BORROWINGS (Tables)

12 Months Ended

Dec. 31, 2025

Debt Disclosure [Abstract]

Schedule of Outstanding Borrowings

The following table presents information regarding the Company’s outstanding borrowings at December 31, 2025:

Description	Maturity Date	Amount		Interest Rate
(dollars in thousands)
FHLB Advances	December 22, 2027	$	15,000	4.00%
FHLB Advances	January 28, 2028	20,000		3.87%
FHLB Advances	February 15, 2028	20,000		3.83%
FHLB Advances	April 5, 2028	25,000		3.69%
FHLB Advances	April 6, 2026	25,000		3.90%
FHLB Advances	May 2, 2029	30,000		4.73%
FHLB Advances	March 25, 2026	25,000		3.78%
FHLB Advances	March 26, 2026	25,000		3.78%
FHLB Advances	November 6, 2026	10,000		4.14%
Fair Value Adjustment for FHLB Borrowings assumed		(28)		N/A
Subordinated notes, net of issuance costs	May 20, 2032	38,903		5.25%
Subordinated debentures	(1)	24,229		(1)
Total borrowings		$	258,104

(1) See individual maturity dates and interest rates in table below.

The following table presents information regarding the Company’s outstanding borrowings at December 31, 2024:

Description	Maturity Date	Amount		Interest Rate
(dollars in thousands)
FHLB Advances	December 22, 2027	$	15,000	4.00%
FHLB Advances	January 28, 2028	20,000		3.87%
FHLB Advances	February 15, 2028	20,000		3.83%
FHLB Advances	April 5, 2028	25,000		3.69%
FHLB Advances	April 6, 2026	25,000		3.90%
FHLB Advances	May 2, 2029	30,000		4.73%
FHLB Advances	March 25, 2025	25,000		4.46%
FHLB Advances	March 26, 2025	25,000		4.46%
Subordinated notes	May 20, 2032	38,810		5.25%
Subordinated debentures	(1)	24,229		(1)
Total borrowings		$	248,039

(1) See individual maturity dates and interest rates in table below.

Schedule of Subordinated Debentures

The following table presents the information regarding the Company's subordinated debentures at December 31, 2025 and 2024. All subordinated debentures are at benchmark rates based on SOFR plus a spread adjustment plus a margin at December 31, 2025.

 

Description	Date	Amount		Added Margin	Total Interest Rate		Maturity	5-Year Call Option
(dollars in thousands)
Colony Bankcorp Statutory Trust III	June 16, 2004	$	4,640	2.68%	6.65	%	June 17, 2034	June 17, 2009
Colony Bankcorp Capital Trust I	April 13, 2006	5,155		1.50%	5.43	%	June 30, 2036	April 13, 2011
Colony Bankcorp Capital Trust II	March 12, 2007	9,279		1.65%	5.60	%	March 30, 2037	March 12, 2012
Colony Bankcorp Capital Trust III	September 14, 2007	5,155		1.40%	5.50	%	October 30, 2037	September 14, 2012
Total		$	24,229