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Regulatory Capital Matters | 9 Months Ended
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Sep. 30, 2024
Banking And Thrift Disclosure [Abstract] |
Regulatory Capital Matters | Regulatory Capital Matters 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 September 30, 2024, 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 September 30, 2024, 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 September 30, 2024 and December 31, 2023 on a consolidated basis and for the subsidiary, as defined. Regulatory capital ratios for September 30, 2024 and December 31, 2023 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 September 30, 2024 |  |  |  |  |  |  |  |  |  |  |
Total Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Consolidated | $ | 347,219 |  |  | 16.48 | % |  | $ | 168,553 |  |  | 8.00 | % |  | $ | 210,691 |  |  | 10.00 | %
Colony Bank | 307,618 |  |  | 14.65 |  |  | 167,983 |  |  | 8.00 |  |  | 209,978 |  |  | 10.00 |
Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Consolidated | 287,756 |  |  | 13.66 |  |  | 126,394 |  |  | 6.00 |  |  | 168,525 |  |  | 8.00 |
Colony Bank | 286,942 |  |  | 13.67 |  |  | 125,944 |  |  | 6.00 |  |  | 167,925 |  |  | 8.00 |
Common Equity Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Consolidated | 263,527 |  |  | 12.51 |  |  | 94,794 |  |  | 4.50 |  |  | 136,925 |  |  | 6.50 |
Colony Bank | 286,942 |  |  | 13.67 |  |  | 94,458 |  |  | 4.50 |  |  | 136,439 |  |  | 6.50 |
Tier 1 Capital to Average Assets |  |  |  |  |  |  |  |  |  |  |
Consolidated | 287,756 |  |  | 9.51 |  |  | 121,033 |  |  | 4.00 |  |  | 151,291 |  |  | 5.00 |
Colony Bank | 286,942 |  |  | 9.51 |  |  | 120,691 |  |  | 4.00 |  |  | 150,863 |  |  | 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, 2023 |  |  |  |  |  |  |  |  |  |  |
Total Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Consolidated | $ | 337,159 |  |  | 15.47 | % |  | $ | 174,355 |  |  | 8.00 | % |  | $ | 217,944 |  |  | 10.00 | %
Colony Bank | 300,497 |  |  | 13.85 |  |  | 173,572 |  |  | 8.00 |  |  | 216,965 |  |  | 10.00 |
Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Consolidated | 278,196 |  |  | 12.77 |  |  | 130,711 |  |  | 6.00 |  |  | 174,281 |  |  | 8.00 |
Colony Bank | 280,751 |  |  | 12.94 |  |  | 130,178 |  |  | 6.00 |  |  | 173,571 |  |  | 8.00 |
Common Equity Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |
Consolidated | 253,967 |  |  | 11.66 |  |  | 98,015 |  |  | 4.50 |  |  | 141,577 |  |  | 6.50 |
Colony Bank | 280,751 |  |  | 12.94 |  |  | 97,634 |  |  | 4.50 |  |  | 141,026 |  |  | 6.50 |
Tier 1 Capital to Average Assets |  |  |  |  |  |  |  |  |  |  |
Consolidated | 278,196 |  |  | 9.17 |  |  | 121,350 |  |  | 4.00 |  |  | 151,688 |  |  | 5.00 |
Colony Bank | 280,751 |  |  | 9.28 |  |  | 121,013 |  |  | 4.00 |  |  | 151,267 |  |  | 5.00 |

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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