Is Colony Bank Safe?
Colony Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (61/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.85% | 91/100 |
| Nonperforming Loan Ratio | 0.35% | 93/100 |
| Liquidity Ratio | 30.11% | 100/100 |
| Return on Assets | 1.01% | 61/100 |
| Total Assets | $3.0B | |
How does Colony Bank compare?
With a Bank Health Score of 91/100, Colony Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Georgia, where 123 FDIC-insured banks are headquartered, Colony Bank ranks above the state average of 76/100 (Grade B).
The bank's Tier 1 capital ratio of 13.85% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.35% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Colony Bank's Bank Health Score improved by 5.0 points to 91/100. Tier 1 capital strengthened by 1.29 percentage points to 13.85%. Quarter-over-quarter, the score rose by 1.0 points.
Colony Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (61/100).