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UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31 , 2020 OR FORM 10 - K TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from to Georgia ( State or Other Jurisdiction of Incorporation or Organization ) Commission File Number 000-12436 COLONY BANKCORP , INC . ( Exact Name of Registrant Specified in its Charter ) 115 South Grant Street Fitzgerald , Georgia ( Address of Principal Executive Offices ) COLONY BANKCORP , INC . Title of each class Common Stock , Par Value $ 1.00 per share CBAN Securities Registered Pursuant to Section 12 ( g ) of the Act : None . 58-1492391 ( I.R.S. Employer Identification Number ) ( 229 ) 426-6000 Registrant's Telephone Number , Including Area Code Securities Registered Pursuant to Section 12 ( b ) of the Act : Trading Symbol ( s ) 1 31750 ( Zip Code ) Name of each Exchange on which registered The NASDAQ Stock Market