COLONY BANKCORP Business Summary

Colony Bankcorp Inc. (CBAN) operates as a diversified financial services holding company, primarily generating revenue through net interest income from its $2.38 billion loan portfolio and a robust mix of noninterest fee-based streams, including mortgage banking, wealth management, and consumer insurance. The company’s operations are organized into three primary segments: the Banking Division, which provides traditional retail and commercial services; the Retail Mortgage Division; and the Small Business Specialty Lending (SBSL) Division, which focuses on government-guaranteed SBA and USDA loans. Following its December 2025 acquisition of TC Bancshares, Colony has scaled its asset base to approximately $3.74 billion, positioning itself as a high-growth regional player in the Georgia, Alabama, and Florida markets. It competes directly with small-cap regional institutions such as First Mid Bancshares (FMBH), First Merchants (FRME), and OceanFirst Financial (OCFC), distinguishing itself through a "high-touch" community banking model paired with specialized niche lending capabilities. Founded in 1975 in Fitzgerald, Georgia, by a group of local entrepreneurs seeking to improve community access to capital, the company is currently led by CEO T. Heath Fountain, who joined in 2018 after serving as CEO of Planters First Bank. The executive team includes President Roy Dallis "D" Copeland Jr., a veteran of Synovus Financial, and EVP/CFO Derek Shelnutt, who manages financial reporting and M&A integration. Technology and operational innovation are directed by CIO Daniel Rentz, a 15-year veteran of the bank who previously served as CTO. The company is governed by a board chaired by Mark H. Massee and maintains a significant institutional investor base, with approximately 60% of shares held by institutional entities, reflecting market confidence in its aggressive regional expansion and dividend growth strategy.