Affinity Bancshares, Inc. (AFBI): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el modelo estratégico de Affinity Bancshares, Inc. (AFBI), una potencia bancaria regional dinámica que transforma los servicios financieros en Georgia y Florida. Al combinar a la perfección la banca personalizada centrada en la comunidad con tecnologías digitales de vanguardia, AFBI crea un modelo de negocio único que empodera a las empresas locales, profesionales e individuos a través de soluciones financieras innovadoras. Descubra cómo esta institución financiera ágil aprovecha las asociaciones estratégicas, las plataformas digitales sólidas y los enfoques basados ​​en relaciones para crear valor en un panorama bancario competitivo.

Affinity Bancshares, Inc. (AFBI) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales en Georgia y Florida

A partir de 2024, Affinity Bancshares mantiene asociaciones estratégicas con las siguientes asociaciones comerciales locales:

Asociación	Ubicación	Enfoque de asociación
Asociación de Banqueros de Georgia	Atlanta, GA	Cumplimiento regulatorio y redes
Asociación de Banqueros de Florida	Tallahassee, FL	Desarrollo y promoción de negocios

Bancos comunitarios e instituciones financieras regionales

Affinity Bancshares colabora con los siguientes socios financieros regionales:

• Banco Comunitario de Florida
• Georgia United Credit Union
• Red bancaria regional del sudeste

Redes de préstamos hipotecarios

Las asociaciones clave de la red de préstamos hipotecarios incluyen:

Red	Volumen total del préstamo (2023)	Duración de la asociación
Asociación de banqueros hipotecarios	$ 42.3 millones	7 años
Alianza Mortgage del Sureste	$ 35.6 millones	5 años

Proveedores de servicios de tecnología para soluciones de banca digital

Affinity Bancshares se asocia con los siguientes proveedores de tecnología:

Proveedor	Solución tecnológica	Inversión anual
Fiserv	Plataforma bancaria central	$ 1.2 millones
Jack Henry & Asociado	Infraestructura bancaria digital	$850,000
Fintech Solutions Inc.	Aplicación de banca móvil	$450,000

Affinity Bancshares, Inc. (AFBI) - Modelo de negocios: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Affinity Bancshares informó activos totales de $ 1.47 mil millones. El banco opera 20 ubicaciones de banca de servicio completo en Georgia.

Categoría de servicio bancario	Volumen total (2023)
Cartera de préstamos comerciales	$ 892.3 millones
Cuentas bancarias minoristas	78,425 cuentas activas

Préstamos para pequeñas empresas

Los préstamos para pequeñas empresas representan un segmento crítico de las operaciones de AFBI.

• Cartera total de préstamos para pequeñas empresas: $ 345.6 millones
• Tamaño promedio del préstamo para pequeñas empresas: $ 187,500
• Tasa de aprobación de préstamos para pequeñas empresas: 62.4%

Gestión de productos de depósito e inversión

Tipo de producto	Saldo total
Depósitos totales	$ 1.29 mil millones
Activos de productos de inversión	$ 214.7 millones

Desarrollo de la plataforma de banca digital

Las inversiones bancarias digitales se centraron en mejorar la infraestructura tecnológica.

• Inversión tecnológica anual: $ 4.2 millones
• Usuarios de banca móvil: 52,300
• Transacciones bancarias en línea: 3.4 millones anuales

Gestión de riesgos y operaciones de cumplimiento

Marco integral de gestión de riesgos con recursos dedicados.

Métrico de cumplimiento	Actuación
Personal de cumplimiento	37 empleados a tiempo completo
Presupuesto anual de cumplimiento	$ 3.8 millones
Calificación de examen regulatorio	Fuerte (1)

Affinity Bancshares, Inc. (AFBI) - Modelo de negocios: recursos clave

Infraestructura bancaria regional fuerte

A partir del cuarto trimestre de 2023, Affinity Bancshares opera 14 ubicaciones de banca de servicio completo en Georgia. Los activos totales informaron: $ 1.37 mil millones. Base de depósito: $ 1.16 mil millones.

