Affinity Bancshares (AFBI) employee plan reports 8.9% ownership stake

Rhea-AI Filing Summary

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.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 1)

AFFINITY BANCSHARES, INC.

(Name of Issuer)

Common Stock, par value $0.01 per share

(Title of Class of Securities)

00832E103

(CUSIP Number)

12/31/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 00832E103

1

Names of Reporting Persons

Affinity Bank Employee Stock Ownership Plan Trust

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

GEORGIA

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 356,952.00
6	Shared Voting Power 188,661.00
7	Sole Dispositive Power 545,613.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

545,613.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

8.9 %

12

Type of Reporting Person (See Instructions)

EP

SCHEDULE 13G

Item 1.
(a)	Name of issuer: AFFINITY BANCSHARES, INC.
(b)	Address of issuer's principal executive offices: 3175 Highway 278, Covington, Georgia, 30014
Item 2.
(a)	Name of person filing: Affinity Bank, Employee Stock Ownership Plan Trust,Trustee: TI-Trust, Inc.
(b)	Address or principal business office or, if none, residence: c/o TI-Trust, Inc., 2900 North 23rd Street, Quincy, Illinois 62305
(c)	Citizenship: Georgia
(d)	Title of class of securities: Common Stock, par value $0.01 per share
(e)	CUSIP No.: 00832E103
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 545,613
(b)	Percent of class: 8.9%
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 356,952
	(ii) Shared power to vote or to direct the vote: 188,661
	(iii) Sole power to dispose or to direct the disposition of: 545,613
	(iv) Shared power to dispose or to direct the disposition of: 0
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Affinity Bank Employee Stock Ownership Plan Trust

Signature:	/s/ Craig Baker
Name/Title:	Craig Baker, Vice President, TI-Trust, Inc., Trustee
Date:	02/04/2026

FAQ

What percentage of Affinity Bancshares (AFBI) does the ESOP Trust own?

The Affinity Bank Employee Stock Ownership Plan Trust beneficially owns 8.9% of Affinity Bancshares’ common stock. This represents 545,613 shares as of December 31, 2025, according to the Schedule 13G/A ownership disclosure filed with the SEC.

How many Affinity Bancshares (AFBI) shares are held by the ESOP Trust?

The ESOP Trust beneficially owns 545,613 shares of Affinity Bancshares common stock. This position equals 8.9% of the outstanding class as reported in the Schedule 13G/A, with ownership measured as of December 31, 2025.

How is voting power over Affinity Bancshares (AFBI) shares split for the ESOP Trust?

The ESOP Trust has sole voting power over 356,952 shares of Affinity Bancshares and shared voting power over 188,661 shares. Together, these positions total the 545,613 shares beneficially owned by the plan as disclosed in the filing.

What dispositive power does the ESOP Trust have over Affinity Bancshares (AFBI) shares?

The ESOP Trust reports sole dispositive power over all 545,613 Affinity Bancshares shares it beneficially owns and no shared dispositive power. Dispositive power means the authority to decide if and when the shares are sold or otherwise transferred.

Is the Affinity Bancshares (AFBI) ESOP Trust seeking to influence control of the company?

The filing states the ESOP Trust acquired and holds the shares in the ordinary course of business. It certifies they were not acquired and are not held for changing or influencing control of Affinity Bancshares, nor as part of any control-related transaction.

Who is the reporting person in this Affinity Bancshares (AFBI) Schedule 13G/A?

The reporting person is the Affinity Bank Employee Stock Ownership Plan Trust, with TI-Trust, Inc. as trustee. The trustee’s Vice President, Craig Baker, signed the Schedule 13G/A amendment certifying the accuracy of the ownership information provided.