{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-011460","form_type":"8-K","ticker":"AFBI","cik":"0001823406","company_name":"Affinity Bancshares, Inc.","filed_at":"2025-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.088114+00:00","generated_at":"2026-05-27T04:48:06.142574+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":"Affinity Bancshares Q4 net income down to $1.3M from $1.5M; FY24 EPS $0.83 vs $0.98","bullets":["GAAP net income $1.3M for Q4 2024 vs $1.5M in Q4 2023; diluted EPS $0.20 vs $0.23.","Full-year 2024 net income $5.4M vs $6.4M in 2023; diluted EPS $0.83 vs $0.98.","Adjusted diluted EPS (non-GAAP) $0.26 in Q4 and $1.03 for FY 2024 vs $0.98 in FY 2023.","Net interest margin improved to 3.56% in Q4 from 3.32% a year ago; efficiency ratio worsened to 75.95%.","Tangible book value per share rose to $17.30 from $16.08; total assets $866.8M."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-011460","json":"https://secwatch.observer/filing/0000950170-25-011460.json","markdown":"https://secwatch.observer/filing/0000950170-25-011460.md","text":"https://secwatch.observer/filing/0000950170-25-011460.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1823406/000095017025011460/0000950170-25-011460-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1823406/000095017025011460/afbi-20250131.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T04:48:06.142574+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"}