The amount of dividends payable to the parent company from the subsidiary bank is limited by various banking regulatory agencies. Upon approval by regulatory authorities, the Bank may pay cash dividends to the parent company in excess of regulatory limitations.

As of June 30, 2025, the Company and the Bank were categorized as well-capitalized under the regulatory framework for prompt corrective action in effect at such time. To be categorized as well-capitalized, the Company and the Bank must have exceeded the well-capitalized guideline ratios in effect at the time, as set forth in the tables below, and have met certain other requirements. Management believes that the Company and the Bank exceeded all well-capitalized requirements at June 30, 2025, and there have been no conditions or events since quarter-end that would change the status of well-capitalized.

The following tables summarize regulatory capital information as of June 30, 2025 and December 31, 2024 on a consolidated basis and for the subsidiary, as defined. Regulatory capital ratios for June 30, 2025 and December 31, 2024 were calculated in accordance with the Basel III rules.


(dollars in thousands)	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of June 30, 2025
Total Capital to Risk-Weighted Assets
Consolidated	$	358,717	16.06	%	$	178,688	8.00	%	$	223,361	10.00	%
Colony Bank	314,562		14.14		177,970		8.00		222,463		10.00

Tier 1 Capital to Risk-Weighted Assets
Consolidated	299,773		13.42		134,027		6.00		178,702		8.00
Colony Bank	294,474		13.24		133,447		6.00		177,930		8.00

Common Equity Tier 1 Capital to Risk-Weighted Assets
Consolidated	275,544		12.34		100,482		4.50		145,141		6.50
Colony Bank	294,474		13.24		100,086		4.50		144,568		6.50

Tier 1 Capital to Average Assets
Consolidated	299,773		9.61		124,775		4.00		155,969		5.00
Colony Bank	294,474		9.48		124,251		4.00		155,313		5.00


(dollars in thousands)	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2024
Total Capital to Risk-Weighted Assets
Consolidated	$	352,495	17.10	%	$	164,910	8.00	%	$	206,137	10.00	%
Colony Bank	314,266		15.29		164,430		8.00		205,537		10.00

Tier 1 Capital to Risk-Weighted Assets
Consolidated	293,893		14.26		123,658		6.00		164,877		8.00
Colony Bank	294,474		14.33		123,297		6.00		164,396		8.00

Common Equity Tier 1 Capital to Risk-Weighted Assets
Consolidated	269,664		13.08		92,774		4.50		134,007		6.50
Colony Bank	294,474		14.33		92,473		4.50		133,572		6.50

Tier 1 Capital to Average Assets
Consolidated	293,893		9.50		123,744		4.00		154,681		5.00
Colony Bank	294,474		9.55		123,340		4.00		154,175		5.00