---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-22-020189"
form_type: "8-K"
ticker: "AFBI"
cik: "0001823406"
company_name: "Affinity Bancshares, Inc."
filed_at: "2022-10-26T23:59:59+00:00"
generated_at: "2026-06-23T00:55:26.843458+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Affinity Bancshares Q3 net income $1.9M, EPS $0.27; net interest margin expands to 4.12%

## Summary
- Net income of $1.9M for Q3 2022, up from $1.8M in Q3 2021; diluted EPS $0.27 vs $0.26.
- Net interest margin rose to 4.12% from 3.74% YoY, supporting revenue growth.
- Gross loans grew to $649.4M at Sep 30, 2022, up 20% from $539.6M a year earlier.
- Efficiency ratio slightly weakened to 67.62% from 65.87% YoY.
- Total assets $776.4M; return on average assets 0.95% vs 0.91% prior year.

## SEC filing metadata
- accession: 0000950170-22-020189
- form_type: 8-K
- ticker: AFBI
- cik: 0001823406
- company_name: Affinity Bancshares, Inc.
- filed_at: 2022-10-26T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1823406/000095017022020189/0000950170-22-020189-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823406/000095017022020189/afbi-20221026.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-22-020189
- JSON: https://secwatch.observer/filing/0000950170-22-020189.json
- Plain text: https://secwatch.observer/filing/0000950170-22-020189.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.