BlastPoint's Banking Scorecard

Colony Bank

$1B-$10B Specialty: Commercial GA FDIC cert 22257

Fitzgerald, GA

33 branches across GA · FL

884 banks in the $1B-$10B peer group nationally 11 in GA

Colony Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

- ROA 0.43% below tier average
- Net Interest Margin 0.32% below tier average
- Efficiency Ratio 5.96% above tier average

Get updates when Colony Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$3.7B +17.2% YoY -0.4% QoQ	+$889.5M	$2.8B -0.1% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$2.4B +25.0% YoY -1.2% QoQ	+$443.5M	$2.0B +0.6% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$3.1B +16.0% YoY -0.8% QoQ	+$730.8M	$2.3B -0.3% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	0.94% +3.1% YoY +1.7% QoQ	-0.43%	1.37% +19.6% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	28%
Net Interest Margin ?	3.50% +16.0% YoY +10.1% QoQ	-0.32%	3.82% +6.9% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	67.03% +2.9% YoY -0.5% QoQ	+5.96%	61.06% -4.6% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	29%
Delinquency Rate ?	0.74% +13.9% YoY -23.4% QoQ	-0.15%	0.89% +14.1% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	78.34% +7.7% YoY -0.4% QoQ	-5.86%	84.20% +0.3% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	70%
Non-Interest-Bearing Deposit Share ?	16.94% -5.7% YoY -5.8% QoQ	-4.34%	21.29% -2.5% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	36%
Nonperforming Asset Ratio ?	0.53% +28.9% YoY -19.5% QoQ	-0.14%	0.67% +15.6% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	13.59% -3.3% YoY -0.1% QoQ	-1.57%	15.16% +2.0% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.29% +2.5% YoY -73.6% QoQ	+0.03%	0.26% +1.6% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	Top 14.3% in tier

Get Full Access to Colony Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

127

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.26%

#127 of 884 Top 14.3% in $1B-$10B

196

Total Assets

size

Value: $3.71B

Peer Median: $2.82B

#196 of 884 Top 22.1% in $1B-$10B

197

Total Deposits

size

Value: $3.07B

Peer Median: $2.34B

#197 of 884 Top 22.2% in $1B-$10B

219

Total Loans

size

Value: $2.41B

Peer Median: $1.96B

#219 of 884 Top 24.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available