CBAN — what changed in the latest 10-Q

Text added vs the prior filing · source: 10-Q · 2026-05-08

• ●the potential adverse developments in the banking industry highlighted by high-profile bank failures and the impact of such developments on customer confidence, liquidity and regulatory responses to these developments (including increases in the cost of our deposit insurance assessments and the inc…

• ●governmental monetary and fiscal policies, including interest rate policies of the FRB, as well as risks related to legislative, tax and regulatory change, including those that impact the value of the U.S. Dollar in relation to the currencies of other advanced and emerging market countries, the mon…

• ●the risk of continued changes in interest rates on the level and composition of deposits (as well as the cost of, and competition for, deposits), loan demand, liquidity and the values of loan collateral, securities and market fluctuations, and interest rate sensitive assets and liabilities;

• ●interest rate risks (including the impact of interest rates on macroeconomic conditions, customer and client behavior, and on our net interest income), sensitivities, and the shape of the yield curve, and its impact on our financial projections and models;

• ●prolonged periods of inflation and their effects on our business, profitability, and our stock price;

Text removed vs the prior filing · source: 10-Q · 2025-11-07

• •changes in interest rate environment (including changes to the federal funds rate, the level and composition of deposits (as well as the cost of, and competition for, deposits), loan demand, liquidity and the values of loan collateral, securities and market fluctuations, and interest rate sensitive…

• •uncertainties surrounding geopolitical events, trade policy, taxation policy, and monetary policy which continue to impact the outlook for future economic growth, including U.S. imposition of tariffs and consideration of responsive actions by the impacted nations and/or the expansion of import fees…

• •our ability to comply with applicable capital and liquidity requirements, including our ability to generate liquidity internally or raise capital on favorable terms, including continued access to the debt and equity capital markets;

• •the risk that a future economic downturn and contraction, including a recession, could have a material adverse effect on our capital, financial condition, credit quality, results of operations and future growth, including the risk that the strength of the current economic environment could be weake…

• •factors that can impact the performance of our loan portfolio, including real estate values and liquidity in our primary market areas, the financial health and credit quality of our borrowers and the success of various projects that we finance;

Text added vs the prior filing · source: 10-Q · 2026-05-08

• On December 18, 2025, the Board of Directors of the Company authorized the extension of the stock buyback program approved in October 2022, under which the Company may repurchase up to $12 million of its outstanding common stock. Repurchases under this program may be made from time to time through o…

• Pursuant to Item 408(a) of Regulation S-K, none of the Company’s directors or executive officers adopted, terminated or modified a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement during the three months ended March 31, 2026.

• Agreement and Plan of Merger, dated July 23, 2025, by and between Colony Bankcorp, Inc. and TC Bancshares, Inc. - filed as Exhibit 2.1 to the Company’s Current Report on Form 8-K, filed with the Commission on July 23, 2025 and incorporated herein by reference.

• Employment Agreement between Colony Bankcorp, Inc. and Derek Shelnutt, filed as Exhibit 10.1 to the Company’s Current Report on Form 8‑K, filed with the Commission on January 28, 2026 and incorporated herein by reference.

Text removed vs the prior filing · source: 10-Q · 2025-11-07

• Pursuant to Item 408(a) of Regulation S-K, none of the Company's directors or executive officers adopted, terminated or modified a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement during the three months ended September 30, 2025.

• Agreement and Plan of Merger, dated July 23, 2025, by and between Colony Bankcorp, Inc. and TC Bancshares, Inc. - filed as Exhibit 2.1 to the Company's Current Report on Form 8-K, filed with the Commission on July 23, 2025 and incorporated herein by reference.

Text added vs the prior filing · source: 10-Q · 2026-05-08

• On December 18, 2025, the Board of Directors of the Company authorized the extension of the stock buyback program approved in October 2022, under which the Company may repurchase up to $12 million of its outstanding common stock. Repurchases under this program may be made from time to time through o…

• Pursuant to Item 408(a) of Regulation S-K, none of the Company’s directors or executive officers adopted, terminated or modified a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement during the three months ended March 31, 2026.

• Agreement and Plan of Merger, dated July 23, 2025, by and between Colony Bankcorp, Inc. and TC Bancshares, Inc. - filed as Exhibit 2.1 to the Company’s Current Report on Form 8-K, filed with the Commission on July 23, 2025 and incorporated herein by reference.

• Employment Agreement between Colony Bankcorp, Inc. and Derek Shelnutt, filed as Exhibit 10.1 to the Company’s Current Report on Form 8‑K, filed with the Commission on January 28, 2026 and incorporated herein by reference.

Text removed vs the prior filing · source: 10-Q · 2025-11-07

• Pursuant to Item 408(a) of Regulation S-K, none of the Company's directors or executive officers adopted, terminated or modified a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement during the three months ended September 30, 2025.

• Agreement and Plan of Merger, dated July 23, 2025, by and between Colony Bankcorp, Inc. and TC Bancshares, Inc. - filed as Exhibit 2.1 to the Company's Current Report on Form 8-K, filed with the Commission on July 23, 2025 and incorporated herein by reference.

Text added vs the prior filing · source: 10-Q · 2026-05-08

• On December 18, 2025, the Board of Directors of the Company authorized the extension of the stock buyback program approved in October 2022, under which the Company may repurchase up to $12 million of its outstanding common stock. Repurchases under this program may be made from time to time through o…

• Pursuant to Item 408(a) of Regulation S-K, none of the Company’s directors or executive officers adopted, terminated or modified a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement during the three months ended March 31, 2026.

• Agreement and Plan of Merger, dated July 23, 2025, by and between Colony Bankcorp, Inc. and TC Bancshares, Inc. - filed as Exhibit 2.1 to the Company’s Current Report on Form 8-K, filed with the Commission on July 23, 2025 and incorporated herein by reference.

• Employment Agreement between Colony Bankcorp, Inc. and Derek Shelnutt, filed as Exhibit 10.1 to the Company’s Current Report on Form 8‑K, filed with the Commission on January 28, 2026 and incorporated herein by reference.

Text removed vs the prior filing · source: 10-Q · 2025-11-07

• Pursuant to Item 408(a) of Regulation S-K, none of the Company's directors or executive officers adopted, terminated or modified a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement during the three months ended September 30, 2025.

• Agreement and Plan of Merger, dated July 23, 2025, by and between Colony Bankcorp, Inc. and TC Bancshares, Inc. - filed as Exhibit 2.1 to the Company's Current Report on Form 8-K, filed with the Commission on July 23, 2025 and incorporated herein by reference.

Text added vs the prior filing · source: 10-Q · 2026-05-08

• Employment Agreement between Colony Bankcorp, Inc. and Derek Shelnutt, filed as Exhibit 10.1 to the Company’s Current Report on Form 8‑K, filed with the Commission on January 28, 2026 and incorporated herein by reference.