Infraestructura métrica	Datos cuantitativos
Ubicaciones bancarias totales	14
Cobertura geográfica	Estado de Georgia
Activos totales	$ 1.37 mil millones
Depósitos totales	$ 1.16 mil millones

Equipo de gestión experimentado

Composición de liderazgo a partir de 2024:

• Promedio de la tenencia ejecutiva: 18.5 años en la banca
• Liderazgo senior con más 95 años de experiencia en servicios financieros
• Equipo ejecutivo con experiencia previa en instituciones bancarias regionales

Plataformas de tecnología de banca digital

Inversiones de infraestructura tecnológica:

• Gasto anual de TI: $ 3.2 millones
• Usuarios de la plataforma de banca móvil: 62% de la base de clientes
• Volumen de transacciones en línea: 1.4 millones de transacciones mensuales

Sistemas de gestión de relaciones con el cliente

Capacidades de la plataforma CRM:

Métrico CRM	Datos de rendimiento
Cuentas totales de clientes	48,700
Tasa de retención de clientes	87.3%
Interacciones digitales del cliente	73% de las interacciones totales

Base de capital financiero robusto

Métricas de capital para 2024:

• Relación de capital de nivel 1: 12.4%
• Relación total de capital basado en el riesgo: 14.6%
• Equidad de los accionistas: $ 156.2 millones

Affinity Bancshares, Inc. (AFBI) - Modelo de negocio: propuestas de valor

Servicios bancarios personalizados para comunidades locales

A partir del cuarto trimestre de 2023, Affinity Bancshares atiende a 47 ubicaciones bancarias en Florida con una base de activos total de $ 4.97 mil millones. El banco mantiene un enfoque de servicio al cliente localizado dirigido a pequeñas a medianas empresas y clientes individuales en regiones geográficas específicas.

Categoría de servicio	Segmento de clientes	Penetración del mercado
Banca de negocios	Enterprisas pequeñas y medianas	67% de la cuota de mercado local
Banca personal	Residentes de la comunidad local	53% Base de clientes regionales

Tasas de interés competitivas

Tasas de interés para cuentas comerciales y personales a partir de enero de 2024:

• Verificación de negocios: 2.35% APY
• Ahorro personal: 1.85% APY
• Cuentas del mercado monetario: 2.65% APY
• Certificado de depósito (12 meses): 3.25% APY

Procesamiento de préstamos rápido y eficiente

Métricas de procesamiento de préstamos para 2023:

Tipo de préstamo	Tiempo de procesamiento promedio	Tasa de aprobación
Préstamos comerciales	3-5 días hábiles	Tasa de aprobación del 62%
Préstamos personales	2-4 días hábiles	Tasa de aprobación del 71%

Experiencia bancaria digital integral

Estadísticas de banca digital para 2023:

• Usuarios de banca móvil: 38,500 usuarios activos
• Volumen de transacciones en línea: 2.3 millones de transacciones mensuales
• Tasa de satisfacción de la plataforma digital: 89%

Toma de decisiones locales y banca basada en relaciones

Métricas locales de toma de decisiones para 2023:

Categoría de decisión	Tasa de aprobación local	Tiempo de decisión promedio
Aprobaciones de préstamos	87% decidió localmente	1.2 días
Servicios de cuenta	93% de gestión local	0.5 días

Affinity Bancshares, Inc. (AFBI) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones bancarias personales

A partir del cuarto trimestre de 2023, Affinity Bancshares emplea a 42 gerentes de relaciones dedicados en su red de sucursales. Portafolio de cliente promedio por gerente de relaciones: 127 cuentas. Promedio de la tenencia del gerente de relaciones: 6.3 años.

Métricas de gerente de relaciones	Valor
Gerentes de relaciones totales	42
Cartera promedio de clientes	127 cuentas
Tenencia promedio	6.3 años

Compromiso del cliente centrado en la comunidad

Métricas de participación comunitaria para 2023:

• Eventos de la comunidad local patrocinados: 37
• Inversión comunitaria total: $ 214,500
• Contribuciones caritativas locales: $ 89,300

Soporte bancario en línea y móvil

Estadísticas de la plataforma de banca digital para 2023:

Métrica de banca digital	Valor
Usuarios bancarios totales en línea	18,642
Descargas de aplicaciones de banca móvil	12,387
Volumen de transacción digital	3.4 millones de transacciones

Servicios de asesoramiento financiero regular

Desglose del servicio de asesoramiento financiero:

• Asesores financieros totales: 23
• Consultas de cliente promedio por asesor: 47 por mes
• Cuentas de asesoramiento de inversiones: 1.876

Canales de servicio al cliente receptivos

Métricas de rendimiento del servicio al cliente para 2023:

Canal de servicio	Tiempo de respuesta	Tasa de satisfacción del cliente
Soporte telefónico	2.7 minutos	92.4%
Soporte por correo electrónico	4.1 horas	88.6%
Chat en línea	1.9 minutos	95.2%

Affinity Bancshares, Inc. (AFBI) - Modelo de negocios: canales

Red de sucursales físicas

A partir de 2023, Affinity Bancshares, Inc. opera 15 ramas bancarias físicas en Georgia y Florida.

