---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-021113"
form_type: "8-K"
ticker: "AFBI"
cik: "0001823406"
company_name: "Affinity Bancshares, Inc."
filed_at: "2026-01-23T23:59:59+00:00"
generated_at: "2026-05-16T08:29:09.826443+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0001193125-26-021113
- form_type: 8-K
- ticker: AFBI
- cik: 0001823406
- company_name: Affinity Bancshares, Inc.
- filed_at: 2026-01-23T23:59:59+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/1823406/000119312526021113/0001193125-26-021113-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1823406/000119312526021113/afbi-20260123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-021113
- JSON: https://secwatch.observer/filing/0001193125-26-021113.json
- Plain text: https://secwatch.observer/filing/0001193125-26-021113.txt

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