Company Profile & Strategy - Colony Bank had $3.2 billion in assets as of March 31, 2025 and operates across nearly 40 locations in Georgia, Alabama, and Florida[12] - The company aims to achieve a return on assets target of 1% and grow its customer base by 8-12% per year[22] - Colony Bank intends to return to an 8-12% organic growth run rate by the end of 2025[23] - The company seeks to benefit from industry consolidation and become an acquirer of choice in Georgia and contiguous states, noting 319 banks under $600 million and 87 banks between $600 million and $1.2 billion[26] Financial Performance & Metrics - The company's Small Business Specialty Lending (SBSL) group's pre-tax profit was $492 thousand in 1Q 2025[30] - The mortgage division had stable production and sales volume, remaining focused on secondary market products[36] - The current indicated annual dividend rate is $0.46 per share, equating to a yield of 3.1% based on the closing stock price on April 21, 2025 of $14.74[39] - Total liquidity sources as of March 31, 2025, were $1.3177 billion, including $185.7 million in FRB Reserves and $341.7 million in unencumbered securities[43] Loan & Deposit Portfolio - As of March 31, 2025, the loan portfolio totaled $1.9213 billion, with real estate comprising 83.6% of the portfolio[62] - Commercial/business accounts represent 13.6% of accounts and 45.1% of total deposits balance as of March 31, 2025[55]