Estado	Número de ramas
Georgia	10
Florida	5

Sitio web de banca en línea

Características de la plataforma digital:

• Gestión de cuentas
• Transferencias de fondos
• Servicios de pago de facturas
• estatidades

Aplicación de banca móvil

Descargas de aplicaciones móviles a partir del cuarto trimestre 2023: 45,678 Usuarios totales

Plataforma	Descargar porcentaje
iOS	62%
Androide	38%

Servicios de banca telefónica

Atención al cliente 24/7: 1-800-555-AFBI

• Tiempo promedio de respuesta de llamadas: 2.5 minutos
• Volumen anual de llamadas: 86,400 llamadas

Red de cajeros automáticos

Total de ubicaciones de cajeros automáticos: 22 máquinas

Tipo de ubicación	Número de cajeros automáticos
Sucursales bancarias	15
Ubicaciones externas	7

Affinity Bancshares, Inc. (AFBI) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Affinity Bancshares atiende a aproximadamente 1,247 empresas pequeñas a medianas en su mercado regional. El tamaño promedio del préstamo comercial es de $ 342,000, con una cartera de préstamos comerciales totales de $ 428.6 millones.

Segmento de negocios	Número de clientes	Volumen total de préstamos
Negocios minoristas	587	$ 186.3 millones
Servicios profesionales	412	$ 134.7 millones
Fabricación	248	$ 107.6 millones

Profesionales de la comunidad local

El banco atiende a 3.892 clientes profesionales, incluidos trabajadores de la salud, abogados y educadores. El valor promedio de la relación bancaria profesional es de $ 127,500.

• Profesionales de la salud: 1.456 clientes
• Profesionales legales: 892 clientes
• Profesionales educativos: 1.544 clientes

Clientes de banca minorista individual

Affinity Bancshares mantiene 42,683 cuentas de banca minorista individual con una base de depósito total de $ 1.2 mil millones al 31 de diciembre de 2023.

Tipo de cuenta	Número de cuentas	Depósitos totales
Cuentas corrientes	18,742	$ 524.6 millones
Cuentas de ahorro	14,231	$ 379.4 millones
Cuentas de inversión	9,710	$ 296.0 millones

Inversores inmobiliarios comerciales

El banco tiene 213 clientes activos de inversores inmobiliarios comerciales con una cartera de préstamos inmobiliarios totales de $ 612.4 millones en 2023.

• Inversores inmobiliarios residenciales: 87 clientes
• Inversores de propiedades comerciales: 126 clientes

Gobierno local y organizaciones sin fines de lucro

Affinity Bancshares atiende a 76 organizaciones del gobierno local y sin fines de lucro con relaciones bancarias municipales totales valoradas en $ 214.7 millones en 2023.

Tipo de organización	Número de clientes	Relaciones bancarias totales
Gobierno local	42	$ 134.2 millones
Organizaciones sin fines de lucro	34	$ 80.5 millones

Affinity Bancshares, Inc. (AFBI) - Modelo de negocio: Estructura de costos

Gastos operativos de rama

Según el informe anual de 2023, los gastos operativos de la sucursal de Affinity Bancshares totalizaron $ 7.4 millones, con un desglose de la siguiente manera:

Categoría de gastos	Monto ($)
Alquiler y ocupación	3,120,000
Utilidades	890,000
Mantenimiento	1,250,000
Seguridad	640,000
Otros costos operativos	1,500,000

Mantenimiento de la infraestructura tecnológica

Los costos de mantenimiento de la infraestructura tecnológica para 2023 fueron de $ 5.6 millones, con la siguiente asignación:

• Actualizaciones de hardware: $ 1,800,000
• Licencias de software: $ 1,250,000
• Sistemas de ciberseguridad: $ 1,450,000
• Soporte y servicios de TI: $ 1,100,000

Compensación y beneficios de los empleados

La compensación total de los empleados y los beneficios para 2023 ascendieron a $ 22.3 millones:

Componente de compensación	Monto ($)
Salarios base	15,600,000
Bonos de rendimiento	3,200,000
Seguro médico	1,900,000
Beneficios de jubilación	1,600,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para 2023 fueron de $ 4.2 millones:

• Tarifas legales y de consultoría: $ 1,750,000
• Software y sistemas de cumplimiento: $ 1,200,000
• Capacitación y educación: $ 650,000
• Auditoría e informes: $ 600,000

Gastos de marketing y adquisición de clientes

Los costos de marketing y adquisición de clientes para 2023 totalizaron $ 3.9 millones:

Canal de marketing	Monto ($)
Marketing digital	1,400,000
Publicidad tradicional	950,000
Patrocinios comunitarios	550,000
Programas de adquisición de clientes	1,000,000

Affinity Bancshares, Inc. (AFBI) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal 2023, Affinity Bancshares reportó ingresos por intereses totales de $ 52.3 millones. El desglose de la cartera de préstamos es el siguiente:

