CBAN FINANCIAL STATEMENTS

Colony Bankcorp Inc. — balance sheet, income statement and cash flow trends

CBANColony Bankcorp Inc.

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue198 M $+11.0%

Gross Profit135.7 M $+19.3%

Operating Income39 M $+25.3%

EBITDA48.1 M $+23.4%

Net Income29.8 M $+18.7%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
CBAN	—	—	—	15.1%
ICBCT	—	—	—	24.7%
ISBTR	—	—	—	28.1%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
LLOY	—	—	—	25.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity380.4 M $10%
Current Liabilities85 M $2%
Long-term Liabilities3.3 B $87%

Key Figures

YoY change

Total Assets3.7 B $+17.3%

Total Liabilities3.3 B $+15.8%

Total Equity380.4 M $+32.6%

Cash & ST Investments24.3 M $-94.0%

Total Debt258.1 M $+39.5%

Net Debt233.8 M $+47.1%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CBAN	0.45	67.9%	4.86	10.2%
ICBCT	—	0.0%	-20.34	4.0%
ISBTR	—	0.0%	-28.33	8.5%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
LLOY	0.12	209.8%	5.39	5.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CBAN	0.45	67.9%	4.86	10.2%
FMAO	0.13	71.5%	-1.66	10.8%
PBFS	0.11	—	—	14.8%
PLBC	0.33	54.3%	-8.40	12.1%
CZNC	1.23	57.5%	5.87	10.6%
FRBA	0.13	57.0%	-2.48	11.3%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow30.8 M $-15.3%

Capital Expenditures1.5 M $+13.9%

Free Cash Flow30.1 M $-13.9%

Dividends Paid-8.6 M $-208.0%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CBAN	15.5%	15.2%	0.8%	103.1%
ICBCT	24.7%	29.9%	5.1%	100.0%
ISBTR	28.1%	-3.3%	31.4%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
LLOY	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CBAN	15.5%	15.2%	0.8%	103.1%
FMAO	17.8%	16.7%	1.1%	94.6%
PBFS	11.2%	10.0%	1.2%	73.1%
PLBC	19.5%	18.4%	1.1%	73.0%
CZNC	23.6%	22.7%	0.9%	224.5%
FRBA	22.7%	21.7%	1.1%	134.5%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.