HIGHBuilt-inLoan_portfolio
84.5%
real estate collateral
“10-K Item 1A: 'At December 31, 2025, approximately 84.5% of our loan portfolio was comprised of loans with real estate as a primary or secondary component of collateral.'”
CBAN · Concentration risk · 10-K extracted
Colony Bankcorp (CBAN) concentration risks
Updated
The most significant concentration Colony Bankcorp discloses is real estate collateral at 84.5%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Colony Bankcorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH2
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
74.4%
commercial real estate and commercial, financial and agricultural loans
“10-K Item 1A: 'At December 31, 2025, our portfolio of commercial real estate and commercial, financial and agricultural loans totaled $1.8 billion or 74.4% of total loans compared to $1.4 billion, or 76.5% of total loans at December 31, 2024.'”
MEDIUMBuilt-inGeographic
Georgia, Alabama and Florida
“10-K Item 1A: 'Our business and operations are sensitive to general business and economic conditions in the United States, generally, and particularly in the states of Georgia, Alabama and Florida.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Colony Bankcorp's concentration risk is loan-portfolio-driven and structural, reflecting the composition of its balance sheet rather than dependency on a specific borrower or counterparty. Real estate collateral underpinned approximately 84.5% of the loan portfolio at year-end 2025 — a high-share, structural exposure showing how tightly the bank's credit book is tied to real estate values. Within that portfolio, commercial real estate and commercial, financial and agricultural loans together totaled 74.4% of total loans, down from 76.5% a year earlier — another high-share, structural exposure, though one that eased modestly year over year. Geographically, the bank's business and operations are sensitive to general business and economic conditions in the United States generally, and particularly in Georgia, Alabama and Florida — a medium-share, structural exposure to regional economic conditions in the bank's core footprint. None of these three exposures is a dependency on a discrete counterparty; instead, they describe a bank whose credit risk and revenue generation are concentrated in real-estate-backed lending within a specific three-state footprint. That combination means Colony Bankcorp's results would be most exposed to a regional real estate downturn across Georgia, Alabama, and Florida specifically, since such a shock would touch both the collateral base and the geographic footprint simultaneously.
For the engine’s reasoning on CBAN’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| CBAN● | Colony Bankcorp, Inc. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.