AFBI

Affinity Bancshares, Inc. operates as the bank holding company for Affinity Bank, a community-focused financial institution serving customers primarily in Georgia. Headquartered in Covington, Georgia, the company provides a comprehensive range of traditional banking products and services to individuals, small businesses, and commercial clients throughout its market area. The bank offers deposit accounts including checking, savings, money market accounts, and certificates of deposit, while its lending portfolio encompasses commercial real estate loans, construction and land development financing, commercial and industrial loans, and residential mortgages. Affinity Bank operates through multiple full-service branch locations in the Atlanta metropolitan statistical area and surrounding communities, emphasizing relationship banking and personalized customer service. The company positions itself as a locally-managed alternative to larger regional and national banks, leveraging its community bank model to make faster lending decisions and maintain closer customer relationships. As a publicly traded entity, Affinity Bancshares focuses on delivering returns to shareholders while supporting economic development in its local markets. The bank maintains a traditional community banking approach, concentrating on core deposit gathering and loan origination activities rather than non-traditional banking services. Management emphasizes sound underwriting practices, strong asset quality metrics, and maintaining adequate capital levels to support organic growth and serve its community-oriented customer base.