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

Rhea-AI Filing Summary

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.

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

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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^*

Nelson Clark

(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)
	EVP and CCO

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		1,400	D	$19.36	12,569(1)(2)	D
Common Stock								1,000	I	By IRA
Common Stock								3,938(3)	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	22,671(4)		22,671(4)	D
Stock Options	$14.85							07/01/2023	07/01/2032	Common Stock	5,000(5)		5,000(5)	D
Stock Options	$14.4							03/21/2024	03/21/2033	Common Stock	7,500(6)		7,500(6)	D
Stock Options	$14.49							11/16/2024	11/16/2033	Common Stock	10,000(7)		10,000(7)	D

Explanation of Responses:

1. Includes shares of restricted stock which vest at a rate of 20% per year commencing on July 1, 2023.

2. Includes shares of restricted stock which vest at a rate of 33% per year commencing on November 16, 2024.

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

4. Stock options are fully vested.

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

6. Stock options vest at a rate of 33% per year commencing on March 21, 2024.

7. Stock options vest at a rate of 33% 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 in this Form 4?

The Form 4 reports that an Affinity Bancshares, Inc. executive had 1,400 shares of common stock withheld on 11/16/2025 at $19.36 per share, coded as an "F" transaction, typically used for tax withholding on equity awards.

Who is the reporting person in AFBI's latest Form 4 filing?

The reporting person is an officer of Affinity Bancshares, Inc., serving as Executive Vice President (EVP) and Chief Credit Officer (CCO), as indicated in the relationship section of the filing.

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

Following the reported transaction, the officer holds 12,569 shares of AFBI common stock directly, 1,000 shares indirectly through an IRA, and 3,938 shares indirectly through an ESOP.

What stock option awards for AFBI are disclosed in this Form 4?

The filing lists several AFBI stock option awards, including 22,671 options with a $7.77 exercise price expiring on 04/30/2030, 5,000 options at $14.85 expiring on 07/01/2032, 7,500 options at $14.4 expiring on 03/21/2033, and 10,000 options at $14.49 expiring on 11/16/2033.

How do the AFBI stock options in this Form 4 vest?

According to the explanations, one AFBI stock option grant for 22,671 shares is fully vested. Other grants vest over time: 20% per year beginning 07/01/2023 for one grant, and 33% per year beginning 03/21/2024 and 11/16/2024 for others.

Does the AFBI Form 4 mention restricted stock awards?

Yes. The explanations state that the reported share totals include restricted stock that vests at 20% per year starting 07/01/2023 and at 33% per year starting 11/16/2024.