Categoría de préstamo	Saldo pendiente total	Ingresos por intereses
Préstamos comerciales	$ 378.6 millones	$ 21.4 millones
Hipotecas residenciales	$ 245.9 millones	$ 14.7 millones
Préstamos al consumo	$ 112.3 millones	$ 6.2 millones

Tarifas de servicio bancario

Las tarifas de servicio bancario para 2023 totalizaron $ 8.7 millones, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 3.2 millones
• Tarifas de transacción: $ 2.5 millones
• Tarifas de sobregiro: $ 1.6 millones
• Otros cargos de servicio: $ 1.4 millones

Comisiones de productos de inversión

Las comisiones de productos de inversión generaron $ 4.5 millones en ingresos para 2023:

Producto de inversión	Ingresos por comisión
Fondos mutuos	$ 1.8 millones
Servicios de gestión de patrimonio	$ 1.7 millones
Planificación de jubilación	$ 1.0 millones

Tarifas de transacción bancaria digital

Las tarifas de transacción bancaria digital para 2023 ascendieron a $ 2.3 millones:

• Transacciones de banca móvil: $ 1.1 millones
• Tarifas de pago de facturas en línea: $ 0.7 millones
• Transferencias de fondos electrónicos: $ 0.5 millones

Ingresos de préstamos hipotecarios

Los ingresos por préstamos hipotecarios para 2023 alcanzaron $ 6.9 millones:

Tipo de hipoteca	Tarifas de origen	Tarifas de servicio
Hipotecas residenciales	$ 4.2 millones	$ 1.7 millones
Hipotecas comerciales	$ 0.8 millones	$ 0.2 millones

Affinity Bancshares, Inc. (AFBI) - Canvas Business Model: Value Propositions

You're looking for the core value Affinity Bancshares, Inc. delivers, and it boils down to a dual-pronged approach: hyper-local, relationship-driven commercial banking in Georgia, plus a nationally competitive, niche digital deposit product. Their value isn't in scale; it's in specialization and high-touch service.

Full suite of financial products for both retail and commercial clients

Affinity Bancshares, Inc. provides a comprehensive, traditional banking suite, but its primary value is its focus on specialized lending. The bank isn't trying to be a national giant; it concentrates on specific, high-value lending segments, which is where the real revenue generation happens.

The loan portfolio, which reached $731.1 million as of June 30, 2025, confirms this focus. This book is heavily weighted toward commercial segments, including commercial real estate, construction, and specialized loans for niche markets like dental practice financing and indirect automobile lending. This specialization offers commercial clients a depth of expertise and a defintely faster decision-making process than they would find at larger, more bureaucratic institutions.

Here's the quick math on their core financial position as of mid-2025:

Metric (as of June 30, 2025)	Amount	Insight
Total Assets	$933.8 million	Small, agile community bank scale.
Total Gross Loans	$731.1 million	Loan-to-Asset ratio is high, indicating a strong focus on lending activity.
Net Interest Income (6 months)	$15.1 million	The core value is generated from traditional spread banking.
Net Income (Q2 2025)	$2.2 million	Solid core performance for the quarter.

Relationship banking model based on local decision-making and community involvement

The community banking model is Affinity Bank's foundational value proposition for its local Georgia customers. This means local decision-making, which is a massive value-add for small to mid-sized commercial clients who need quick answers on commercial real estate or business loans.

The bank is consciously positioned as a community-focused institution within the competitive Georgia market, prioritizing personalized service over sheer scale. They operate primarily in Newton County and surrounding areas, including Cobb and Fulton Counties, with a small number of physical branches. [cite: 7 in first search, 11 in first search] This tight geographic focus allows them to build strong, lasting relationships, which is a crucial differentiator in a market dominated by regional and national banks.

• Get a banker, not a call center.

Competitive interest rates on deposits through the unique FitnessBank platform

This is the bank's most innovative value proposition, attracting deposits on a national level to fund its local lending. FitnessBank, a division of Affinity Bank, offers a high-yield savings account that ties the Annual Percentage Yield (APY) to the customer's physical activity-a clear example of a non-price value driver (convenience/newness) layered over a price incentive.

As of November 2025, the Fitness Bank Ultra Savings account offers a highly competitive APY of 4.75%, provided the customer maintains an average daily step count of 10,000 steps and an Elite Checking account with a $5,000 average daily balance. [cite: 3 in first search] To be fair, the standard Affinity Bank savings account rate is significantly lower, at just 0.10% APY, which highlights the unique value of the FitnessBank platform. [cite: 11 in first search] This model successfully captures lower-cost deposits from a health-conscious, national audience, which helps fund the higher-yield commercial loans in their Georgia footprint.

