AFFINITY BANK, NATIONAL ASSOCIATION

COVINGTON, GA | Medium | Est. Jan. 1, 1928, midnight | FDIC #29510 | RSSD #321273 | OCC
Latest Report: 2025-12-31

AFFINITY BANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in COVINGTON, GA, established in Jan. 1, 1928, midnight. As of 2025-12-31, the bank reported total assets of $881M and total deposits of $703M. Profitability stands at 0.99% ROA and 7.90% ROE, with a net interest margin of 3.95%. The bank's CET1 capital ratio is 12.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.48% and a Texas Ratio of 2.93%. FDIC Certificate #29510.

Assets

$881M

Deposits

$703M

Loans

$743M

Equity

$113M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 7.90%
Net Interest Margin (NIM) 3.95%
Yield on Assets 6.33%
Cost of Funds 2.53%

Asset Quality

NPL Ratio 0.48%
Net Charge-Off Ratio -0.03%
Texas Ratio 2.93%
NPA Ratio 0.41%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 12.04%
Tier 1 Capital 12.04%
Total Capital Ratio 13.24%
Leverage Ratio 10.82%
Loan-to-Deposit 105.61%

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