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Colony Bankcorp (CBAN) Risk Analysis
Risk Overview Q1, 2026
Source: the company's latest filing for the period ended Mar 31, 2026, filed May 08, 2026
Risk Change Over Time
- Share Price & Shareholder Rights - Risk 1Item 2 – unregistered sale of equity securities, use of proceeds, and issuer purchases of equity securities
(a)There were no unregistered shares of the Company's common stock sold during the three-month period ended March 31, 2026. (b)Not applicable. (c)The table below sets forth information regarding repurchases of our common stock during the first quarter of 2026. ???????????? ? ? ?? ? ? ??? ? ? ?Total Number of Shares ? ? ?Maximum Approximate Dollar???????Purchased as Part of?Value of Shares that May Yet Be??Total Number of?Average Price Paid?Publicly Announced Plans?Purchased Under the Plans or(dollars in thousands, except per share data)?Shares Repurchased?per Share?or Programs?ProgramsJanuary 1, 2026 to January 31, 2026 -?$ - - $ -February 1, 2026 to February 28, 2026 35,672? 19.97 35,672 6,674March 1, 2026 to March 31, 2026 53,437? 19.66 53,437 5,624Total 89,109?$ 19.78 89,109 $ 5,624 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 open market purchases, privately negotiated transactions or such other manners as will comply with applicable laws and regulations. The timing and actual number of shares repurchased will depend on a variety of factors including price, corporate and regulatory requirements, market conditions and other corporate liquidity requirements and priorities. The buyback program does not obligate the Company to purchase any particular number of shares and there is no guarantee as to the exact number of shares that will be repurchased by the Company. An extension was previously authorized by the Board in December 2024 which extended the program through the end of 2025. This authorization extends the program until the end of 2026 but may be suspended, modified or terminated by the Company at any time and for any reason, without prior notice.
- Share Price & Shareholder Rights - Risk 2Item 3 – defaults upon senior securities
None.
- Corporate Activity and Growth - Risk 3Item 5 – other information
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.
Risk Highlights Q1, 2026
Risk Word Cloud
Risk Factors Full Breakdown - Total Risks 48
- Share Price & Shareholder Rights - Risk 1AddedItem 2 – unregistered sale of equity securities, use of proceeds, and issuer purchases of equity securities
(a)There were no unregistered shares of the Company's common stock sold during the three-month period ended March 31, 2026. (b)Not applicable. (c)The table below sets forth information regarding repurchases of our common stock during the first quarter of 2026. ???????????? ? ? ?? ? ? ??? ? ? ?Total Number of Shares ? ? ?Maximum Approximate Dollar???????Purchased as Part of?Value of Shares that May Yet Be??Total Number of?Average Price Paid?Publicly Announced Plans?Purchased Under the Plans or(dollars in thousands, except per share data)?Shares Repurchased?per Share?or Programs?ProgramsJanuary 1, 2026 to January 31, 2026 -?$ - - $ -February 1, 2026 to February 28, 2026 35,672? 19.97 35,672 6,674March 1, 2026 to March 31, 2026 53,437? 19.66 53,437 5,624Total 89,109?$ 19.78 89,109 $ 5,624 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 open market purchases, privately negotiated transactions or such other manners as will comply with applicable laws and regulations. The timing and actual number of shares repurchased will depend on a variety of factors including price, corporate and regulatory requirements, market conditions and other corporate liquidity requirements and priorities. The buyback program does not obligate the Company to purchase any particular number of shares and there is no guarantee as to the exact number of shares that will be repurchased by the Company. An extension was previously authorized by the Board in December 2024 which extended the program through the end of 2025. This authorization extends the program until the end of 2026 but may be suspended, modified or terminated by the Company at any time and for any reason, without prior notice.
- Share Price & Shareholder Rights - Risk 2AddedItem 3 – defaults upon senior securities
None.
- Share Price & Shareholder Rights - Risk 3We could recognize losses on securities held in our securities portfolio, particularly if interest rates increase or economic and market conditions deteriorate.
Changes in interest rates may negatively affect both the returns on and market value of our investment securities. Interest rate volatility can reduce unrealized gains or increase unrealized losses in our portfolio. Interest rates are highly sensitive to many factors including monetary policies, domestic and international economic and political issues, and other factors beyond our control. These changes can negatively impact our other comprehensive income and equity levels through accumulated other comprehensive income, which includes net unrealized gains and losses on our investment securities. Further, such losses could be realized into earnings should liquidity and/or business strategy necessitate the sales of securities in a loss position. Periods of market stress or deposit outflows could increase the likelihood that we would need to sell securities at unfavorable prices. Additionally, actual investment income and cash flows from investment securities that carry prepayment risk, such as mortgage-backed securities and callable securities, may materially differ from those anticipated at the time of investment or subsequently as a result of changes in interest rates and market conditions. In a rising-rate environment, slower prepayments or extensions of expected maturities could increase interest rate sensitivity and reduce portfolio liquidity. These occurrences could have a material adverse effect on our net interest income or our results of operations.
- Share Price & Shareholder Rights - Risk 4An investment in our common stock is not an insured deposit and may lose value.
Securities that we issue, including our common stock are not savings or deposit accounts or other obligations of any bank, insured by the FDIC, any other governmental agency or instrumentality, or any private insurer, and are subject to investment risk, including the possible loss of our shareholders' investments. Investment in our common stock is inherently risky for the reasons described herein, and is subject to the same market forces that affect the price of common stock in any company. As a result, if you acquire our common stock, you could lose some or all of your investment.
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