For the quarter ending 2026-03-31, CBAN had $38,166K increase in cash & cash equivalents over the period. $53,832K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net interest income | 29,203 | 25,865 | 66,036 | - |
| Provision for credit losses | 1,750 | 1,650 | 2,850 | - |
| Total noninterest income | 10,692 | 11,047 | 29,233 | - |
| Total noninterest expense | 27,674 | 25,709 | 66,837 | - |
| Income taxes | 2,267 | 1,710 | 5,172 | - |
| Net income | 8,204 | 7,843 | 5,819 | 14,591 |
| Provision for credit losses | 1,750 | 1,650 | 900 | 1,950 |
| Depreciation, amortization, and accretion | 3,188 | 2,304 | 1,863 | 3,556 |
| Equity method investment loss | 36 | 32 | 72 | 195 |
| Loss (gain) on sales of other real estate owned and repossessions | - | 0 | 2 | -136 |
| Writedown of bank building | - | 0 | 0 | 0 |
| Stock-based compensation expense | 193 | 211 | 204 | 370 |
| Loss on sales of securities | - | 0 | -1,039 | 0 |
| Net change in servicing asset | -3 | 133 | 348 | -289 |
| Gain on sales of sba loans | 962 | 1,376 | 1,411 | 2,585 |
| Gain on sales of other real estate owned and repossessions | 6 | - | - | - |
| Gain on sales of premises & equipment | 10 | 0 | 0 | 0 |
| Originations of loans held for sale | 30,143 | 143,275 | 78,987 | 130,990 |
| Proceeds from sales of loans held for sale | 71,885 | 84,947 | 83,275 | 151,198 |
| Change in bank-owned life insurance | 479 | 555 | 396 | 841 |
| Deferred tax expense | 359 | 1,023 | 571 | 470 |
| Change in other assets | -11 | 4,776 | -1,623 | 5,846 |
| Change in other liabilities | 296 | -1,575 | 333 | 1,685 |
| Cash paid - insurance acquisition | - | - | 0 | 3,500 |
| Net cash provided by operating activities | 54,253 | -53,744 | 14,411 | 33,788 |
| Purchases of investment securities, available-for-sale | 4,825 | -8,268 | 2,761 | 28,210 |
| Proceeds from maturities, calls, and paydowns of investment securities, available-for-sale | 12,192 | 8,837 | 19,533 | 27,129 |
| Proceeds from sales of investment securities, available-for-sale | - | 0 | 55,550 | 0 |
| Proceeds from maturities, calls and paydowns of securities, held-to-maturity | 15,089 | 2,925 | 3,024 | 21,532 |
| Proceeds from settlement of bank owned life insurance policies | - | 4,491 | 0 | 0 |
| Proceeds from sales of premises and equipment | - | 0 | 0 | 0 |
| Proceeds from sales of investment securities, held-to-maturity | - | 0 | 17,877 | - |
| Proceeds from insurance related to fire at bank branch | - | 72 | 0 | 803 |
| Change in loans, net | 15,360 | -66,135 | 45,328 | 153,101 |
| Purchase of premises and equipment | 421 | 572 | 351 | 431 |
| Proceeds from sales of premises and equipment | 27 | - | - | - |
| Cash Acquired From Acquisition | - | 916 | - | - |
| Proceeds from sales of other real estate owned and repossessions | 727 | 70 | 0 | 540 |
| Payments To Acquire Businesses Gross | - | 3,500 | - | - |
| Purchase of federal home loan bank stock | 74 | 1 | 0 | 38 |
| Net cash provided by (used in) investing activities | 7,355 | 91,141 | 47,544 | -135,276 |
| Proceeds from other borrowings | - | 0 | 75,000 | 0 |
| Change in noninterest-bearing customer deposits | -31,569 | 28,340 | 7,357 | -27,498 |
| Redemption of subordinated debt | - | 0 | 0 | 0 |
| Change in interest-bearing customer deposits | 12,467 | -5,267 | 20,742 | 15,785 |
| Repayments on other borrowings | - | 0 | 75,000 | 0 |
| Dividends paid for common stock | 2,551 | 2,007 | 2,009 | 4,022 |
| Repayments on federal home loan bank advances | 50,000 | 50,000 | 50,000 | 100,000 |
| Proceeds from federal home loan bank advances | 50,000 | 50,000 | 50,000 | 100,000 |
| Repurchase and retirement of shares | 1,766 | 779 | 0 | 1,589 |
| Cash paid for tax withholding related to vesting of restricted stock | - | 311 | - | - |
| Tax withholding related to vesting of restricted stock | -278 | - | 224 | 77 |
| Net cash provided by (used in) financing activities | -23,442 | 20,277 | 25,866 | -17,401 |
| Net increase (decrease) in cash and cash equivalents | 38,166 | 57,674 | 87,821 | -118,889 |
| Cash and cash equivalents at beginning of period | 257,640 | 199,966 | 231,034 | - |
| Cash and cash equivalents at end of period | 295,806 | 257,640 | 199,966 | - |
COLONY BANKCORP INC (CBAN)
COLONY BANKCORP INC (CBAN)