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Affinity Bancshares (AFBI) investor relations material
Affinity Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 was $2.2 million, up from $1.0 million in Q2 2024; six-month net income rose to $4.0 million from $2.4 million year-over-year.
Operating income for Q2 2025 reached $2.3 million, compared to $1.8 million in Q2 2024.
Total assets increased $67.0 million to $933.8 million at June 30, 2025, driven by higher loans and cash balances.
Stockholders' equity decreased by $5.0 million to $124.1 million, mainly due to a special dividend and stock repurchases.
Financial highlights
Net interest income for Q2 2025 was $7.8 million, up 2.8% year-over-year; six-month net interest income rose 5.6% to $15.1 million.
Net interest margin for Q2 2025 was 3.57%, down from 3.71% in Q2 2024; six-month margin remained steady at 3.55%.
Provision for credit losses was $17,000 in Q2 2025, down from $213,000 in Q2 2024; allowance for credit losses stood at $8.5 million (1.17% of loans).
Noninterest income fell 23.5% to $540,000 in Q2 2025, mainly due to lower merchant services and real estate gains.
Noninterest expenses dropped 18.6% to $5.5 million in Q2 2025, reflecting lower professional and other fees.
Key financial ratios and metrics
Return on average assets for Q2 2025 was 0.94%, up from 0.48% in Q2 2024.
Return on average equity for Q2 2025 was 7.01%, up from 3.33% in Q2 2024.
Efficiency ratio improved to 65.72% in Q2 2025 from 78.74% in Q2 2024.
Allowance for credit losses to non-performing loans was 190.3% at June 30, 2025.
Book value per share at June 30, 2025 was $19.66; tangible book value per share was $16.80.
Explain 3-month NIM yield/cost differential.
Non-owner occupied office loan portfolio details.
What drove the decrease in borrowings?
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Next Affinity Bancshares earnings date
Q3 202524 Oct, 2025
Next Affinity Bancshares earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
Affinity Bancshares, Inc. is a bank holding company. It operates primarily through its subsidiary, Affinity Bank, a national bank that provides a range of banking services. Affinity Bank offers deposit products such as checking and savings accounts, certificates of deposit, and individual retirement accounts. Additionally, it provides various loan options, including commercial real estate, residential mortgage, construction, and consumer loans. The bank also specializes in dental practice loans and operates a virtual bank, FitnessBank, which offers higher interest rates tied to customers' fitness goals. The company is headquartered in Covington, Georgia, and its shares are listed on the NASDAQ.
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