Covington, GA · Cert 29510 · Affinity Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
37
Asset Quality
45
Profitability
25
Liquidity
1
Efficiency
45
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.
Covington, GA · Cert 29510 · Affinity Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.3% share · #26 of 81 inst. · $0.7B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.78% | 0.75% | 0.87% | 0.91% | 0.94% | 1.05% | 1.10% | +24 bps | |
| Return on Equity | 6.29% | 6.01% | 5.93% | 7.02% | 7.44% | 7.56% | 8.31% | 8.67% | +165 bps | |
| Net Interest Margin | 3.30% | 3.35% | 3.30% | 3.29% | 3.29% | 3.42% | 3.29% | 3.38% | +8 bps | |
| Efficiency Ratio | 69.03% | 68.78% | 70.96% | 67.22% | 65.66% | 64.13% | 62.42% | 61.03% | -619 bps | |
| Non-Interest Burden | 2.15% | 2.19% | 2.24% | 2.10% | 2.05% | 2.07% | 1.93% | 1.93% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.73% | 2.81% | 4.84% | 6.69% | 5.28% | 1.68% | 1.40% | -1.88% | -856 bps | |
| Loan Growth (YoY) | 5.53% | 8.23% | 6.90% | 5.55% | 4.57% | 3.98% | 4.25% | 2.26% | -329 bps | |
| Deposit Growth (YoY) | -3.76% | -0.42% | 6.42% | 8.70% | 8.15% | 3.62% | 0.47% | -3.33% | -1,203 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.70% | 0.67% | 0.62% | 0.62% | 0.70% | 0.48% | 0.47% | 0.47% | -15 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.10% | 0.05% | 0.02% | 0.03% | -0.03% | 0.06% | 0.03% | +1 bps | |
| Allowance / Loans | 1.21% | 1.19% | 1.17% | 1.17% | 1.18% | 1.21% | 1.18% | 1.19% | +2 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.8x | 1.9x | 1.9x | 1.7x | 2.5x | 2.5x | 2.5x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.66% | 12.01% | 10.57% | 10.55% | 10.76% | 10.82% | 11.04% | 11.41% | +86 bps | |
| Total Risk-Based Capital | 13.97% | 14.12% | 12.61% | 12.79% | 13.21% | 13.24% | 13.46% | 13.91% | +111 bps | |
| Equity / Assets | 13.24% | 13.52% | 11.73% | 11.78% | 12.24% | 12.79% | 12.47% | 12.93% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.16% | 105.24% | 97.57% | 96.56% | 97.80% | 105.61% | 101.23% | 102.14% | +558 bps | |
| Liquid Assets / Assets | 6.60% | 4.99% | 7.51% | 7.32% | 6.11% | 1.27% | 5.13% | 3.90% | -341 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 407% | 423% | 409% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 1.08% | 1.42% | 1.85% | Beats 30% | 14 / 20 | ||
| Return on Equity | 8.46% | 9.57% | 13.48% | 17.30% | Beats 20% | 16 / 20 | ||
| Net Interest Margin | 3.38% | 3.38% | 3.99% | 4.50% | Beats 25% | 15 / 20 | ||
| Efficiency Ratio | 61.60% | 47.39% | 61.42% | 73.60% | Beats 45% | 12 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.05% | 0.79% | 1.63% | Beats 63% | 8 / 19 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.03% | Beats 26% | 15 / 19 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.76% | 13.64% | 16.79% | 19.57% | Beats 20% | 16 / 20 | ||
| Total Risk-Based Capital Ratio | 13.91% | 14.77% | 17.61% | 20.82% | Beats 20% | 16 / 20 | ||
| Equity / Assets | 12.93% | 9.66% | 10.94% | 13.62% | Beats 70% | 6 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.14% | 70.35% | 84.66% | 95.83% | 85th pctl | 3 / 20 | ||
| Loans / Assets | 81.69% | 62.58% | 72.89% | 77.86% | 80th pctl | 4 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||