Affinity Bancshares

Capital and liquidity are strong for size: equity/assets ~14% and total risk‑based capital ~13.5% at March 31, 2026, well above well‑capitalized thresholds. Deposits increased in Q1 2026, cash and equivalents rose, and the bank repaid its BTFP advance in early 2025. HTM securities were exited in Q4 2025, reducing AOCI sensitivity.

Nonowner‑occupied office exposure is manageable at ~$40 million with low average LTV ~44%. These factors support resilience through rate and credit cycles.