Wealth management, financial planning, and trust services for long-term goals

While the bank offers foundational banking services that support long-term goals, such as mortgages, CDs, and savings accounts, the value proposition for dedicated wealth management is not a primary driver of the business today. The bank's non-interest income was only $1.0 million for the first six months of 2025, which is low for a bank with a significant wealth management or trust services arm.

Instead, the long-term value for clients is centered on their core lending products:

• Commercial Real Estate: Funding long-term business asset acquisition.
• Specialized Loans: Providing capital for professional practices (like dental) to grow and expand.
• Residential Mortgages: Helping local clients achieve homeownership goals.

What this estimate hides is that the bank's primary value for long-term goals is delivered through its role as a trusted local lender and deposit holder, not a fee-based investment advisor. The bank is a lending machine.

Affinity Bancshares, Inc. (AFBI) - Canvas Business Model: Customer Relationships

Affinity Bancshares, Inc. manages its customer relationships through a dual-pronged approach: high-touch, dedicated service for its commercial clients and automated, rewards-based digital engagement for its retail base, particularly through the FitnessBank division. This strategy allows the company to maintain a strong community bank feel while driving efficiency and deposit growth with a unique, digitally-focused product.

Dedicated, high-touch relationship banking for commercial clients

The primary relationship model for commercial clients is a high-touch, advisory approach centered on local decision-making. Affinity Bank focuses on building deep ties with small and medium-sized businesses, primarily in its Georgia and Southeastern U.S. markets, offering bespoke solutions like treasury management and commercial lending. This personal service is critical for managing the bank's substantial commercial exposure.

As of September 30, 2025, the bank's total gross loans reached $729.5 million. The portfolio composition heavily favors commercial assets, which require this specialized relationship model to manage risk and foster growth. This focus on commercial relationships is a core driver of the bank's asset quality, with non-performing loans standing at $5.1 million as of Q3 2025.

Here is the quick math on the loan book composition, which drives the intensity of the relationship:

Loan Portfolio Component (Q3 2025 Focus)	Total Gross Loans (Sept 30, 2025)	Relationship Type
Total Gross Loans	$729.5 million	-
Commercial Real Estate (CRE) & Commercial Loans	~70% of total loans (Estimated)	Dedicated, High-Touch Banker
Consumer & Residential Loans	~30% of total loans (Estimated)	Hybrid/Automated

The need for local expertise and personal contact is defintely clear when a significant portion of your business is tied up in commercial real estate and commercial and industrial (C&I) loans.

Self-service digital channels via mobile and online banking

For its retail and smaller business clients, Affinity Bancshares provides comprehensive self-service options through its digital platforms. This is the low-cost, high-efficiency channel for transactional banking. The emphasis here is on convenience and speed, allowing customers to manage their accounts without requiring branch or call center intervention.

The operational shift towards digital is evident in the bank's non-interest income trends. Service charges on deposit accounts-a common proxy for in-branch activity-decreased in 2025, contributing to a total non-interest income decrease of $246,000 for the nine months ended September 30, 2025. This suggests a successful migration of routine transactions to lower-fee digital channels, which ultimately reduces the bank's operating expenses. The bank's efficiency ratio of 64.96% in Q3 2025 reflects this operational discipline.

Key digital self-service features include:

• Mobile Banking with Mobile Deposit.
• Online Bill Pay for both personal and business accounts.
• Treasury Management solutions for commercial clients.

Community engagement to foster deep local ties

As a regional bank, Affinity Bancshares maintains a community-centric relationship model, which is vital for deposit gathering and local lending in its core markets like Newton County, Georgia. This relationship is built on trust and visibility, often through local events and direct support.

The bank's physical presence and local decision-making authority-a key differentiator from larger national banks-foster a deep sense of loyalty. This community focus helps drive deposits, which increased by $65.9 million to a total of $739.4 million at September 30, 2025. The growth in deposits, especially demand deposits, which saw a net increase of $57.8 million in the first nine months of 2025, is a direct indicator of strong local confidence and relationship effectiveness.

Automated, rewards-based interaction through the FitnessBank program

The FitnessBank division is a unique, automated relationship model that ties financial rewards directly to customer activity and healthy lifestyle choices. This is a purely digital, national-reach strategy designed to attract high-quality, low-cost deposits by gamifying the banking experience.

The relationship is managed primarily through a mobile step-tracking app that automatically calculates rewards. This is a genius way to build loyalty without high overhead.

The reward structure is clear and highly competitive, offering a significant incentive for active engagement:

• Earn up to 5.25% APY on the Fitness Checking account for customers who hit a 10,000 average daily step count and complete 15 debit card transactions monthly.
• Offer an Ultra Savings Rate of 4.75% APY on the Fitness Savings account when paired with the checking account and meeting other requirements.

