Colony Bank

Overview / Commentary
302 South Main Street
Fitzgerald, GA 31750

Colony Bank is headquartered in FITZGERALD and is the 5th largest bank in the state of Georgia. It is also the 396th largest bank in the nation. It was established in 1976 and as of March of 2024, it had grown to 451 employees at 30 locations. Colony Bank has an A health rating.

Reviews (2)

Experience With Colony Bank

Posted by: |

I have banked at my local bank for several years. The bank has grown a bit in this time but is still a local institution that I enjoy doing business with. I feel that their rates and fees are pretty much in line with competitors in the area. The website and mobile apps could be a little more user friendly in my opinion. Customer service has always been good with the exception of one teller who simply never has a smile or kind word to say.

Cashing Checks

Posted by: |

The biggest gripe with Colony Bank is dealing with cashing checks. No matter what kind of check, even a government issued check in the account holder's name is difficult to cash. If the account holder does not have the funds in their own account to cover the check, Colony Bank will not cash the check. This practise negates the whole purpose of checks. Colony bank wants the account holder to deposite the check in their account.

The staff are very friendly.


Health Grade Components

FDIC Certificate #22257
Year Established1976
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD8.17%
Annual Interest Income$33.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$3.01B$2.99B
LoansQ1 2024vs Q1 2023$1.87B$1.8B
DepositsQ1 2024vs Q1 2023$2.55B$2.56B
Equity CapitalQ1 2024vs Q1 2023$288.5MM$257.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$18.7MM$16.6MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.7MM$5.6MM
Real Estate OwnedQ1 2024vs Q1 2023$562K$651K
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Colony Bank CD Rates

4.75%$500-5 Month CD Special - New Money
4.50%$500-11 Month CD Special- New Money
4.25%$500-9 Month CD Special
4.10%$500-15 Month CD Special


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