Question 1

What is Colony Bank?

Accepted Answer

Colony Bank is a community-focused financial institution and Georgia's largest community bank, headquartered in Fitzgerald, Georgia. With approximately $3.1 billion in assets and 30 branches, Colony Bank serves customers across central, south, coastal, and northern Georgia, as well as the Birmingham, Alabama market and the Florida Panhandle region. The bank is a subsidiary of Colony Bankcorp, Inc., which trades on the New York Stock Exchange under the ticker symbol CBAN. Colony Bank has been recognized as the #1 community bank in Georgia and ranked #42 nationwide for exceptional service and trusted financial solutions.

Question 2

When was Colony Bank founded?

Accepted Answer

Colony Bank was founded in 1975 in Fitzgerald, Georgia, born from a local farmer's vision after being unable to secure necessary funding from existing banks. The farmer rallied other local business owners and community leaders to create a different kind of bank—one that truly supported local business growth and community development.

Over nearly five decades, Colony Bank has grown significantly through strategic acquisitions, including the Bank of Dodge (1985), Bank of Worth (1991), Broxton State Bank (1996), Quitman Bancorp (2003), Planters First Bank in Albany (2018), Calumet Bank (2019), and Southcrest Bank (2021). Colony Bankcorp, Inc. began trading on NASDAQ under "CBAN" in 1998 and moved its stock listing to the NYSE in 2024. The bank celebrated its 50th anniversary in 2025.

Question 3

Where is Colony Bank headquartered?

Accepted Answer

Colony Bank is headquartered at 115 South Grant Street, Fitzgerald, Georgia. The bank maintains its corporate office in this historic south Georgia town where it was founded, staying true to its community banking roots.

Question 4

Where does Colony Bank operate?

Accepted Answer

Colony Bank operates 30 branches across Georgia, Alabama, and Florida. The bank has significant presence throughout central and south Georgia, with locations spanning from rural communities to metropolitan areas.

In 2018, Colony Bank expanded into Albany, Georgia, through the acquisition of Planters First Bank. The bank entered the Birmingham, Alabama market in 2022, and expanded to Tallahassee and the Florida Panhandle in 2023. The 2021 acquisition of Southcrest Financial Group added $730 million in assets and gave Colony Bank a statewide footprint in Georgia, including attractive northern Georgia markets and populous suburban Atlanta areas.

This geographic diversification balances Colony Bank's traditional rural market strength with strategic urban and suburban positioning.

Question 5

What services does Colony Bank offer?

Accepted Answer

Colony Bank offers comprehensive banking services for individuals, families, and businesses. Personal banking services include checking and savings accounts, mortgage solutions with competitive rates, home equity loans, personal loans, and credit cards.

Business banking services encompass business checking and savings accounts, commercial and industrial loans, commercial real estate financing, construction and land development loans, agri-business and production loans, and equipment financing. The bank provides specialized government-guaranteed lending solutions for eligible businesses.

Digital services include internet banking, mobile banking apps, electronic bill payment services, mobile check deposit, and remote depository products. Additional services include ATM network access, safe deposit boxes, telephone banking, debit and credit card services, and merchant services.

Colony Bank also offers wealth management through insurance products and financial planning services.

Question 6

What makes Colony Bank unique?

Accepted Answer

Colony Bank distinguishes itself through deep community engagement and a mission to make "progress, not excuses." The bank has been named a goBeyondProfit Champion in 2023 for its commitment to serving local communities.

Through the Georgia Heart Hospital program, Colony Bank donates $500,000 annually to support healthcare in the communities it serves. The bank also operates scholarship programs for eligible students seeking higher education in Georgia and runs the Colony Leadership program to inspire students to realize their potential and cultivate leadership skills.

Colony Bank's "Teach Children to Save" initiative equips young people with financial literacy skills. The bank's founding story—created by local entrepreneurs who were denied financing elsewhere—continues to shape its philosophy of being problem solvers who think outside the box and go the extra mile for customer success.

Question 7

What type of financial institution is Colony Bank?

Accepted Answer

Colony Bank is a State-chartered Commercial Bank supervised by the Federal Deposit Insurance Corporation (FDIC). The bank operates as a community bank with commercial lending specialization, focusing on relationship-based banking that supports local businesses and individuals.

As a subsidiary of Colony Bankcorp, Inc., a publicly traded bank holding company on the NYSE, Colony Bank combines the stability and resources of a larger organization with the personalized service and local decision-making authority characteristic of community banks. The bank's structure allows it to maintain its community-focused mission while serving as Georgia's largest independent community bank.

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