What is the nature of the 990-share grant reported for Colony Bankcorp (CBAN)?

The 990-share position is reported as a grant or award of Colony Bankcorp common stock. A footnote explains these shares were granted in 2025 under the Colony Bankcorp, Inc. 2020 Incentive Plan , indicating a compensation-related equity award.

Colony Bankcorp (CBAN) director reports 990-share stock award on Form 4

Q: How are reinvested dividends reflected in Paul E. Joiner III’s CBAN holdings?

The Form 4 notes that the 4,522 directly held shares of Colony Bankcorp common stock include shares acquired through reinvested dividends , meaning some of the reported total results from automatic dividend reinvestment rather than separate purchase transactions.

Q: How are Paul E. Joiner III’s 401k holdings in Colony Bankcorp (CBAN) reported?

The filing shows 6,150 CBAN shares held indirectly with ownership described as “401k” . This indicates the shares are held through a retirement plan, reported as indirect ownership rather than directly in the director’s personal brokerage account.

Q: Were the reported CBAN transactions made under a Rule 10b5-1 trading plan?

The document-level Rule 10b5-1 checkbox is indicated as false , so these transactions are not affirmatively reported as being executed under a pre-arranged Rule 10b5-1 trading plan in this Form 4.

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

Colony Bankcorp director Paul E. Joiner III reported an equity grant of 990 shares of Colony Bankcorp, Inc. common stock on 2026-07-01, coded as a grant/award acquisition. Footnotes state these shares were granted in 2025 under the Colony Bankcorp, Inc. 2020 Incentive Plan.

After this award, Joiner directly holds 4,522 shares, which include shares acquired through reinvested dividends, and indirectly holds 6,150 shares through a 401k plan.

Insider Trade Summary

Net Buyer: 990 shares

Net Buy 2 txns

Insider Joiner Paul E III

Role Director

Type	Security	Shares	Price	Value
Grant/Award	COLONY BANKCORP, INC COMMON STOCK ^{F1, F2}	990	--	--
holding	COLONY BANKCORP, INC COMMON STOCK	--	--	--

Holdings After Transaction: COLONY BANKCORP, INC COMMON STOCK — 4,522 shares (Direct); COLONY BANKCORP, INC COMMON STOCK — 6,150 shares (Indirect, 401k)

Footnotes (2)

F1. Shares granted 2025 per Colony Bankcorp, Inc. 2020 Incentive Plan.
F2. Includes shares acquired through reinvested dividends.

Key Figures

Shares granted: 990 shares Direct holdings after grant: 4,522 shares Indirect 401k holdings: 6,150 shares +2 more

5 metrics

Shares granted 990 shares Grant/award of common stock on 2026-07-01

Direct holdings after grant 4,522 shares Direct Colony Bankcorp common stock, including reinvested dividends, after the reported award

Indirect 401k holdings 6,150 shares Indirect ownership through a 401k plan as reported in the holding entry

Grant/award acquisitions 1 Number of acquisition-type transactions (code A) reported

Holding entries 1 Reported holding line for indirect 401k ownership

Key Terms

401k, 2020 Incentive Plan, reinvested dividends, indirect ownership

4 terms

401k financial

"Indirect ownership classified as "401k" for plan holdings."

An employer-sponsored retirement savings plan in the United States that lets workers set aside part of their paycheck into investments with tax advantages; some plans also include employer matching contributions, which is like free money added to your savings. It matters to investors because 401(k) balances represent a large pool of household retirement assets that influence personal financial security, investor behavior, and long-term demand for stocks and bonds.

2020 Incentive Plan financial

"Shares granted 2025 per Colony Bankcorp, Inc. 2020 Incentive Plan."

reinvested dividends financial

"Includes shares acquired through reinvested dividends."

Reinvested dividends are payouts a shareholder receives from a company that are automatically used to buy additional shares instead of being taken as cash. For investors this acts like planting dividends back into the portfolio so each future payout can come from a slightly larger holding, helping returns compound over time and showing the difference between income you spend today and total growth of your investment.

indirect ownership financial

"Indirect ownership reported through a 401k plan."

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 07/17/2026 - 04:53 PM Accepted by SEC EDGAR 07/17/2026 - 04:53 PM

FAQ

What insider transaction did Colony Bankcorp (CBAN) report for Paul E. Joiner III?

Colony Bankcorp reported that director Paul E. Joiner III received a grant of 990 shares of common stock on 2026-07-01, classified as a grant/award acquisition rather than an open-market purchase or sale.

How many Colony Bankcorp (CBAN) shares does Paul E. Joiner III hold after this Form 4?

Following the reported grant, Paul E. Joiner III directly holds 4,522 CBAN shares and indirectly holds 6,150 CBAN shares through a 401k plan, according to the post-transaction ownership figures in the Form 4.

How are reinvested dividends reflected in Paul E. Joiner III’s CBAN holdings?

The Form 4 notes that the 4,522 directly held shares of Colony Bankcorp common stock include shares acquired through reinvested dividends, meaning some of the reported total results from automatic dividend reinvestment rather than separate purchase transactions.

How are Paul E. Joiner III’s 401k holdings in Colony Bankcorp (CBAN) reported?

The filing shows 6,150 CBAN shares held indirectly with ownership described as “401k”. This indicates the shares are held through a retirement plan, reported as indirect ownership rather than directly in the director’s personal brokerage account.

Were the reported CBAN transactions made under a Rule 10b5-1 trading plan?

The document-level Rule 10b5-1 checkbox is indicated as false, so these transactions are not affirmatively reported as being executed under a pre-arranged Rule 10b5-1 trading plan in this Form 4.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Joiner Paul E III

(Last)

(First)

(Middle)

115 S GRANT STREET

(Street)

FITZGERALD

GEORGIA

31750

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
COLONY BANKCORP INC [ CBAN ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
	Officer (give title below)	Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
07/01/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
COLONY BANKCORP, INC COMMON STOCK	07/01/2026	07/16/2026	A		990	A	⁽¹⁾	4,522⁽²⁾	D
COLONY BANKCORP, INC COMMON STOCK								6,150	I	401k

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. Shares granted 2025 per Colony Bankcorp, Inc. 2020 Incentive Plan.

2. Includes shares acquired through reinvested dividends.

	/s/ Paul Joiner, Attorney-in-Fact	07/17/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR