Affinity Bancshares, Inc.
affinitybankshares.q4ir.comWhat Do They Do?
Makes loans and offers deposit accounts to dental professionals, small businesses and other borrowers.
10-K for FY2025, filed Mar 20, 2026General. Our historical lending activity consists of originating commercial real estate loans, commercial and industrial loans and…View ↗
Commercial and Industrial Loans. We make commercial and industrial loans, primarily in our market area, to a variety of professionals, sole…View ↗
Our commercial business loans to dental professionals totaled $117.9 million at December 31, 2025. The significant majority of these loans…View ↗
Service charges on deposit accounts: The deposit contract obligates the Company to serve as a custodian of the customer’s deposited funds…View ↗
How Do They Make Money?
Earns interest on loans and interest-earning deposits, plus fees for deposit services, card transactions and other services. Deposit-account fees are charged monthly or when extra services are requested; card fees arise when a customer uses a card.
10-K for FY2025, filed Mar 20, 2026Net income increased $2.9 million, or 53.1%, to $8.3 million for the year ended December 31, 2025, compared to $5.4 million for the year…View ↗
Service charges on deposit accounts: The deposit contract obligates the Company to serve as a custodian of the customer’s deposited funds…View ↗
ATM fee income: A contract between the Company, as a card-issuing bank, and its customers whereby the Company receives a transaction fee…View ↗
Other noninterest income: Other noninterest income includes several items, such as wire transfer income, check cashing fees, and safe…View ↗
$51M
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10-K for FY2025, filed Mar 20, 2026
$51M ↗
Who Are Their Customers?
Lends to dental professionals, small and midsize businesses, and other borrowers through its loan staff, existing customer relationships, walk-ins, and referrals from real estate brokers, builders and attorneys; it also serves deposit-account customers.
10-K for FY2025, filed Mar 20, 2026Commercial and Industrial Loans. We make commercial and industrial loans, primarily in our market area, to a variety of professionals, sole…View ↗
Our commercial business loans to dental professionals totaled $117.9 million at December 31, 2025. The significant majority of these loans…View ↗
Lending activities are conducted by our salaried loan personnel operating at our main and branch office locations and our loan production…View ↗
Service charges on deposit accounts: The deposit contract obligates the Company to serve as a custodian of the customer’s deposited funds…View ↗
How Are They Changing?
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Jul 22, 2026
Merger closing is expected August 1
The merger is expected to close August 1, 2026, subject to customary closing conditions.
Sources
8-K, filed Jul 22, 2026
The Mergers are expected to close August 1, 2026, subject to the satisfaction of customary closing conditions.View ↗
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Jul 17, 2026
Merger has received regulatory approvals
Fidelity BancShares and Fidelity Bank received required approvals and non-objections; customary closing conditions remain.
Sources
8-K, filed Jul 17, 2026
Fidelity Bancshares and Fidelity Bank have received all required regulatory approvals and non-objections to complete the Mergers. The…View ↗
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Mar 31, 2026
Affinity agreed to merge with Fidelity Bank
Each Affinity stockholder is entitled to $23.00 in cash per share, subject to an equity-based adjustment.
Sources
8-K, filed Mar 31, 2026
Under the terms of the Agreement, each Company stockholder will be entitled to receive $23.00 in cash per share of Company common stock…View ↗
Growing. Revenue grew 57% in 4 years, from $32.5M in FY2021 to $51M in FY2025, about 12% a year.
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