BlastPoint's Banking Scorecard

Colony Bank

Community Specialty: Commercial GA FDIC cert 22257

Fitzgerald, GA

1484 banks in Community tier nationally 36 in GA

View Community leaderboard (GA) →

Colony Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$3.7B +20.1% YoY +18.5% QoQ	+$2.3B	$1.4B +2.0% YoY	$791.9M +9.3% YoY	$5.9B +6.5% YoY	Top 4% in tier
Total Loans ?	$2.4B +30.8% YoY +19.6% QoQ	+$1.5B	$975.5M +2.4% YoY	$538.5M +10.1% YoY	$3.1B +8.5% YoY	Top 6% in tier
Total Deposits ?	$3.1B +19.3% YoY +18.3% QoQ	+$1.9B	$1.2B +1.7% YoY	$671.4M +8.0% YoY	$4.7B +6.3% YoY	Top 5% in tier
Return on Assets ?	0.92% +8.1% YoY -0.7% QoQ	-0.24%	1.16% +17.2% YoY	1.46% +11.8% YoY	1.12% +15.6% YoY	33%
Net Interest Margin ?	3.18% +11.9% YoY +0.4% QoQ	-0.49%	3.66% +9.1% YoY	4.40% +3.8% YoY	3.75% +7.1% YoY	24%
Efficiency Ratio ?	67.36% -1.0% YoY +0.1% QoQ	+4.72%	62.63% -5.3% YoY	59.78% -5.5% YoY	65.09% -5.1% YoY	34%
Delinquency Rate ?	0.96% +66.0% YoY +36.7% QoQ	+0.33%	0.63% +18.3% YoY	0.67% +32.9% YoY	0.66% +20.3% YoY	26%
Loan-to-Deposit Ratio ?	78.67% +9.6% YoY +1.0% QoQ	-4.40%	83.06% +0.3% YoY	72.12% +2.8% YoY	78.04% +0.7% YoY	65%
Non-Interest-Bearing Deposit Share ?	17.99% -4.9% YoY -1.0% QoQ	-3.05%	21.05% -0.9% YoY	27.08% -1.1% YoY	21.79% -1.3% YoY	39%
Nonperforming Asset Ratio ?	0.66% +85.4% YoY +37.3% QoQ	+0.16%	0.50% +20.3% YoY	0.46% +30.5% YoY	0.48% +20.8% YoY	31%
Tier 1 Capital Ratio ?	13.61% -5.0% YoY +2.1% QoQ	+3.36%	10.24% -0.6% YoY	12.12% +2.1% YoY	9.75% -1.9% YoY	64%
Non-Interest Income / Assets ?	1.10% -17.0% YoY +15.7% QoQ	+0.36%	0.74% -1.3% YoY	0.53% -2.9% YoY	0.65% +0.6% YoY	Top 12% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Total Assets

Current: $3.7B · Tier avg: $1.4B

96th pctile

Total Deposits

Current: $3.1B · Tier avg: $1.2B

95th pctile

Total Loans

Current: $2.4B · Tier avg: $975.5M

94th pctile

Non-Interest Income / Assets

Current: 1.10% · Tier avg: 0.74%

88th pctile

Loan-to-Deposit Ratio

Current: 78.67% · Tier avg: 83.06%

65th pctile

Tier 1 Capital Ratio

Current: 13.61% · Tier avg: 10.24%

64th pctile

Non-Interest-Bearing Deposit Share

Current: 17.99% · Tier avg: 21.05%

39th pctile

Efficiency Ratio

Current: 67.36% · Tier avg: 62.63%

34th pctile

Return on Assets

Current: 0.92% · Tier avg: 1.16%

33th pctile

Nonperforming Asset Ratio

Current: 0.66% · Tier avg: 0.50%

31th pctile

Delinquency Rate

Current: 0.96% · Tier avg: 0.63%

26th pctile

Net Interest Margin

Current: 3.18% · Tier avg: 3.66%

24th pctile

Top Weaknesses