{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-22-013387","form_type":"8-K","ticker":"AFBI","cik":"0001823406","company_name":"Affinity Bancshares, Inc.","filed_at":"2022-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.245684+00:00","generated_at":"2026-06-24T07:39:50.294172+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Q2 net income $1.8M vs $2.3M YoY; net interest margin steady at 4.06%","bullets":["Net income $1.8M in Q2 2022 vs $2.3M in Q2 2021; six-month net income $3.6M vs $4.5M.","Net interest margin unchanged at 4.06% Q2; cost of interest-bearing liabilities down to 0.47% from 0.70%.","Net loans increased $38.5M to $614.4M; loan-to-deposit ratio 98.1% vs 93.7% at Dec 2021.","Repurchased 308,602 shares for $4.8M at avg $15.48/share.","Non-performing loans flat at $7.0M; allowance for loan losses 1.44% of total loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-22-013387","json":"https://secwatch.observer/filing/0000950170-22-013387.json","markdown":"https://secwatch.observer/filing/0000950170-22-013387.md","text":"https://secwatch.observer/filing/0000950170-22-013387.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1823406/000095017022013387/0000950170-22-013387-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1823406/000095017022013387/afbi-20220726.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T07:39:50.294172+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}