Colony Bankcorp Inc. (CBAN) - Net Assets
Based on the latest financial reports, Colony Bankcorp Inc. (CBAN) has net assets worth $302.33 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.15 Billion) and total liabilities ($2.85 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check CBAN financial resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $302.33 Million |
| % of Total Assets | 9.59% |
| Annual Growth Rate | 9.31% |
| 5-Year Change | 92.87% |
| 10-Year Change | 191.94% |
| Growth Volatility | 14.87 |
Colony Bankcorp Inc. - Net Assets Trend (1995–2024)
This chart illustrates how Colony Bankcorp Inc.'s net assets have evolved over time, based on quarterly financial data. Also explore Colony Bankcorp Inc. asset portfolio for the complete picture of this company's asset base.
Annual Net Assets for Colony Bankcorp Inc. (1995–2024)
The table below shows the annual net assets of Colony Bankcorp Inc. from 1995 to 2024. For live valuation and market cap data, see Colony Bankcorp Inc. market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $278.68 Million | +9.31% |
| 2023-12-31 | $254.94 Million | +10.71% |
| 2022-12-31 | $230.27 Million | +5.77% |
| 2021-12-31 | $217.71 Million | +50.67% |
| 2020-12-31 | $144.49 Million | +10.71% |
| 2019-12-31 | $130.50 Million | +36.38% |
| 2018-12-31 | $95.69 Million | +5.95% |
| 2017-12-31 | $90.32 Million | -3.28% |
| 2016-12-31 | $93.39 Million | -2.17% |
| 2015-12-31 | $95.46 Million | -3.61% |
| 2014-12-31 | $99.03 Million | +10.09% |
| 2013-12-31 | $89.95 Million | -6.06% |
| 2012-12-31 | $95.76 Million | -0.88% |
| 2011-12-31 | $96.61 Million | +3.93% |
| 2010-12-31 | $92.96 Million | +4.13% |
| 2009-12-31 | $89.27 Million | +7.28% |
| 2008-12-31 | $83.22 Million | -0.63% |
| 2007-12-31 | $83.74 Million | +9.31% |
| 2006-12-31 | $76.61 Million | +12.45% |
| 2005-12-31 | $68.13 Million | +10.31% |
| 2004-12-31 | $61.76 Million | +10.34% |
| 2003-12-31 | $55.98 Million | -14.45% |
| 2002-12-31 | $65.43 Million | +55.89% |
| 2001-12-31 | $41.97 Million | +4.38% |
| 2000-12-31 | $40.21 Million | +14.89% |
| 1999-12-31 | $35.00 Million | +5.74% |
| 1998-12-31 | $33.10 Million | +14.85% |
| 1997-12-31 | $28.82 Million | +12.62% |
| 1996-12-31 | $25.59 Million | +21.54% |
| 1995-12-31 | $21.06 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Colony Bankcorp Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1848.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $140.37 Million | 50.37% |
| Common Stock | $17.52 Million | 6.29% |
| Other Comprehensive Income | $-47.57 Million | -17.07% |
| Other Components | $168.35 Million | 60.41% |
| Total Equity | $278.68 Million | 100.00% |
Colony Bankcorp Inc. Competitors by Market Cap
The table below lists competitors of Colony Bankcorp Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Fortress Value Acquisition Corp. V Class A Ordinary Shares
NASDAQ:FVAV
|
$292.39 Million |
|
Taiwan Fire & Marine Insurance Co Ltd
TW:2832
|
$292.44 Million |
|
Elma Electronic AG
SW:ELMN
|
$292.47 Million |
|
Coltene Holding AG
SW:CLTN
|
$292.50 Million |
|
Mikron Holding AG
SW:MIKN
|
$292.27 Million |
|
Invesco Municipal Income Opportunities Closed Fund Class Common
NYSE:OIA
|
$292.26 Million |
|
QORIA Ltd
AU:QOR
|
$292.25 Million |
|
Chang Chun Eurasia Group Co Ltd
SHG:600697
|
$292.16 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Colony Bankcorp Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 254,935,000 to 278,675,000, a change of 23,740,000 (9.3%).
- Net income of 23,868,000 contributed positively to equity growth.
- Dividend payments of 7,899,000 reduced retained earnings.
- Share repurchases of 1,305,000 reduced equity.
