{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-055642","form_type":"8-K","ticker":"AFBI","cik":"0001823406","company_name":"Affinity Bancshares, Inc.","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:30.747297+00:00","generated_at":"2026-06-09T08:46:00.589663+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Affinity Bancshares Q3 2023 net income $1.6M, down from $1.9M YoY; NIM 3.36%","bullets":["Net income of $1.6M ($0.25 diluted EPS) vs $1.9M ($0.27) in Q3 2022.","Net interest margin 3.36%, down from 4.12% YoY, reflecting 76 bps compression.","Total assets $855M; loans $661M; deposits $709M; annualized asset growth 10.8%.","Tangible book value per share $15.62, up from $14.57 a year ago.","Efficiency ratio worsened to 71.78% from 67.62% in prior-year quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-055642","json":"https://secwatch.observer/filing/0000950170-23-055642.json","markdown":"https://secwatch.observer/filing/0000950170-23-055642.md","text":"https://secwatch.observer/filing/0000950170-23-055642.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1823406/000095017023055642/0000950170-23-055642-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1823406/000095017023055642/afbi-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T08:46:00.589663+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":[{"claim_id":"639b17d4b07f73c813d218f9da643b8eb15d37fd","claim":"Affinity Bancshares, Inc. reported three months ended September 30, 2023 results: net income $1,623 (in thousands), EPS $0.25 diluted earnings per share.","evidence_excerpt":"Affinity Bancshares, Inc. (NASDAQ:\"AFBI\") (the \"Company\"), the holding company for Affinity Bank (the \"Bank\"), today announced net income of $1.6 million for the three months ended September 30, 2023, as compared to $1.9 million for the three months ended September 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1823406/000095017023055642/0000950170-23-055642-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended September 30, 2023"},{"label":"Net income","value":"$1,623 (in thousands)"},{"label":"EPS","value":"$0.25 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"639b17d4b07f73c813d218f9da643b8eb15d37fd","claim":"Affinity Bancshares, Inc. reported three months ended September 30, 2023 results: net income $1,623 (in thousands), EPS $0.25 diluted earnings per share.","evidence_excerpt":"At or for the three months ended, Performance Ratios: September 30, 2023 June 30, 2023 March 31, 2023 December 31, 2022 September 30, 2022 Net income (in thousands) $ 1,623 $ 1,590 $ 1,722 $ 1,699 $ 1,861 Diluted earnings per share 0.25 0.24 0.26 0.26 0.27","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1823406/000095017023055642/0000950170-23-055642-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended September 30, 2023"},{"label":"Net income","value":"$1,623 (in thousands)"},{"label":"EPS","value":"$0.25 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}