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Affinity Bancshares
Affinity Bancshares (AFBI) investor relations material
Affinity Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Net income for Q4 2025 was $2.1 million, up from $1.3 million in Q4 2024, driven by higher net interest income and lower noninterest expenses, with full-year net income rising to $8.3 million from $5.4 million year-over-year.
Operating income for Q4 2025 was $2.5 million, compared to $1.7 million in Q4 2024; full-year operating income reached $9.2 million, up from $6.8 million.
Financial highlights
Net interest income for Q4 2025 was $8.3 million, up from $7.4 million in Q4 2024; full-year net interest income increased to $31.1 million from $29.2 million.
Net interest margin for Q4 2025 rose to 3.77% from 3.56% in Q4 2024; full-year margin increased to 3.59% from 3.54%.
Noninterest income for Q4 2025 was $315,000, up $154,000 year-over-year; full-year noninterest income decreased by $91,000 to $1.9 million.
Noninterest expense for Q4 2025 decreased by $324,000 to $5.4 million; full-year noninterest expense fell by $2.1 million to $21.7 million.
Diluted EPS for Q4 2025 was $0.34, up from $0.20 in Q4 2024; full-year diluted EPS was $1.29, up from $0.83.
Outlook and guidance
Forward-looking statements highlight risks from economic conditions, interest rates, inflation, asset quality, funding, real estate values, regulatory changes, and technology, among others.
Asset allocation strategy post HTM portfolio sale
Noninterest expense reduction sustainability
Non-owner occupied office loan risk
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Next Affinity Bancshares earnings date
Q1 202630 Apr, 2026
Affinity Bancshares
Next Affinity Bancshares earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Affinity Bancshares, Inc. is a bank holding company. It operates primarily through its subsidiary, Affinity Bank, a national bank that provides a range of banking services. Affinity Bank offers deposit products such as checking and savings accounts, certificates of deposit, and individual retirement accounts. Additionally, it provides various loan options, including commercial real estate, residential mortgage, construction, and consumer loans. The bank also specializes in dental practice loans and operates a virtual bank, FitnessBank, which offers higher interest rates tied to customers' fitness goals. The company is headquartered in Covington, Georgia, and its shares are listed on the NASDAQ.
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