- Other comprehensive income increased equity by 8,076,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $23.87 Million | +8.56% |
| Dividends Paid | $7.90 Million | -2.83% |
| Share Repurchases | $1.30 Million | -0.47% |
| Other Comprehensive Income | $8.08 Million | +2.9% |
| Other Changes | $1.00 Million | +0.36% |
| Total Change | $- | 9.31% |
Book Value vs Market Value Analysis
This analysis compares Colony Bankcorp Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.10x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 3.17x to 1.10x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $5.52 | $17.47 | x |
| 1996-12-31 | $5.65 | $17.47 | x |
| 1997-12-31 | $4.24 | $17.47 | x |
| 1998-12-31 | $4.79 | $17.47 | x |
| 1999-12-31 | $5.05 | $17.47 | x |
| 2000-12-31 | $5.80 | $17.47 | x |
| 2001-12-31 | $6.07 | $17.47 | x |
| 2002-12-31 | $9.36 | $17.47 | x |
| 2003-12-31 | $7.80 | $17.47 | x |
| 2004-12-31 | $8.66 | $17.47 | x |
| 2005-12-31 | $9.50 | $17.47 | x |
| 2006-12-31 | $10.67 | $17.47 | x |
| 2007-12-31 | $11.65 | $17.47 | x |
| 2008-12-31 | $11.56 | $17.47 | x |
| 2009-12-31 | $12.38 | $17.47 | x |
| 2010-12-31 | $11.41 | $17.47 | x |
| 2011-12-31 | $11.45 | $17.47 | x |
| 2012-12-31 | $11.35 | $17.47 | x |
| 2013-12-31 | $10.66 | $17.47 | x |
| 2014-12-31 | $11.73 | $17.47 | x |
| 2015-12-31 | $11.29 | $17.47 | x |
| 2016-12-31 | $10.97 | $17.47 | x |
| 2017-12-31 | $10.46 | $17.47 | x |
| 2018-12-31 | $11.21 | $17.47 | x |
| 2019-12-31 | $14.29 | $17.47 | x |
| 2020-12-31 | $15.21 | $17.47 | x |
| 2021-12-31 | $19.34 | $17.47 | x |
| 2022-12-31 | $13.39 | $17.47 | x |
| 2023-12-31 | $14.50 | $17.47 | x |
| 2024-12-31 | $15.87 | $17.47 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Colony Bankcorp Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.56%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.51%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 11.16x
- Recent ROE (8.56%) is above the historical average (8.01%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 10.17% | 12.81% | 0.06x | 13.23x | $35.00K |
| 1996 | 11.46% | 16.30% | 0.06x | 12.49x | $374.44K |
| 1997 | 12.55% | 20.09% | 0.05x | 11.90x | $735.77K |
| 1998 | 11.78% | 11.68% | 0.09x | 11.52x | $590.00K |
| 1999 | 12.00% | 11.54% | 0.08x | 12.44x | $700.00K |
| 2000 | 11.22% | 9.97% | 0.09x | 12.93x | $492.00K |
| 2001 | 11.59% | 9.65% | 0.08x | 14.81x | $669.36K |
| 2002 | 8.79% | 11.02% | 0.07x | 11.94x | $-791.16K |
| 2003 | 12.18% | 12.73% | 0.06x | 15.52x | $1.22 Million |
| 2004 | 13.06% | 13.83% | 0.06x | 16.15x | $1.89 Million |
| 2005 | 13.18% | 12.86% | 0.06x | 16.27x | $2.16 Million |
| 2006 | 13.25% | 11.20% | 0.07x | 15.84x | $2.49 Million |
| 2007 | 10.21% | 8.72% | 0.08x | 14.43x | $172.66K |
| 2008 | 2.44% | 2.41% | 0.07x | 15.05x | $-6.29 Million |
| 2009 | -21.49% | -25.45% | 0.06x | 14.64x | $-28.11 Million |
| 2010 | 0.51% | 0.69% | 0.05x | 13.72x | $-8.82 Million |
| 2011 | 2.62% | 4.10% | 0.05x | 12.37x | $-7.13 Million |
| 2012 | 2.76% | 4.63% | 0.05x | 11.90x | $-6.93 Million |
| 2013 | 5.15% | 8.64% | 0.05x | 12.77x | $-4.37 Million |
| 2014 | 7.61% | 13.98% | 0.05x | 11.58x | $-2.37 Million |
| 2015 | 8.77% | 15.70% | 0.05x | 12.30x | $-1.17 Million |
| 2016 | 9.29% | 16.02% | 0.04x | 12.96x | $-665.59K |
| 2017 | 8.58% | 13.93% | 0.05x | 13.65x | $-1.28 Million |
| 2018 | 12.45% | 20.32% | 0.05x | 13.08x | $2.35 Million |
| 2019 | 7.82% | 13.71% | 0.05x | 11.61x | $-2.84 Million |
| 2020 | 8.18% | 13.52% | 0.05x | 12.21x | $-2.63 Million |
| 2021 | 8.57% | 17.46% | 0.04x | 12.36x | $-3.11 Million |
| 2022 | 8.49% | 15.44% | 0.04x | 12.75x | $-3.48 Million |
| 2023 | 8.53% | 13.55% | 0.05x | 11.98x | $-3.75 Million |
| 2024 | 8.56% | 13.51% | 0.06x | 11.16x | $-4.00 Million |
Industry Comparison
This section compares Colony Bankcorp Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Colony Bankcorp Inc. (CBAN) | $302.33 Million | 10.17% | 9.43x | $292.30 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Colony Bankcorp Inc.
Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to retail and commercial customers in the United States. It operates through Bank, Mortgage Banking, and Small Business Specialty Lending Division segments. The company offers deposit products, including checking, savings, money market, and other deposit options; and trea… Read more