Colony Bankcorp is a community bank holding company headquartered in Fitzgerald, Georgia, operating through its subsidiary Colony Bank. Colony provides traditional commercial and retail banking services across a network of branches spanning roughly 35+ Georgia cities, plus select locations in Alabama and Florida. Colony's core business is lending and deposit-taking: it serves small and medium-sized businesses, real estate developers, homebuilders, and individual consumers with products including commercial real estate loans, construction loans, commercial and industrial loans, residential mortgages, and consumer loans. Deposits fund the loan book, and Colony has prioritized building low-cost, non-interest-bearing transaction accounts. Beyond core banking, Colony runs several fee-generating businesses: a Small Business Specialty Lending unit that originates and sells SBA and USDA government-guaranteed loans, a mortgage origination business, marine and RV lending, a property and casualty insurance agency, a wealth management unit with over $460M in assets under management, merchant services, and treasury solutions for commercial clients. Colony's growth strategy combines organic expansion — deepening commercial relationships and growing core deposits — with acquisitions of community banks in Georgia and adjacent states, targeting sub-$1B asset deals where cultural fit is emphasized over auction pricing. The December 2025 acquisition of TC Federal Bank added roughly $400M in assets and four branches across Georgia and Florida.