---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-061896"
form_type: "8-K"
ticker: "AFBI"
cik: "0001823406"
company_name: "Affinity Bancshares, Inc."
filed_at: "2025-05-01T23:59:59+00:00"
generated_at: "2026-05-23T00:58:44.011697+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Affinity Bancshares Q1 2025 net income up 37% to $1.831M; EPS $0.28 vs $0.20 YoY

## Summary
- Net income $1.831M ($0.28 diluted EPS) vs $1.335M ($0.20) in Q1 2024, a 37% increase.
- Adjusted diluted EPS (non-GAAP) $0.30, up from $0.21 in prior-year quarter.
- Total assets grew 5.3% to $912.5M; deposits rose 8.5% to $730.3M.
- Net interest margin improved to 3.52% from 3.38%; efficiency ratio dropped to 68.55% from 75.96%.
- Tangible book value per share $16.40, down from $17.30 at Dec 31, 2024, due to $8.8M dividend.

## SEC filing metadata
- accession: 0000950170-25-061896
- form_type: 8-K
- ticker: AFBI
- cik: 0001823406
- company_name: Affinity Bancshares, Inc.
- filed_at: 2025-05-01T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1823406/000095017025061896/0000950170-25-061896-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823406/000095017025061896/afbi-20250501.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-061896
- JSON: https://secwatch.observer/filing/0000950170-25-061896.json
- Plain text: https://secwatch.observer/filing/0000950170-25-061896.txt

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