---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-086925"
form_type: "8-K"
ticker: "AFBI"
cik: "0001823406"
company_name: "Affinity Bancshares, Inc."
filed_at: "2024-07-26T23:59:59+00:00"
generated_at: "2026-05-31T15:59:34.954665+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Affinity Bancshares Q2 net income falls 35% to $1.0M; EPS $0.16

## Summary
- Net income $1.0M vs $1.6M a year ago; diluted EPS $0.16 vs $0.24.
- Net interest margin improved to 3.71% from 3.17% year ago.
- Efficiency ratio worsened to 78.74% from 71.68% year ago.
- Total assets $872.6M, loans $692.6M, deposits $689.7M.
- Tangible book value per share increased to $16.64 from $15.47.

## SEC filing metadata
- accession: 0000950170-24-086925
- form_type: 8-K
- ticker: AFBI
- cik: 0001823406
- company_name: Affinity Bancshares, Inc.
- filed_at: 2024-07-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1823406/000095017024086925/0000950170-24-086925-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823406/000095017024086925/afbi-20240726.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-086925
- JSON: https://secwatch.observer/filing/0000950170-24-086925.json
- Plain text: https://secwatch.observer/filing/0000950170-24-086925.txt

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