COLONY BANKCORP INC

Colony Bankcorp is a regional bank holding company operating through its subsidiary Colony Bank, providing retail and commercial banking services across the United States. The company's core offerings include deposit products such as checking and savings accounts, money market deposits, and treasury solutions alongside merchant services and cash management tools designed for business customers. The lending portfolio encompasses residential and commercial real estate loans, small and medium-sized business loans, agricultural financing, consumer loans, and Small Business Administration-guaranteed loans. Digital banking services include internet banking, electronic bill payment, telephone banking, and access to ATM networks.

The company operates through three primary segments: Bank, Mortgage Banking, and Small Business Specialty Lending Division. The Bank segment provides traditional deposit and lending services to retail and commercial customers. The Mortgage Banking segment focuses on residential mortgage origination and servicing. The Small Business Specialty Lending Division targets specialized lending products for small business borrowers, including government-guaranteed loans.

Headquartered in Fitzgerald, Georgia, Colony Bankcorp operates with approximately 526 full-time employees and maintains a regional presence serving retail and commercial customers throughout the United States. The company was incorporated in Georgia and founded in 1975. With a market capitalization of approximately $0.4 billion, the company operates as a smaller regional bank focused on community and middle-market banking services.