Colony Bankcorp Inc. (CBAN) - Net Assets

Latest as of March 2026: $380.40 Million USD

Based on the latest financial reports, Colony Bankcorp Inc. (CBAN) has net assets worth $380.40 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.72 Billion) and total liabilities ($3.34 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 Colony Bankcorp Inc. tangible book value ratio to evaluate the tangible quality of the company's equity base.

Key Net Assets Metrics

Metric	Value
Current Net Assets	$380.40 Million
% of Total Assets	10.22%
Annual Growth Rate	10.08%
5-Year Change	72.67%
10-Year Change	302.54%
Growth Volatility	15.27

Colony Bankcorp Inc. - Net Assets Trend (1995–2025)

This chart illustrates how Colony Bankcorp Inc.'s net assets have evolved over time, based on quarterly financial data. See Colony Bankcorp Inc. defensive interval ratio to measure how many days the company can operate on defensive assets alone.

Annual Net Assets for Colony Bankcorp Inc. (1995–2025)

The table below shows the annual net assets of Colony Bankcorp Inc. from 1995 to 2025. For live valuation and market cap data, see Colony Bankcorp Inc. market cap and net worth.

Year	Net Assets	Change
2025-12-31	$375.92 Million	+34.90%
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 2129.4% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	$160.58 Million	42.72%
Common Stock	$21.25 Million	5.65%
Other Comprehensive Income	$-34.49 Million	-9.18%
Other Components	$228.58 Million	60.80%
Total Equity	$375.92 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
Kumyang KO:001570	$428.33 Million
Hind Rectifiers Limited NSE:HIRECT	$428.37 Million
Hualan Group Co Ltd SHE:301027	$428.49 Million
Pacific Biosciences of California NASDAQ:PACB	$428.63 Million
Kerry TJ Logistics Co Ltd TW:2608	$428.15 Million
Leo Lithium Ltd AU:LLL	$428.13 Million
Xiamen Comfort Science&Technology Group Co Ltd SHE:002614	$428.07 Million
Shanghai Tianchen Co Ltd SHG:600620	$428.06 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 2024 to 2025, total equity changed from 278,675,000 to 375,920,000, a change of 97,245,000 (34.9%).
Net income of 28,253,000 contributed positively to equity growth.
Dividend payments of 8,038,000 reduced retained earnings.
Share repurchases of 2,368,000 reduced equity.
Other comprehensive income increased equity by 13,074,000.
Other factors increased equity by 66,324,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	$28.25 Million	+7.52%
Dividends Paid	$8.04 Million	-2.14%
Share Repurchases	$2.37 Million	-0.63%
Other Comprehensive Income	$13.07 Million	+3.48%
Other Changes	$66.32 Million	+17.64%
Total Change	$-	34.90%

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: 0.97x
The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
The price-to-book ratio has decreased from 3.73x to 0.97x 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	$20.56	x
1996-12-31	$5.65	$20.56	x
1997-12-31	$4.24	$20.56	x
1998-12-31	$4.79	$20.56	x
1999-12-31	$5.05	$20.56	x
2000-12-31	$5.80	$20.56	x
2001-12-31	$6.07	$20.56	x
2002-12-31	$9.36	$20.56	x
2003-12-31	$7.80	$20.56	x
2004-12-31	$8.66	$20.56	x
2005-12-31	$9.50	$20.56	x
2006-12-31	$10.67	$20.56	x
2007-12-31	$11.65	$20.56	x
2008-12-31	$11.56	$20.56	x
2009-12-31	$12.38	$20.56	x
2010-12-31	$11.41	$20.56	x
2011-12-31	$11.45	$20.56	x
2012-12-31	$11.35	$20.56	x
2013-12-31	$10.66	$20.56	x
2014-12-31	$11.73	$20.56	x
2015-12-31	$11.29	$20.56	x
2016-12-31	$10.97	$20.56	x
2017-12-31	$10.46	$20.56	x
2018-12-31	$11.21	$20.56	x
2019-12-31	$14.29	$20.56	x
2020-12-31	$15.21	$20.56	x
2021-12-31	$19.34	$20.56	x
2022-12-31	$13.39	$20.56	x
2023-12-31	$14.50	$20.56	x
2024-12-31	$15.87	$20.56	x
2025-12-31	$21.13	$20.56	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): 7.52%
The company has moderate efficiency in generating returns from equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 15.18%
• Asset Turnover: 0.05x
• Equity Multiplier: 9.94x
Recent ROE (7.52%) is below the historical average (7.99%), suggesting potential challenges in 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
2025	7.52%	15.18%	0.05x	9.94x	$-9.34 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: $730,659,300
Average return on equity (ROE) among peers: 8.81%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Colony Bankcorp Inc. (CBAN)	$380.40 Million	10.17%	8.78x	$428.27 Million
Ameris Bancorp (ABCB)	$148.70 Million	9.23%	10.41x	$4.95 Billion
Ameris Bancorp (ABCB)	$71.80 Million	9.61%	9.10x	$5.85 Billion
ACNB Corporation (ACNB)	$2.50 Billion	0.74%	0.02x	$483.21 Million
Affinity Bancshares Inc (AFBI)	$43.92 Million	3.67%	4.15x	$137.20 Million
Alerus Financial Corp (ALRS)	$356.87 Million	11.21%	9.59x	$736.27 Million
Amalgamated Bank (AMAL)	$508.95 Million	16.01%	14.41x	$1.27 Billion
Amerant Bancorp Inc. (AMTB)	$938.80 Million	5.58%	9.41x	$979.96 Million
Arrow Financial Corporation (AROW)	$301.73 Million	12.42%	9.55x	$622.98 Million
Associated Banc-Corp (ASB)	$2.32 Billion	13.77%	8.51x	$5.45 Billion
AmeriServ Financial Inc (ASRV)	$112.35 Million	5.82%	7.71x	$62.43 Million

About Colony Bankcorp Inc.

NYSE:CBAN USA Banks - Regional

Market Cap

$435.04 Million

Market Cap Rank

#13199 Global

#3164 in USA

Share Price

$20.56

Change (1 day)

+0.34%

52-Week Range

$17.40 - $21.25

All Time High

$21.25