Q4: 2026-01-28 Earnings Summary

EPS of $0.48 beats by $0.02

| Revenue of $37.09M (20.49% Y/Y) beats by $689.00K

Colony Bankcorp, Inc. (CBAN) Q4 2025 Earnings Call January 29, 2026 9:00 AM EST

Company Participants

Brantley Collins - Communications Specialist T. Fountain - CEO & Director Derek Shelnutt - Executive VP & CFO

Conference Call Participants

Christopher Marinac - Janney Montgomery Scott LLC, Research Division David Bishop - Hovde Group, LLC, Research Division

Presentation

Operator

Good morning, ladies and gentlemen, and welcome to the Colony Bank Fourth Quarter 2025 Conference Call. [Operator Instructions] This call is being recorded on Thursday, January 29, 2026. I would now like to turn the conference over to Brantley Collins. Please go ahead.

Brantley Collins Communications Specialist

Thanks, Danny. Before we get started, I would like to go through our standard disclosures. Certain statements we make on this call could be constituted as forward-looking statements within the meaning of the Securities Act of 1933 and the Securities Exchange Act of 1934. Current and prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance but involve known and unknown risks and uncertainties. Factors that could cause these differences include, but are not limited to, pandemics, variations of the company’s assets, businesses, cash flows, financial condition, prospects and other results of operations.

I would also like to add that during our call today, we will reference our fourth quarter earnings release and investor presentation, which were both filed yesterday. So please have those available to reference.

And with that, I will turn the call over to our Chief Executive Officer, Heath Fountain.

T. Fountain CEO & Director

Thanks, Brantley, and thank you to everyone for joining our fourth quarter earnings call today. We are pleased to report our fourth quarter with strong operating performance. Our team has done a great job of delivering results and executing on our strategic initiatives. We’re really excited about the legal close