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Affinity Bank, National Association

Covington, GA · Cert 29510 · Affinity Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

45

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Affinity Bank, National Association

Covington, GA · Cert 29510 · Affinity Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$915.2MAssets
$747.7MLoans
$732.0MDeposits
$118.4MEquity
Loan mix
61%RE $456.9M21%C&I $158.1M18%Consumer $136.9MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $569.2M22%Noninterest $162.8MQ2 2025Q2 2026

NIM

5.33%Q2 ’245.36%Q2 ’255.35%Q2 ’260%+3%

Non-interest income vs. expense

2.51%Q2 ’242.37%Q2 ’252.21%Q2 ’26-4%-8%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.3% share · #26 of 81 inst. · $0.7B of $255.1B

1.6% Cobb
20.7% Newton

Executive Summary

  • Earnings: ROA of 1.10%, up 24 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.47% of loans (-15 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.41%, up 86 bps from a year ago.
  • Funding: loans stand at 102.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+8 bps YoY

Efficiency Ratio (YTD, annualized)

61.03%-619 bps YoY

Tier 1 Leverage Ratio

11.41%+86 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.91%0.94%1.05%1.10%+24 bps
Return on Equity7.02%7.44%7.56%8.31%8.67%+165 bps
Net Interest Margin3.29%3.29%3.42%3.29%3.38%+8 bps
Efficiency Ratio67.22%65.66%64.13%62.42%61.03%-619 bps
Non-Interest Burden2.10%2.05%2.07%1.93%1.93%-17 bps
Growth
Asset Growth (YoY)6.69%5.28%1.68%1.40%-1.88%-856 bps
Loan Growth (YoY)5.55%4.57%3.98%4.25%2.26%-329 bps
Deposit Growth (YoY)8.70%8.15%3.62%0.47%-3.33%-1,203 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.70%0.48%0.47%0.47%-15 bps
Net Charge-Offs / Loans0.02%0.03%-0.03%0.06%0.03%+1 bps
Allowance / Loans1.17%1.18%1.21%1.18%1.19%+2 bps
Allowance Coverage of NPLs1.9x1.7x2.5x2.5x2.5x+0.6x
Capital
Tier 1 Leverage Ratio10.55%10.76%10.82%11.04%11.41%+86 bps
Total Risk-Based Capital12.79%13.21%13.24%13.46%13.91%+111 bps
Equity / Assets11.78%12.24%12.79%12.47%12.93%+116 bps
Liquidity & Funding
Loans / Deposits96.56%97.80%105.61%101.23%102.14%+558 bps
Liquid Assets / Assets7.32%6.11%1.27%5.13%3.90%-341 bps
CRE / Total Capitaln/a407%423%409%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Affinity Bank, National Association

Covington, GA · Cert 29510 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Affinity Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$915.2MAssets
$747.7MLoans
$732.0MDeposits
$118.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 70% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 6 of 20).
  • Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 16 of 20).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.09%

Rank 14 of 20

Net Interest Margin

3.38%

Rank 15 of 20

Efficiency Ratio

61.60%

Rank 12 of 20

Equity / Assets

12.93%

Rank 6 of 20

Non-interest income vs. expense

$2.6M$20.5MINCOMEEXPENSE
Unfavorable gap of $17.8M · efficiency ratio beats 45% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 61.60%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%1.08%1.42%1.85%Beats 30%14 / 20
Return on Equity8.46%9.57%13.48%17.30%Beats 20%16 / 20
Net Interest Margin3.38%3.38%3.99%4.50%Beats 25%15 / 20
Efficiency Ratio61.60%47.39%61.42%73.60%Beats 45%12 / 20
Asset Quality
Nonperforming Loans / Loans0.47%0.05%0.79%1.63%Beats 63%8 / 19
Net Charge-Offs / Loans0.03%n/a0.00%0.03%Beats 26%15 / 19
Capital
Tier 1 Capital Ratio12.76%13.64%16.79%19.57%Beats 20%16 / 20
Total Risk-Based Capital Ratio13.91%14.77%17.61%20.82%Beats 20%16 / 20
Equity / Assets12.93%9.66%10.94%13.62%Beats 70%6 / 20
Liquidity & Funding
Loans / Deposits102.14%70.35%84.66%95.83%85th pctl3 / 20
Loans / Assets81.69%62.58%72.89%77.86%80th pctl4 / 20
Brokered Deposits / Depositsn/aNot reported for this institution