Affinity Bancshares

Revenue and earnings are primarily net‑interest driven with a stable core franchise and recurring customer relationships. 2025 net income rose to $8.3 million and Q1 2026 EPS was $0.36; asset quality trends were stable with NPLs down year over year and allowance coverage above 250% of NPLs.

However, performance remains sensitive to rates and local credit cycles, especially in CRE and indirect auto. Geographic concentration in Georgia is mitigated by indirect auto sourcing across several Southeastern states.