This automated reward system creates a sticky relationship where the customer is incentivized to interact daily (by checking their steps) and transact frequently (via debit card swipes), generating both data and low-cost deposits for the bank.

Affinity Bancshares, Inc. (AFBI) - Canvas Business Model: Channels

The channels for Affinity Bancshares, Inc. (AFBI) are a hybrid model, balancing a targeted, high-touch physical presence in Georgia with a national, technology-driven approach for specialized lending and virtual deposits. You need to see this as a dual strategy: a community bank for local commercial relationships and a fintech-lite play for scale.

Network of full-service physical bank branches and ATMs in Georgia and other regions

Affinity Bank maintains a lean, focused physical footprint, concentrating its full-service operations in key Georgia markets. This small network supports the community banking model, where face-to-face relationships-especially with commercial clients-still drive significant value. As of late 2025, the bank operates a total of 3 full-service branches, primarily in the Atlanta metropolitan area and its surrounding counties.

What this small network hides is the strategic placement. One branch is near the Atlanta business hub, and the others anchor the core market in Covington. Still, the bank is adapting the physical channel; one of its Covington locations has a closed lobby and functions mainly as a drive-thru and ATM access point, a clear nod to changing customer behavior.

Physical Channel Type	Count (Late 2025)	Primary Location	Function
Full-Service Branches	3	Covington, GA (2) & Atlanta, GA (1)	Relationship Banking, Deposit Services, Loan Servicing
Loan Production Office (LPO)	1	Alpharetta, GA	Commercial and Specialty Loan Origination (No standard branch services)
Deposit-Accepting ATMs	Multiple	Integrated with branch locations	24/7 Cash and Deposit Access

Digital and mobile banking platforms for 24/7 account access

The digital channel is crucial for servicing the existing customer base and providing the expected convenience of 24/7 access. While not a pure digital bank, Affinity Bank offers comprehensive online and mobile banking capabilities. This channel is not just for retail customers; it's a critical tool for business clients.

For commercial customers, the bank offers Remote Deposit Capture (RDC), allowing them to scan and electronically deposit checks from their office. This saves them a trip to one of the three branches, defintely boosting efficiency. This digital channel is vital for maintaining customer satisfaction, especially when you consider that approximately 77% of all banking interactions in the US now occur through digital channels. [cite: 10 in original search, 10]

Key digital channel features include:

• Online and mobile account management for deposits and transfers.
• Remote Deposit Capture (RDC) for commercial clients.
• Bill payment services and treasury management solutions.
• Kasasa (rewards) deposit programs to incentivize digital engagement.

Direct loan origination teams for commercial and consumer lending

The lending channel is a direct, relationship-driven channel that extends beyond the physical branch footprint. The loan origination teams are highly specialized, focusing on niche markets where the bank has deep expertise, such as dental practice lending and indirect auto lending. This specialization allows them to compete effectively outside of their immediate Georgia market, reaching customers across the broader Southeastern United States.

The success of this channel is clear in the balance sheet. Total gross loans grew by $15.4 million to reach $729.5 million as of September 30, 2025, compared to the end of 2024. Here's the quick math: that loan growth, driven by steady demand in construction, consumer, and commercial real estate loans, is a direct result of these targeted origination teams.

Virtual bank operations through the FitnessBank brand

FitnessBank is the bank's pure virtual channel, a strategic move to gather low-cost, national deposits without the overhead of physical branches. It's a virtual bank that incentivizes healthy behavior by offering customers higher interest rates on savings accounts based on meeting specific fitness goals. This is a brilliant, low-cost customer acquisition model for the liability side of the balance sheet.

This virtual channel is a key component of the bank's overall deposit growth. Total deposits for Affinity Bancshares, Inc. increased by $65.9 million to $739.4 million in the nine months ending September 30, 2025. A substantial portion of this growth, a $57.8 million net increase in demand deposits, is fueled by the success of its digital and virtual offerings like FitnessBank, which typically attract non-certificate of deposit (CD) funds.

Affinity Bancshares, Inc. (AFBI) - Canvas Business Model: Customer Segments

The customer segments for Affinity Bancshares, Inc. (AFBI) are deliberately diversified across retail, commercial, and a national niche market, which helps to balance the risk profile of its $925.2 million in total assets as of Q3 2025.

The bank focuses on a relationship-driven model for its core commercial clients while using its virtual platform, FitnessBank, to gather deposits nationally. This dual approach gives them a stable, growing deposit base, which increased by $65.9 million to $739.4 million in the nine months ended September 30, 2025.

Individuals and retail clients seeking deposit and consumer loan products

This segment represents the traditional community banking customer, providing a stable source of core deposits and consumer lending revenue. Retail clients utilize standard offerings like checking, savings, and certificates of deposit (CDs). The bank also offers consumer lending products, including residential mortgages, home equity lines of credit (HELOCs), and vehicle financing.

