Welcome to our dedicated page for Affinity Bancshares SEC filings (Ticker: AFBI), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Affinity Bancshares Inc. may be a community bank, but its disclosures span hundreds of pages of loan-quality tables, interest-rate gap schedules, and localized credit data. If you have ever searched "Affinity Bancshares SEC filings explained simply" or wondered how last quarter’s surge in commercial real-estate loans shows up in a 10-Q, you are in the right place.
Our platform layers Stock Titan’s AI on top of every document the moment it hits EDGAR. Whether you need the Affinity Bancshares quarterly earnings report 10-Q filing for margin trends or the Affinity Bancshares annual report 10-K simplified for allowance-for-loan-losses detail, we translate technical language into clear takeaways. Real-time alerts surface Affinity Bancshares Form 4 insider transactions so you can track director purchases alongside market moves, and the engine flags any Affinity Bancshares 8-K material events explained in everyday language.
Investors typically drill into three areas: credit quality, liquidity, and management incentives. Here’s how each filing helps:
- Form 4 feeds highlight Affinity Bancshares insider trading Form 4 transactions and provide executive stock transactions Form 4 context.
- 10-Q and 10-K reports deliver loan-portfolio metrics, with our AI producing concise Affinity Bancshares earnings report filing analysis.
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From real-time Affinity Bancshares Form 4 insider transactions – real-time alerts to “understanding Affinity Bancshares SEC documents with AI,” every disclosure is searchable, summarized, and ready to guide your decision-making.
Affinity Bancshares, Inc. reported continued balance-sheet growth and improved profitability for the period ended June 30, 2025. Total assets rose to $933.8 million, up $67.0 million (7.8%), driven by loan growth to $731.1 million and a larger cash position with cash and cash equivalents of $89.7 million. Total deposits increased 11.3% to $749.3 million, supporting a loan-to-deposit ratio of 97.6%.
Profitability strengthened: net income for the quarter was $2.152 million (basic EPS $0.34, diluted EPS $0.33), and six-month net income was $3.983 million. Net interest income before provision rose modestly to $7.778 million, though net interest margin compressed to 3.57% from 3.71%. Credit metrics were stable with an allowance for credit losses of $8.542 million (about 1.17% of loans) and a small provision this quarter. Equity declined to $124.1 million primarily due to an $8.8 million special dividend and $2.1 million of share repurchases. The investment portfolio carried approximately $6.7 million of unrealized losses, largely attributed to market rate movements.
Form 4 highlight: On 07/28/2025 Affinity Bancshares (AFBI) CFO Brandi C. Pajot satisfied payroll-tax obligations related to restricted-stock vesting by surrendering 275 shares at $19.37 (Transaction Code F). No open-market sale occurred.
Post-transaction holdings equal 21,689 directly owned shares and 2,857 indirect ESOP shares, signalling continued insider alignment.
The filing also restates her option inventory: 13,602 fully-vested options exercisable at $7.77 (exp. 2030) and three additional 10,000-share grants struck at $14.40–$14.85 that vest 20 % annually through 2029-2033. None were exercised or cancelled.
Because the share reduction was purely for tax withholding and total ownership remains substantial, the event is regarded as neutral for investors.
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