Colony Bank
Community bank founded in 1975 in Fitzgerald, Georgia, offering full-service personal and business banking, loans, mortgages, insurance, and digital banking across Georgia, Alabama, and Florida locations.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (35 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Colony Bank ranks #79 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Colony Bank’s 7(a) acquisition lending falls in the $0-$500K range: 11 loans, 31.4% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 11 | 31.4% | |
| $500K-$1M | 11 | 31.4% | |
| $1M-$2M | 5 | 14.3% | |
| $2M-$3M | 2 | 5.7% | |
| $3M-$4M | 3 | 8.6% | |
| $4M-$5M | 3 | 8.6% |
Industries with highest loan volume
Full-Service Restaurants
3
loans
$1.1M
avg. amount
All Other Rubber Product Manufacturing
2
loans
$2.2M
avg. amount
Offices of Chiropractors
2
loans
$200K
avg. amount
Janitorial Services
2
loans
$1.4M
avg. amount
Limited-Service Restaurants
2
loans
$495K
avg. amount
Gasoline Stations with Convenience Stores
2
loans
$2.5M
avg. amount
Support Activities for Oil and Gas Operations
2
loans
$3.7M
avg. amount
Pharmacies and Drug Retailers
1
loans
$4.6M
avg. amount
Musical Instrument and Supplies Retailers
1
loans
$651K
avg. amount
Painting and Wall Covering Contractors
1
loans
$1.0M
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
Colony Bank’s median variable rate is + 2.75%, against a market median of Prime + 1.88%, 88 above market.
It priced below the market median in 0 of the last 4 quarters. 1 of the 35 loans in its trailing three-year book carried a fixed rate; the rest were variable.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.80% |
| $500K-$1M | Prime + 2.75% |
| $1M-$2M | Prime + 2.70% |
| $2M-$3M | Prime + 3.00% |
| $3M-$4M | Prime + 2.33% |
| $4M-$5M | Prime + 2.33% |
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q3 '24 | Prime + 2.63% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q4 '24 | Prime + 3.13% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 4 |
| Q1 '25 | Prime + 2.88% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q4 '25 | Prime + 3.00% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 3 |
Colony Bank has originated 7(a) acquisition loans in 16 states, most actively in Florida (9), Georgia (4) and Texas (4). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Florida | 9 | 25.7% |
| Georgia | 4 | 11.4% |
| Texas | 4 | 11.4% |
| Oklahoma | 3 | 8.6% |
| Illinois | 2 | 5.7% |
| South Carolina | 2 | 5.7% |
| Iowa | 2 | 5.7% |
| New Hampshire | 1 | 2.9% |
| New York | 1 | 2.9% |
| New Mexico | 1 | 2.9% |
| Maryland | 1 | 2.9% |
| Virginia | 1 | 2.9% |
| Oregon | 1 | 2.9% |
| Ohio | 1 | 2.9% |
| Nevada | 1 | 2.9% |
| Maine | 1 | 2.9% |
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