Colony Bankcorp, Inc. is a bank holding company, which engages in the stockholder and investor relations functions through its subsidiary, Colony Bank. The company is headquartered in Fitzgerald, Georgia and currently employs 496 full-time employees. The Bank's product line includes loans to small and medium-sized businesses, residential and commercial construction and land development loans, commercial real estate loans, commercial loans, agri-business and production loans, residential mortgage loans, home equity loans, consumer loans and a variety of demand, savings and time deposit products. The firm operates through three segments: the Banking Division, the Retail Mortgage Division and the Small Business Specialty Lending Division. The Banking Division derives full-service financial services, including commercial loans, consumer loans and deposit accounts. The Retail Mortgage offers services for one-to-four family residential mortgage loans. The Small Business Specialty Lending Division offers small business administration (SBA) and United States Department of Agriculture (USDA) government guaranteed loans.