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.
The Affinity Bancshares, Inc. (AFBI) SEC filings page provides access to the company’s regulatory disclosures as a Maryland corporation and Nasdaq-listed bank holding company. Through its filings with the Securities and Exchange Commission, Affinity Bancshares reports detailed information about its financial condition, results of operations, capital structure, governance and material events affecting the holding company and its banking subsidiary, Affinity Bank.
Investors can review annual reports on Form 10-K and quarterly reports on Form 10-Q for comprehensive discussions of net interest income, loan and deposit composition, investment securities, asset quality, allowance for credit losses, capital ratios and risk factors. These filings complement the company’s press releases by providing full financial statements, management’s discussion and analysis and notes to the financials.
Affinity Bancshares also files current reports on Form 8-K to disclose specific material events. Recent 8-K filings have reported quarterly financial results and the extension of employment agreements with certain officers, including details on the terms and expiration dates of those agreements. Such filings help investors track changes in executive arrangements, corporate actions and other significant developments.
In addition, AFBI’s SEC filings include information related to merger and acquisition activity, such as the previously announced purchase and assumption agreement with Atlanta Postal Credit Union and Center Parc Credit Union and subsequent termination of that agreement, as described in company communications. Proxy materials and other disclosure documents associated with shareholder meetings and transaction approvals are also filed with the SEC.
On this page, AI-powered tools can summarize lengthy 10-K and 10-Q reports, highlight key changes in earnings, capital and asset quality, and surface notable items from 8-K filings. Users can also monitor real-time updates from EDGAR, review any available Form 4 insider transaction reports and better understand how Affinity Bancshares presents its banking operations, governance and strategic decisions in official regulatory documents.
Affinity Bancshares, Inc. agreed to be acquired by Fidelity Bank in an all‑cash merger valuing Affinity at approximately $142.8 million. Affinity stockholders will receive $23.00 in cash per share, subject to adjustment based on adjusted stockholders’ equity at closing.
The deal, unanimously approved by both boards, is expected to close in the third quarter of 2026, pending regulatory and stockholder approvals and other customary conditions. Affinity and Fidelity also entered into director support agreements and executive settlement agreements that provide cash payments and impose post‑employment non‑compete and non‑solicitation covenants on key executives.
Affinity Bancshares, Inc., parent of Affinity Bank, reports a community- and niche-focused banking model with total assets of $881.7 million as of December 31, 2025. Loans were $742.7 million, deposits $695.0 million, and stockholders’ equity $127.0 million.
The loan book is concentrated in commercial real estate and commercial and industrial lending, with a major specialty in the dental market, which totaled $194.1 million or 26.1% of loans. Indirect automobile loans were $135.8 million, primarily purchased retail auto contracts across several Southeastern states.
Asset quality metrics remain solid, with non‑accrual loans of $3.6 million, equal to 0.48% of total loans and 0.40% of total assets. The allowance for credit losses was $9.0 million, or 1.21% of loans, covering non‑performing loans by about 252%.
Affinity Bancshares, Inc. received an updated ownership report from the Affinity Bank Employee Stock Ownership Plan Trust. The plan beneficially owns 545,613 shares of common stock, representing 8.9% of the outstanding class as of 12/31/2025.
The trust has sole voting power over 356,952 shares and shared voting power over 188,661 shares. It has sole dispositive power over all 545,613 shares and no shared dispositive power. The filing certifies the shares are held in the ordinary course of business and not for the purpose of changing or influencing control of the company.
Affinity Bancshares, Inc. furnished a current report noting that it has released its financial results for the quarter ended December 31, 2025. The company issued a press release and supplemental financial information dated January 23, 2026, which provide details on its operations and financial condition for the period.
The press release is included as Exhibit 99.1 and the supplemental financial information as Exhibit 99.2, with both furnished to the SEC rather than filed. The report is signed on behalf of Affinity Bancshares, Inc. by Brandi Pajot, Senior Vice President and Chief Financial Officer.
Affinity Bancshares, Inc. director Shore Teak filed an initial ownership report showing a direct holding in the company’s common stock. As of 12/18/2025, the filing lists beneficial ownership of 20,000 shares of Common Stock, held directly rather than through an intermediary entity. This Form 3 does not reflect a new trade but instead establishes the director’s existing ownership position in Affinity Bancshares.
Affinity Bancshares, Inc. reported that its Board of Directors adopted a new stock repurchase program. Under this program, the company may buy back up to 304,524 shares of its common stock, which is described as approximately 5% of the current outstanding shares. The company also issued a press release about this action, which is attached as an exhibit.
Affinity Bancshares, Inc. (AFBI) Chief Operations Officer reported a small share transaction on a Form 4. On 11/16/2025, 192 shares of common stock were disposed of at $19.36 under code "F", indicating shares were withheld, typically to cover taxes on equity awards. After this, the officer beneficially owns 2,608 common shares directly and 2,630 shares indirectly through an ESOP. Some of the directly held shares are restricted stock that vests 20% per year starting November 16, 2024.
The officer also holds stock options on AFBI common stock with exercise prices of $7.77, $14.85, and $14.49, with expiration dates ranging from April 30, 2030 to November 16, 2033. One option grant is fully vested, while two others vest 20% per year from July 1, 2023 and November 16, 2024.
Affinity Bancshares, Inc. (AFBI) reported an insider transaction by its SVP and Chief Financial Officer on a Form 4. On 11/16/2025, the officer disposed of 274 shares of common stock at $19.36 under transaction code F. After this transaction, the officer beneficially owned 21,415 shares of common stock directly and 2,857 shares indirectly through an ESOP. The filing also lists stock options on 44,?02 shares (13,602 at $7.77, 10,000 at $14.85, 10,000 at $14.40, and 10,000 at $14.49), with various vesting schedules at 20% per year and expirations between 2030 and 2033.
Affinity Bancshares, Inc. (AFBI) executive vice president and chief credit officer reported an insider transaction involving company stock. On 11/16/2025, the officer had 1,400 shares of common stock withheld at a price of $19.36 per share, coded as an "F" transaction, which typically reflects shares withheld to cover taxes on equity awards. After this transaction, the officer directly holds 12,569 shares of common stock, with additional indirect holdings of 1,000 shares through an IRA and 3,938 shares through an ESOP. The filing also lists several stock option awards on AFBI common stock with exercise prices between $7.77 and $14.85 and expiration dates ranging from April 2030 to November 2033, some of which are fully vested and others vesting in annual installments.
Affinity Bancshares (AFBI) reported third‑quarter results, showing steady core performance. Net income was $2.2 million, up from $1.7 million a year ago, with diluted EPS of $0.34 versus $0.26. Net interest income rose to $7.8 million from $7.4 million as interest income increased while interest expense remained elevated. Provision for credit losses was minimal at $12 thousand, and noninterest expenses declined year over year.
Total assets reached $925.2 million, driven by loan growth to $729.5 million and higher cash and equivalents of $84.8 million. Deposits grew to $739.4 million, while Federal Home Loan Bank advances were $54.0 million. The allowance for credit losses on loans was $8.6 million. For the nine months, net income was $6.2 million versus $4.1 million last year. Stockholders’ equity was $125.4 million, aided by improved accumulated other comprehensive loss as securities valuations recovered.