[Form 4] Affinity Bancshares, Inc. Insider Trading Activity

Rhea-AI Filing Summary

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.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Vickers Robert

(Last) (First) (Middle)

3175 HIGHWAY 278

(Street)

COVINGTON GA 30014

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Affinity Bancshares, Inc. [ AFBI ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Operations Officer

3. Date of Earliest Transaction (Month/Day/Year)
11/16/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	11/16/2025		F		192	D	$19.36	2,608(1)	D
Common Stock								2,630(2)	I	By ESOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Options	$7.77							04/30/2021	04/30/2030	Common Stock	13,602(3)		13,602(3)	D
Stock Options	$14.85							07/01/2023	07/01/2032	Common Stock	10,000(4)		10,000(4)	D
Stock Options	$14.49							11/16/2024	11/16/2033	Common Stock	10,000(5)		10,000(5)	D

Explanation of Responses:

1. Includes shares of restricted stock which vest at a rate of 20% per year commencing on November 16, 2024.

2. Reflects transaction not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.

3. Stock options are fully vested.

4. Stock options vest at a rate of 20% per year commencing on July 1, 2023.

5. Stock options vest at a rate of 20% per year commencing on November 16, 2024.

	/s/ Ned A. Quint, pursuant to power of attorney	11/17/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did AFBI report on this Form 4?

The Chief Operations Officer of Affinity Bancshares, Inc. (AFBI) reported the disposition of 192 shares of common stock on 11/16/2025 at a price of $19.36 per share under transaction code "F".

How many AFBI shares does the reporting officer own after the transaction?

After the reported transaction, the officer holds 2,608 AFBI common shares directly and 2,630 shares indirectly through an ESOP.

What does transaction code "F" mean for the AFBI Form 4?

Code "F" indicates shares were disposed of by the issuer to satisfy tax withholding obligations related to an equity award, rather than an open-market sale.

What stock options on AFBI shares does the officer hold?

The officer holds AFBI stock options with exercise prices of $7.77, $14.85, and $14.49, each exercisable for common stock with expiration dates between 04/30/2030 and 11/16/2033.

How do the AFBI stock options vest for the reporting officer?

One AFBI stock option grant is fully vested. Another vests at 20% per year starting 07/01/2023, and a third vests at 20% per year starting 11/16/2024.

What are the vesting terms of the AFBI restricted stock held by the officer?

The restricted AFBI shares included in the officer’s direct holdings vest at a rate of 20% per year, commencing on November 16, 2024.