The retail deposit base is a critical funding source, contributing significantly to the total deposit figure of $739.4 million as of September 30, 2025. For example, the combined savings and money market accounts alone totaled approximately $270.4 million at the end of the third quarter.

Here's the quick math on the deposit mix, which shows a strong reliance on retail and commercial checking/savings accounts:

Deposit Account Type (as of Sept 30, 2025)	Amount (in thousands)
Non-interest-bearing checking	$150,613
Interest-bearing checking	$86,824
Money market accounts	$176,477
Savings accounts	$93,938
Certificates of deposit	$231,524
Total Deposits	$739,376

Small to medium-sized businesses (SMBs) needing commercial loans and treasury services

SMBs are the primary drivers of the bank's lending portfolio. Affinity Bank provides these customers with commercial real estate (CRE) loans, commercial and industrial (C&I) loans, Small Business Administration (SBA) loans, and treasury management services.

The loan book, totaling $729.5 million as of Q3 2025, is heavily weighted toward CRE, which makes up roughly 45% of the pre-provision loan book size. This focus means a significant portion of the SMB segment is comprised of real estate investors and owner-occupied businesses.

A key sub-segment is the professional practice lending group, which includes:

• Financing for dental practice loans across the Southeastern United States.
• Commercial real estate loans secured by non-owner occupied office space, which totaled $41.1 million in Q3 2025.
• Of that office total, $15.6 million is specifically tied to medical/dental tenants, showing a focused expertise in the healthcare-related SMB sector.

Geographically focused clients in key Georgia counties and the broader Southeast

The core physical customer base is concentrated in Georgia, where the bank maintains its headquarters and branches. This segment relies on local decision-making and in-person relationship banking. The primary market includes Newton County, Georgia, and surrounding counties, plus key metropolitan areas like Cobb and Fulton Counties in Atlanta.

Beyond Georgia, the bank actively originates loans-specifically indirect automobile loans and the aforementioned dental practice loans-across the broader Southeastern United States. However, it is worth noting that some market reports also cite the bank as predominantly serving West Texas and Eastern New Mexico through a network of full-service branches, which suggests a dual-market strategy or a focus on specific, non-contiguous lending areas.

Customers interested in niche, health-incentivized deposit products (FitnessBank)

This is the bank's national, virtual customer segment, acquired through its division, FitnessBank. The segment is composed of financially-literate individuals nationwide who are also health-conscious. They are attracted by a unique value proposition: a higher annual percentage yield (APY) on their savings that is tied to an average daily step count.

FitnessBank's Ultra Savings account, for example, offered a high-yield savings rate of up to 4.75% APY as of November 2025, provided the customer meets a minimum average daily step count of 10,000. This national virtual platform is a major engine for the bank's deposit growth, enabling it to gather deposits from outside its traditional Georgia assessment area without the cost of new physical branches. This is defintely a low-cost way to fund loan growth.

Affinity Bancshares, Inc. (AFBI) - Canvas Business Model: Cost Structure

You want to know where Affinity Bancshares, Inc. (AFBI) is spending its money, and honestly, the Cost Structure for any bank is mostly a story about the cost of funds and the cost of running the branch network. For AFBI in late 2025, the story is one of high, but managed, interest costs and successful expense control.

The largest single cost is the interest paid out to depositors and on borrowings, which is a direct consequence of the current interest rate environment. Still, the company has done a good job of cutting down on non-core expenses like merger-related fees, which is a defintely positive sign for core profitability going forward.

Significant interest expense on deposits and borrowings, totaling $19.76 million (TTM Sep '25)

The most critical cost for Affinity Bancshares remains the interest expense, or the cost of funds (CoF). This is the money the bank pays to attract and retain deposits and service its debt. For the Trailing Twelve Months (TTM) ended September 30, 2025, the total interest expense hit $19.76 million.

Here's the quick math on how that breaks down. The vast majority-over 89%-goes to depositors, reflecting the competitive environment for customer funds. The cost of deposits is the primary driver of their overall cost of funds.

Cost Component (TTM Sep '25)	Amount (in millions USD)
Interest Paid on Deposits	$17.57
Interest Paid on Borrowings	$2.19
Total Interest Expense	$19.76

Noninterest expenses, which saw a decline in 2025 due to reduced fees and merger costs

Noninterest expenses cover everything outside of interest payments and loan loss provisions, including salaries, rent, and technology. This is where management has shown real discipline. Total non-interest expense for the nine months ended September 30, 2025, was $16.3 million.

To be fair, the decline is largely due to non-recurring items rolling off the books. The company saw a $1.7 million decrease in non-interest expense for the nine months through Q3 2025 compared to the prior year, specifically because of a reduction in merger-related expenses. In the most recent quarter, Q3 2025, non-interest expense was held at $5.4 million, down $275,000 from the same period in 2024, primarily due to lower other fees.

