Colony Bankcorp Inc. reported an 18.4% increase in net income for fiscal year 2025, driven by organic growth and the acquisition of TC Bancshares, Inc. The acquisition bolstered loan balances—especially in commercial real estate—and equity capital, enhancing the company’s regional presence across Georgia, Alabama, and Florida. Real estate loans represented 84.5% of total loans at year-end 2025. Strong capital ratios and diversified funding sources support liquidity and regulatory compliance. Management prioritizes core deposit growth and prudent risk management amid exposure to regional real estate cycles and integration risks.