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 | |