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Affinity Bancshares
Affinity Bancshares (AFBI) investor relations material
Affinity Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Net income for Q4 2025 was $2.1 million, up from $1.3 million in Q4 2024, driven by higher net interest income and lower noninterest expenses, with full-year net income rising to $8.3 million from $5.4 million year-over-year.
Operating income for Q4 2025 was $2.5 million, compared to $1.7 million in Q4 2024; full-year operating income reached $9.2 million, up from $6.8 million.
Financial highlights
Net interest income for Q4 2025 was $8.3 million, up from $7.4 million in Q4 2024; full-year net interest income increased to $31.1 million from $29.2 million.
Net interest margin for Q4 2025 rose to 3.77% from 3.56% in Q4 2024; full-year margin increased to 3.59% from 3.54%.
Noninterest income for Q4 2025 was $315,000, up $154,000 year-over-year; full-year noninterest income decreased by $91,000 to $1.9 million.
Noninterest expense for Q4 2025 decreased by $324,000 to $5.4 million; full-year noninterest expense fell by $2.1 million to $21.7 million.
Diluted EPS for Q4 2025 was $0.34, up from $0.20 in Q4 2024; full-year diluted EPS was $1.29, up from $0.83.
Outlook and guidance
Forward-looking statements highlight risks from economic conditions, interest rates, inflation, asset quality, funding, real estate values, regulatory changes, and technology, among others.
Asset allocation strategy post HTM portfolio sale
Noninterest expense reduction sustainability
Non-owner occupied office loan risk
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Latest events from Affinity Bancshares
- Shareholders to vote on asset sale, dissolution, and cash distribution of $22.40–$22.60 per share.AFBI
Proxy Filing2 Dec 2025 - Shareholders to vote on asset sale, dissolution, and executive pay; board recommends approval.AFBIProxy Filing2 Dec 2025
- APCU to acquire Affinity Bank assets for $159.8M, with dissolution and cash distribution to shareholders.AFBIProxy Filing2 Dec 2025
- Shareholders will vote on director elections, auditor ratification, and executive compensation.AFBIProxy Filing2 Dec 2025
- Stockholders to vote on APCU's acquisition of Affinity Bank amid litigation and added disclosures.AFBIProxy Filing2 Dec 2025
- Q3 net income and EPS rose year-over-year, supported by strong loan growth and efficiency gains.AFBIQ3 202510 Nov 2025
- Net income doubled year-over-year as assets and deposits grew and efficiency improved.AFBIQ2 202512 Aug 2025
- Q3 net income up, loan growth strong, and pending sale will dissolve the company.AFBIQ3 202413 Jun 2025
- Q2 net income fell to $1.0M as merger costs rose, despite asset and loan growth.AFBIQ2 202413 Jun 2025
Next Affinity Bancshares earnings date
Q1 202624 Apr, 2026
Affinity Bancshares
Next Affinity Bancshares earnings date
Q1 202624 Apr, 2026
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