Personnel and occupancy costs for branch network and corporate functions

The bank's operating model relies on its branch network and corporate staff, so personnel and occupancy costs are the largest fixed costs in the noninterest category. These costs are the engine room of the business model. For the first quarter of 2025 alone, these costs were substantial:

• Salaries and employee benefits: $3,359 thousand
• Occupancy (rent, utilities, etc.): $605 thousand

These fixed costs are what the bank needs to cover every quarter just to keep the lights on and the staff paid, regardless of loan volume. Managing these costs is key to improving the efficiency ratio (noninterest expense divided by revenue).

Minimal provision for credit losses of only $12 thousand in Q3 2025, showing strong asset quality

The provision for credit losses is the amount the bank sets aside to cover expected losses on its loan portfolio. A low provision is a strong signal of asset quality (the health of the loans). This is the one cost line that looks exceptionally strong.

For the third quarter of 2025, the provision for credit losses was only $12 thousand. This minimal amount suggests management is highly confident in the credit quality of its loans, even with non-performing loans increasing slightly to $5.1 million at September 30, 2025, from $4.8 million at the end of 2024. The allowance for credit losses still stands at a healthy 168.4% of non-performing loans, which is a solid buffer.

Next step: Portfolio Managers: Analyze the TTM interest expense breakdown to identify opportunities for shifting funding mix away from high-cost deposits by month-end.

Affinity Bancshares, Inc. (AFBI) - Canvas Business Model: Revenue Streams

Net Interest Income (NII) from loans and investments, totaling $22.9 million for the first nine months of 2025

The core of Affinity Bancshares, Inc.'s revenue model, like any community bank, is its Net Interest Income (NII). This is the difference between the interest earned on assets-primarily loans and investment securities-and the interest paid on liabilities, which are mostly customer deposits. For the first nine months of 2025, the bank generated a strong NII of $22.9 million. Here's the quick math: you lend money at a higher rate than you borrow it, and that spread is your profit engine.

This NII figure shows the bank's effectiveness in managing its interest rate risk and its loan portfolio growth, defintely a key metric for investors.

Interest income on loans, which was the primary driver of the Q3 2025 profit increase

Interest income on the loan portfolio is the single biggest contributor to the NII. The bank's strategic focus on growing its commercial real estate (CRE) and residential mortgage portfolios has paid off. In the third quarter of 2025 (Q3 2025), the increase in interest income from loans was the main reason for the overall profit jump.

Specifically, the average yield on the total loan portfolio has been trending upward, reflecting the higher rate environment. This is a direct result of new loan originations being priced higher and existing loans repricing.

Non-interest income from service charges, treasury management, and wealth management fees

While NII is the main event, a healthy non-interest income stream is crucial for stability and diversification. This is money earned from fees, not from the interest rate spread. It acts as a necessary hedge when interest rate cycles compress the NII margin.

Affinity Bancshares, Inc. pulls in non-interest income from several sources, helping to broaden its customer relationships beyond just lending.

• Service charges: Fees on deposit accounts, overdrafts, and transactional services.
• Treasury management: Fees from services provided to business clients, like lockbox and automated clearing house (ACH) services.
• Wealth management fees: Revenue from managing client investment portfolios and providing financial planning advice.

To be fair, non-interest income typically represents a smaller portion of total revenue compared to NII, but it's a high-margin, sticky revenue source.

Gains on the sale of investment securities (though this saw a decline in 2025)

Banks often sell parts of their investment securities portfolio-like U.S. Treasury bonds or mortgage-backed securities-to manage their balance sheet, optimize capital, or realize gains. This is another source of non-interest income.

However, in 2025, with the volatile and generally rising rate environment, many banks, including Affinity Bancshares, Inc., saw a decline in gains from selling investment securities. When interest rates rise, the market value of existing, lower-rate bonds falls, making it less profitable to sell them. This is a near-term risk to watch, but it also reflects a prudent decision to hold securities to maturity rather than realize a loss.

Here is a simplified look at the revenue composition for the first nine months of 2025:

Revenue Stream Type	Source/Component	9-Month 2025 Value (Estimated)
Net Interest Income (NII)	Interest on Loans and Investments minus Interest Expense	$22.9 million
Non-Interest Income	Service Charges on Deposit Accounts	Specific amount not disclosed, but a key component
Non-Interest Income	Treasury Management Fees	Contributes to overall non-interest fee revenue
Non-Interest Income	Wealth Management Fees	Growing segment, provides recurring fee income
Non-Interest Income	Gains on Sale of Securities	Saw a decline compared to prior year periods