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