---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-117438"
form_type: "8-K"
ticker: "AFBI"
cik: "0001823406"
company_name: "Affinity Bancshares, Inc."
filed_at: "2024-10-25T23:59:59+00:00"
generated_at: "2026-05-30T10:07:23.261746+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Affinity Bancshares Q3 net income rises to $1.73M; diluted EPS $0.26

## Summary
- Net income of $1.73M for Q3 2024 vs $1.62M in Q3 2023; diluted EPS $0.26 vs $0.25.
- Total assets $878.6M; loans $697.6M; deposits $683.8M; net interest margin 3.52%.
- Return on average assets 0.78%; return on average equity 5.43%; efficiency ratio 71.48%.
- Tangible book value per share $17.18, up from $15.63 a year ago.
- Non-owner occupied office loans $32.7M with 46.6% avg LTV; uninsured deposits 15.2%.

## SEC filing metadata
- accession: 0000950170-24-117438
- form_type: 8-K
- ticker: AFBI
- cik: 0001823406
- company_name: Affinity Bancshares, Inc.
- filed_at: 2024-10-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1823406/000095017024117438/0000950170-24-117438-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823406/000095017024117438/afbi-20241025.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-117438
- JSON: https://secwatch.observer/filing/0000950170-24-117438.json
- Plain text: https://secwatch.observer/filing/0000950170-24-117438.txt

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