Affinity Bancshares, Inc.

Listed Company

AFBICIK 0001823406NasdaqNon-AcceleratedSmaller ReportingSavings Institutions, Not Federally CharteredMarylandFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$8.33M

Total Assets

$881.70M

Equity

$127.02M

Shares Out

6.09M

Op. Cash Flow

$11.64M

AFBI$22.74+21.09% · past yearDBEQ Basic

Daily closing prices

Business

Affinity Bancshares, Inc. is a bank holding company that conducts operations through its wholly owned subsidiary, Affinity Bank, a national bank. The bank accepts deposits from customers and invests those deposits in commercial real estate loans, commercial and industrial loans, residential mortgage loans, construction and land loans, and consumer loans, with specialized lending expertise in dental practices. Affinity Bank operates branch offices in Georgia and conducts nationwide deposit gathering through its virtual bank, FitnessBank, and operates an indirect automobile lending division, Affinity Bank Dealer Select.

Summary from 10-K filed 2026-03-20

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	45	41	35	30	31
Investment securities	3	4	4	1	789,000
Interest-earning deposits	3	2	3	771,000	180,000
Total interest income	51	48	43	32	32
Deposits	18	16	14	3	3
FHLB advances and other borrowings	2	2	1	−854,000	497,000
Total interest expense	20	19	16	—	—
Net interest income before provision for credit losses	31	29	27	30	29
Provision for credit losses	125,000	438,000	−42,000	704,000	1
Net interest income after provision for credit losses	31	29	27	29	28
Service charges on deposit accounts	1	2	2	2	2
Loss on sales of investment securities available for sale and held to maturity	−260,000	−385,000	—	—	—
Net gain on sale of other real estate owned	0	135,000	—	—	−127,000
Other	800,000	745,000	846,000	791,000	1
Total noninterest income	2	2	2	2	3
Salaries and employee benefits	13	13	12	12	11
Occupancy	2	2	3	3	3
Data processing	2	2	2	2	2
Other	4	6	4	5	4
Total noninterest expenses	22	24	21	22	21
Income before income taxes	11	7	8	9	10
Income tax expense	3	2	2	2	2
Net income	8	5	6	7	8
Basic	6	6	6	7	7
Diluted	6	7	7	7	7
Basic earnings per share	1.33	0.85	1	1.07	1.1
Diluted earnings per share	1.29	0.83	0.98	1.06	1.09

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	7	7	6	3	16
Interest-earning deposits in other depository institutions	47	34	44	23	96
Cash and cash equivalents	54	41	50	26	112
Investment securities available-for-sale	39	37	49	46	49
Investment securities held-to-maturity (estimated fair value of $27,286 net of allowance for credit losses of $45 at December 31, 2024)	0	27	34	27	—
Other investments	6	6	5	1	2
Loans	743	714	660	—	—
Less allowance for credit losses	−9	−8	−9	−9	−9
Net loans	734	706	651	—	—
Premises and equipment, net	3	3	4	4	4
Bank owned life insurance	17	16	16	16	15
Intangible assets	18	18	18	19	19
Other assets	11	12	13	13	8
Total assets	882	867	843	791	788
Noninterest-bearing checking	133	151	155	190	194
Interest-bearing checking	83	74	85	91	89
Money market accounts	157	149	139	148	146
Savings accounts	97	76	75	102	87
Certificates of deposit	225	223	221	126	97
Total deposits	695	673	674	657	613
Federal Home Loan Bank advances and other borrowings	54	59	40	10	49
Accrued interest payable and other liabilities	6	5	7	7	—
Total liabilities	755	738	722	674	667
Common stock (par value $0.01 per share, 40,000,000 shares authorized; 6,095,631 issued and outstanding at December 31, 2025 and 6,409,598 issued and outstanding at December 31, 2024)	61,000	64,000	64,000	66,000	69,000
Preferred stock (10,000,000 shares authorized, no shares outstanding)	—	—	—	—	—
Additional paid in capital	58	62	61	63	68
Unearned ESOP shares	−4	−4	−5	−5	−5
Retained earnings	76	77	71	65	58
Accumulated other comprehensive loss	−4	−6	−6	−7	−358,000
Total stockholders' equity	127	129	122	117	121
Total liabilities and stockholders' equity	882	867	843	791	788

