Affinity Bancshares Reports $2.1 Million Net Income for Q4 2025, Up 62% Year-over-Year
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
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Source: Businesswire
- Net Income Growth: Affinity Bancshares reported a net income of $2.1 million for Q4 2025, a 62% increase from $1.345 million in Q4 2024, indicating a significant enhancement in profitability that boosts market confidence.
- Earnings Per Share Increase: Diluted earnings per share rose from $0.20 in 2024 to $0.34 in 2025, reflecting effective strategies in cost control and revenue growth, which further attract investor interest.
- Asset Growth: As of December 31, 2025, total assets reached $881.7 million, up 1.6% from $866.8 million in 2024, demonstrating the company's robust expansion and asset management capabilities in the market.
- Improved Net Interest Margin: The net interest margin increased from 3.56% in 2024 to 3.77% in 2025, showcasing the company's enhanced competitiveness in the interest rate environment, which contributes to overall profitability and shareholder returns.
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About AFBI
Affinity Bancshares, Inc. is the holding company for Affinity Bank (the Bank). The Bank’s business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial real estate loans, commercial and industrial loans and residential real estate loans and, to a lesser extent, construction and land loans and consumer loans. It makes commercial and industrial loans, primarily in its market area, to a variety of professionals, sole proprietorships and small businesses, including dental loans, which are originated throughout the Southeastern United States. It offers a variety of deposit accounts, including checking accounts, savings accounts and certificate of deposit accounts. It gathers deposits nationwide through its virtual bank, FitnessBank, which accepts deposits and provides higher interest rates based on customers meeting certain fitness goals. It offers a limited range of consumer loans.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
