Regulatory Capital Matters (Tables)

3 Months Ended

Mar. 31, 2026


												To Be Well
												Capitalized Under
							For Capital					Prompt Corrective
		Actual					Adequacy Purposes					Action Provisions
(dollars in thousands)		Amount			Ratio		Amount			Ratio		Amount			Ratio
As of March 31, 2026
Total Capital to Risk-Weighted Assets
Consolidated		$	420,678		15.75	%	$	213,678		8.00	%	$	267,097		10.00	%
Colony Bank			384,414		14.45			212,824		8.00			266,030		10.00

Tier 1 Capital to Risk-Weighted Assets
Consolidated			358,846		13.44			160,199		6.00			213,599		8.00
Colony Bank			361,509		13.59			159,607		6.00			212,809		8.00

Common Equity Tier 1 Capital to Risk-Weighted Assets
Consolidated			334,617		12.53			120,174		4.50			173,584		6.50
Colony Bank			361,509		13.59			119,705		4.50			172,907		6.50

Tier 1 Capital to Average Assets
Consolidated			358,846		9.84			145,872		4.00			182,340		5.00
Colony Bank			361,509		9.95			145,330		4.00			181,663		5.00


												To Be Well
												Capitalized Under
							For Capital					Prompt Corrective
		Actual					Adequacy Purposes					Action Provisions
(dollars in thousands)		Amount			Ratio		Amount			Ratio		Amount			Ratio
As of December 31, 2025
Total Capital to Risk-Weighted Assets
Consolidated		$	418,386		15.95	%	$	209,849		8.00	%	$	262,311		10.00	%
Colony Bank			378,421		14.48			209,072		8.00			261,340		10.00

Tier 1 Capital to Risk-Weighted Assets
Consolidated			356,702		13.60			157,369		6.00			209,825		8.00
Colony Bank			355,640		13.61			156,785		6.00			209,046		8.00

Common Equity Tier 1 Capital to Risk-Weighted Assets
Consolidated			332,473		12.67			118,084		4.50			170,566		6.50
Colony Bank			355,640		13.61			117,589		4.50			169,850		6.50

Tier 1 Capital to Average Assets
Consolidated			356,702		10.78			132,357		4.00			165,446		5.00
Colony Bank			355,640		10.78			131,963		4.00			164,954		5.00

COLONY BANKCORP INC 10-Q