Company Profile & Strategy - Colony Bank had $31 billion in assets as of June 30, 2025[10] - The company aims to achieve a return on assets target of 100% in the short term[15] - The company expects to return to an 8-12% organic growth run rate by the end of 2025[16] - The company is proactively seeking M&A opportunities, noting 319 banks under $600 million and 87 banks between $600 million and $12 billion[19] Financial Performance & Portfolio - The Small Business Specialty Lending (SBSL) group's loan portfolio breakdown shows $812 million with 483% in Commercial RE, 11% in Residential RE, 376% in Commercial, financial & agriculture, and 3% in Construction[24] - The current indicated annual dividend rate is $046 per share, equating to a yield of 26%[30] - Total liquidity sources as of June 30, 2025, were $12669 million, including $747 million in FRB Reserves and $3271 million in unencumbered securities[34] - As of June 30, 2025, commercial/business accounts represent 135% of accounts and 445% of total deposits balance, while consumer accounts represent 865% of accounts and 555% of total deposits balance[47] Loan Portfolio & Investment Securities - As of June 30, 2025, the loan portfolio totaled $19936 million, with 829% in Real Estate, 64% in Consumer and Other, 98% in Commercial, and 09% in Agriculture[56] - Investment securities portfolio composition as of June 30, 2025, includes 40% in US Agency MBS/CMO ($336962 thousand) and 31% in Municipal securities ($256256 thousand)[72]