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Net income	8	5	6	7	8
Depreciation, (accretion) and amortization	720,000	738,000	735,000	338,000	674,000
Stock-based compensation expense	894,000	1	1	694,000	410,000
Deferred income tax expense	60,000	162,000	399,000	280,000	−227,000
Provision for credit losses	125,000	438,000	−42,000	704,000	—
ESOP expense	1	404,000	295,000	313,000	269,000
Net gain on sale of other real estate owned	—	−135,000	—	—	—
Loss on sale of premises and equipment	3,000	—	—	—	1
Increase in cash surrender value of bank owned life insurance	−387,000	−401,000	−362,000	−347,000	−366,000
Accrued interest receivable and other assets	−36,000	731,000	−527,000	−716,000	3
Accrued interest payable and other liabilities	367,000	−2	−215,000	−936,000	−1
Net cash provided by operating activities	12	7	8	8	12
Purchases of investment securities available-for-sale	−8	—	−6	−10	−29
Purchases of premises and equipment	−422,000	−422,000	−527,000	−1	−830,000
Proceeds from disposal of premises and equipment	10,000	—	—	—	0
Proceeds from sale of investment securities available-for-sale	9	9	—	—	—
Proceeds from sale of investment securities held-to-maturity	12	0	58,000	2,000	—
Proceeds from paydowns of investment securities available-for-sale	7	4	4	4	4
Proceeds from paydowns and calls of investment securities held-to-maturity	8	7	—	—	—
Purchases of other investments	−89,000	−741,000	−7	−2	−1
Net change in loans	−28	−55	−14	−61	16
Purchase of bank owned life insurance	−287,000	—	—	—	—
Proceeds from sales of other real estate owned	—	3	—	532,000	1
Net cash used in investing activities	−1	−33	−28	−94	−10
Net change in deposits	22	−962,000	17	44	−25
Common stock repurchase	−6	—	−3	−6	—
Proceeds from FHLB advances	10	24	85	105	35
Repayment of FHLB advances	−10	−10	−55	−143	−5
Proceeds from federal funds purchased	26,000	27,000	26,000	25,000	—
Repayment of federal funds purchased	−26,000	−27,000	−51,000	—	—
Dividends paid to shareholders	−9	—	—	—	—
Exercise of stock options	59,000	—	—	—	—
Proceeds from other borrowings	0	12	—	—	—
Repayment of other borrowings	−5	−7	—	—	—
Net cash provided by financing activities	2	18	44	701,000	−69
Net change in cash and cash equivalents	12	−9	24	−85	−66
Cash paid for income taxes	2	2	2	2	3
Federal	2	2	—	—	—
State	220,000	251,000	—	—	—
Cash paid for interest	19	19	14	3	3
Carrying amount of secuirities held-to-maturity transferred to available-for-sale	8	—	—	—	—

Filings

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Frequently asked questions

What is Affinity Bancshares, Inc.'s CIK number?

Affinity Bancshares, Inc.'s SEC CIK number is 0001823406 (1823406). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find Affinity Bancshares, Inc.'s SEC filings?

All of Affinity Bancshares, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did Affinity Bancshares, Inc. last report earnings?

Affinity Bancshares, Inc. (AFBI) most recently filed an earnings 8-K with the SEC on Apr 24, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001193125-26-177392). This is Affinity Bancshares, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is Affinity Bancshares, Inc.'s most recent earnings 8-K?

Affinity Bancshares, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 24, 2026 under accession 0001193125-26-177392. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View Affinity Bancshares, Inc.'s latest earnings 8-K →
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