CBANHIGH SIGNALFINANCIAL10-K

CBAN experienced dramatic balance sheet expansion with concerning deterioration in profitability metrics and cash generation.

The bank's massive 903% increase in cash and equivalents alongside 20% asset growth suggests significant capital raising or acquisition activity that fundamentally altered the business structure. However, the 450% surge in credit loss provisions combined with negative operating cash flows indicates serious asset quality deterioration and operational stress that could signal underlying credit problems.

Comparing 2026-03-13 vs 2025-03-14View on EDGAR →
FINANCIAL ANALYSIS

CBAN underwent substantial balance sheet expansion with total assets growing 20% to $3.7B and deposits increasing 19.5% to $3.1B, while stockholders' equity strengthened 35% to $375.9M. However, operational metrics deteriorated sharply with interest expenses surging 330% to $46.7M, provision for credit losses jumping 450% to $1.1M, and operating cash flow turning negative at -$5.5M from positive $23.4M. The dramatic cash buildup (+903%) combined with deteriorating credit metrics and negative cash generation suggests the bank raised capital to address emerging asset quality issues.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
+903.1%
$10.4M→$104.1M

Cash position surged 903.1% — strong cash generation or capital raise providing significant financial cushion.

Provision for Credit Losses
P&L
+450.6%
$201K→$1.1M

Credit loss provisions surged 450.6% — management flagging significant deterioration in loan quality ahead.

Interest Expense
P&L
+329.6%
$10.9M→$46.7M

Interest expense surged 329.6% — significant debt increase or rising rates materially impacting earnings.

Operating Cash Flow
Cash Flow
-123.7%
$23.4M→-$5.5M

Operating cash flow fell 123.7% — earnings quality concerns; investigate working capital changes and non-cash items.

Share Buybacks
Cash Flow
+81.5%
$1.3M→$2.4M

Share repurchases increased 81.5% — management returning capital, signals confidence in intrinsic value.

Stockholders Equity
Balance Sheet
+34.9%
$278.7M→$375.9M

Equity base grew 34.9% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Capital Expenditure
Cash Flow
+25.4%
$1.1M→$1.4M

Capex increased 25.4% — ongoing investment in capacity or infrastructure for future growth.

Total Assets
Balance Sheet
+20.1%
$3.1B→$3.7B

Asset base grew 20.1% — expansion through organic growth, acquisitions, or capital deployment.

Total Deposits
Balance Sheet
+19.5%
$2.6B→$3.1B

Deposits grew 19.5% — expanding customer base or increased trust in the institution.

Total Liabilities
Balance Sheet
+18.7%
$2.8B→$3.4B

Liabilities increased 18.7% — monitor debt-to-equity ratio and interest coverage.

LANGUAGE CHANGES
NEW — 2026-03-13
PRIOR — 2025-03-14
ADDED
common stock held by non-affiliates was $ 275.2 million based on the closing price of $16.47 per share on June 30, 2025.
common stock, par value $1.00 per share, as of March 11, 2026, was 21,166,315 shares.
financial system and those related to credit card interest rates; a deterioration of the credit rating for U.S.
We operate locations throughout Georgia as well as in Birmingham, Alabama, and Jacksonville, Santa Rosa Beach and Tallahassee, Florida.
At December 31, 2025, we had approximately $3.7 billion in total assets, $2.5 billion in total loans, $3.1 billion in total deposits and $375.9 million in stockholder s equity.
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REMOVED
common stock held by non-affiliates was $ 206.6 million based on the closing price of $12.25 per share on June 30, 2024.
common stock, par value $1.00 per share, as of March 12, 2025, was 17,520,136 shares.
could default on its debt obligations, inflation or deflation, changes in the demand for loans, and fluctuations in consumer spending, borrowing and savings habits, which may have an adverse impact on our financial condition; uncertainties surrounding geopolitical events, trade policy, taxation policy, and monetary policy which continue to impact the outlook for future economic growth, including U.S.
We operate locations throughout Georgia as well as in Birmingham, Alabama; Tallahassee, Florida; and the Florida Panhandle.
At December 31, 2024, we had approximately $3.1 billion in total assets, $1.9 billion in total loans, $2.6 billion in total deposits and $278.7 million in stockholder s equity.
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