony Bank? Claim this page, free.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem