secwatch.observer — SEC 8-K summary
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Issuer:     Affinity Bancshares, Inc. (AFBI)
CIK:        0001823406
Form:       8-K
Filed at:   2026-01-23T23:59:59+00:00
Accession:  0001193125-26-021113
Event type: earnings
Sentiment:  positive
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1823406/000119312526021113/0001193125-26-021113-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1823406/000119312526021113/afbi-20260123.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-021113

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer