---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-098815"
form_type: "8-K"
ticker: "AFBI"
cik: "0001823406"
company_name: "Affinity Bancshares, Inc."
filed_at: "2025-07-25T23:59:59+00:00"
generated_at: "2026-05-18T01:15:05.068857+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Affinity Bancshares Q2 net income doubles to $2.2M; EPS $0.33 vs $0.16 YoY

## Summary
- Net income of $2.15M (diluted EPS $0.33) vs $1.03M ($0.16) a year ago.
- Adjusted diluted EPS of $0.36; operating net income $2.32M.
- Total assets $933.8M, up 7.7% YoY; deposits $749.3M, up 11.3%.
- Return on average assets 0.94% vs 0.48% YoY; return on equity 7.01% vs 3.33%.
- Net interest margin 3.57% vs 3.71% prior year; efficiency ratio improved to 65.72%.

## SEC filing metadata
- accession: 0000950170-25-098815
- form_type: 8-K
- ticker: AFBI
- cik: 0001823406
- company_name: Affinity Bancshares, Inc.
- filed_at: 2025-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1823406/000095017025098815/0000950170-25-098815-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823406/000095017025098815/afbi-20250725.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-098815
- JSON: https://secwatch.observer/filing/0000950170-25-098815.json
- Plain text: https://secwatch.observer/filing/0000950170-25-098815.txt

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