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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