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
Unfavorable gap of $17.8M · efficiency ratio beats 45% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area | 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 |