Affinity Bancshares Q4 net income $2.1M, diluted EPS $0.34 vs $0.20 YoY

Affinity Bancshares, Inc.

2025-FY EPS reported $1.29

Net income $2.1M for Q4 2025, up from $1.3M in Q4 2024; diluted EPS $0.34 vs $0.20.
Operating net income (non-GAAP) $2.5M, adjusted diluted EPS $0.40, up from $0.26 YoY.
Tangible book value per share $17.89 at Dec 31, 2025, vs $17.30 a year earlier.
Loans grew 4.0% to $742.7M; deposits grew 3.2% to $695.0M during Q4.
Net interest margin expanded to 3.77% from 3.56% a year ago; efficiency ratio improved to 63.55%.

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