First Quarter 2025 Investor Presentation
CAUTIONARY STATEMENTS
This presentation contains "forward-looking statements" within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In addition, certain statements may be contained in
Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve known and unknown risks and uncertainties. Factors that might cause such differences include, but are not limited to: the impact of current and future economic conditions, particularly those affecting the financial services industry, including the effects of declines in the real estate market, tariffs or trade wars (including the resulting reduced consumer spending, lower economic growth or recession, reduced demand for
Forward-looking statements speak only as of the date on which such statements are made. These forward-looking statements are based upon information presently known to the Company's management and are inherently subjective, uncertain and subject to change due to any number of risks and uncertainties, including, without limitation, the risks and other factors set forth in the Company's filings with the
2
COMPANY PROFILE
Georgia's largest community bank by deposit market share(1)$3.2 billion in assets as ofMarch 31, 2025 - 36 locations in
Georgia , 1 inAlabama and 2 inFlorida - Diversification of revenue streams
- Track record of solid organic growth
- Increase in deposit franchise
- Community bank defined as having less than
3
EXECUTIVE LEADERSHIP TEAM
|
|
Position |
Years In |
Years With |
|
Banking |
Colony |
||
|
|
EVP, |
21 |
21 |
|
|
EVP, |
28 |
5 |
|
Bateman |
|||
|
|
EVP, Chief Banking Officer |
42 |
2 |
|
|
President |
33 |
3 |
|
|
EVP, Chief of Staff |
18 |
6 |
|
|
Chief Executive Officer |
25 |
6 |
|
|
EVP, Chief Information Officer |
18 |
18 |
|
|
EVP, Chief Administrative Officer |
22 |
4 |
|
|
EVP, Chief Financial Officer |
11 |
4 |
6
OBJECTIVES AND FOCUS
Short-Term Objectives
- Achieve performance objectives in complementary lines of business
- Maintain noninterest expense discipline to align with growth expectations
- Achieve retuon assets target of 1.00%
- Focus on growing core deposits and customer relationships
- Growing wallet share and revenue per customer using data advancements
Long-Term Objectives
- 5 complementary lines of business >
$1 million in net income - Improve efficiency through economies of scale
- Retuon assets in top quartile of peers
- Continue to benefit from industry consolidation
- Grow our customer base by 8 - 12% per year
7
ORGANIC GROWTH
- Presence in dynamic growth markets of
Atlanta ,Augusta ,Birmingham ,North Florida and Savannah provides opportunity for above average growth - Second-tierMSA markets of
Albany ,Columbus ,Macon andValdosta have significant market share held by large regional and national banks, creating the opportunity for growth in market share - Smaller markets where Colony has stable deposits and significant market shares creates the opportunity to grow insurance, wealth management and other complementary lines of business
- Utilization of data improves the effectiveness of marketing and business development activity
- Proactive calling effort by bankers, including executive and senior management, to develop new business and deepen relationships
- Expect to retuto 8 - 12% organic growth run rate by the end of 2025
8
M&A STRATEGY
• Colony seeks to benefit from
industry consolidation and become the acquirer of choice in
• 319 banks under
• 87 banks between
• Proactive outreach effort to generate opportunities
• Management team with deep M&A experience
9
ELLERBEE AGENCY ACQUISITION
- Expansion of
Colony Insurance into additional markets ofMonroe ,Greensboro , andLake Oconee - Creates a scalable operation that can continue to grow organically and by leveraging future bank acquisitions
- Purchase price of
$3.5 million and immediately accretive to earnings per share of approximately$0.02 in the first full year with expected increases thereafter - Agency achieved approximately
$15 million in annual premiums and$2 million in annual gross revenue in 2024 - Minimal tangible book value dilution estimated at
$0.20 per share - Addition of
Sean Ellerbee which brings depth to the insurance management team with a focus on sales and training
10
Attachments
Disclaimer


AM Best Affirms Credit Ratings of Interamericana de Fianzas y Seguros, S.A.
Financial Supplement Q1 2025
Advisor News
- Semi-retirement: helping clients balance flexibility with financial security
- The 6X Formula for leveraging content marketing with AI
- When a home becomes difficult to insure, the plan changes
- The inheritance gap: Helping clients plan for money that hasn’t arrived
- After the midterms: Addressing your clients’ tax concerns
More Advisor NewsAnnuity News
- Athene CEO criticizes offshore reinsurance, risk-taking by competitors
- DOL, trade groups, state AGs file briefs supporting Alcoa in PRT lawsuit
- John Hancock launches new fixed indexed annuity suite
- Annuities to play a larger role in workplace retirement plans
- FHLBank Pittsburgh Announces Results in 2026 Board Election
More Annuity NewsHealth/Employee Benefits News
- Sen. Baldwin proposes lowering Medicare eligibility age to 50
- SENS. OSSOFF CONTINUING PUSH TO BAN HEALTH INSURANCE COMPANIES FROM DENYING OR DELAYING NEEDED HEALTH CARE
- Reed: Can this father be appointed child's guardian?
- Data on Managed Care Described by Researchers at Johns Hopkins University (Locating the Gender Payment Gap Among Recent Cardiothoracic Surgery Graduates: A Bottom-up Analysis of Medicare Payments): Managed Care
- Medicare Advantage stays in Coos, Carroll counties after Ayotte recruits insurer
More Health/Employee Benefits NewsLife Insurance News
- AM Best Affirms Credit Ratings of Fubon Insurance Vietnam Co., Ltd.
- Three lawsuits put life insurers’ cost-of-insurance practices under scrutiny
- Military Briefs: November 12-18
- Security Benefit Series B Preferred Stock Dividend Rate Resets to 10.286%
- FHLBank Pittsburgh Announces Results in 2026 Board Election
More Life Insurance News