Affinity Bancshares

Pricing is governed by market rates and competition for deposits and loans. Net interest margin was 3.59% in 2025 and 3.50% in Q1 2026, reflecting headwinds from rising deposit betas. Fee levers are modest. The dental niche can support slightly better spreads and cross‑sell, but not enough to materially change economics.

There is no regulatory or technological lever akin to a monopoly or network. Overall, margins are acceptable for a community bank but do not indicate latent pricing power.