Affinity Bancshares (AFBI) Q4 2025 earnings summary

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.