| Metric | Colony Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.5% | +5.5% | +11.0 pts |
| Deposit growth (YoY) | +16.1% | +5.1% | +11.1 pts |
| Loan growth (YoY) | +23.6% | +5.9% | +17.6 pts |
| ROA | 1.08% | 1.26% | -0.2 pts |
| ROE | 9.9% | 12.2% | -2.3 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.61B | $3.01B | $2.47B | $404.1M | $19.9M | 1.08% | 3.57% | 0.58% |
| Q1 2026 | $3.71B | $3.07B | $2.41B | $406.8M | $8.7M | 0.94% | 3.50% | 0.53% |
| Q4 2025 | $3.72B | $3.10B | $2.44B | $397.6M | $30.0M | 0.92% | 3.18% | 0.66% |
| Q3 2025 | $3.14B | $2.62B | $2.04B | $322.5M | $21.8M | 0.93% | 3.16% | 0.48% |
| Q2 2025 | $3.10B | $2.59B | $2.00B | $311.9M | $15.8M | 1.01% | 3.12% | 0.37% |
| Q1 2025 | $3.16B | $2.65B | $1.93B | $314.4M | $7.1M | 0.91% | 3.01% | 0.41% |
| Q4 2024 | $3.10B | $2.60B | $1.86B | $303.1M | $26.0M | 0.86% | 2.84% | 0.36% |
| Q3 2024 | $3.05B | $2.56B | $1.89B | $298.1M | $18.4M | 0.81% | 2.78% | 0.41% |
Loan mix (Q2 2026): real estate $2.08B · commercial $200.4M · consumer $177.7M · securities $742.3M
| Ratio | Colony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.26% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 12.2% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 59.0% | 65th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Colony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Colony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Colony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Colony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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