# AFFINITY BANK
ATLANTA, GA · FDIC certificate 57264 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $327.1M | |
| Deposits | $253.1M | |
| Loans and leases | $260.9M | |
| Total equity | $33.8M | |
| Loans / deposits | 101.96% (p89 of band) | 85.34% |
| Liquid assets / assets | 16.50% (p27 of band) | |
| Uninsured deposits / deposits | 16.84% (p27 of band) | 22.41% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.00% (p82 of band) | |
| FHLB advances / assets | 10.09% | |
| Tier 1 leverage | 9.43% (p22 of band) | 10.60% |
| Unrealized securities loss / equity | 0.67% (p48 of band) | 0.73% |
| AOCI / equity | 1.35% (p37 of band) | |
| ROA (annualized) | 0.66% (p16 of band) | 1.13% |
| Net interest margin | 3.29% (p23 of band) | 3.74% |
| Efficiency ratio | 71.64% (p69 of band) | |
| Noncurrent loans | 0.02% (p9 of band) | 0.54% |
| Net charge-offs (annualized) | 0.04% (p55 of band) | |
| Reserve coverage of noncurrent | 5415.38% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 61.11% (p70 of band) | |
| Auto loans | $61,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 20.6% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | brokered >10%, wholesale funding >15%, leverage <7%, losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 11 | leverage <5%, charge-offs p90 |  |
| 2011-09 | 13 | capital falling, noncurrent p90 |  |
| 2011-12 | 12 |  | capital falling |
| 2012-03 | 12 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2012-06 | 12 | losing money | noncurrent p90 |
| 2012-09 | 13 | noncurrent p90 |  |
| 2012-12 | 11 |  | brokered >10%, wholesale funding >15% |
| 2013-03 | 7 | wholesale funding >15% | expense ratio p90, NIM <2.5%, deposits shrinking, assets shrinking, losing money |
| 2013-06 | 7 |  |  |
| 2013-09 | 6 |  | wholesale funding >15% |
| 2013-12 | 6 |  |  |
| 2014-03 | 8 | deposits shrinking, uninsured deposits leaving |  |
| 2014-06 | 7 |  | uninsured deposits leaving |
| 2014-09 | 7 |  |  |
| 2014-12 | 6 | assets shrinking | construction >100% equity, noncurrent p90 |
| 2015-03 | 3 | charge-offs p90 | leverage <5%, deposits shrinking, assets shrinking |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 | construction >100% equity | reserve under noncurrent |
| 2015-12 | 2 | expense ratio p90 | charge-offs p90, construction >100% equity |
| 2016-03 | 3 | losing money |  |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 6 | leverage <5% |  |
| 2016-12 | 7 | loans exceed deposits |  |
| 2017-03 | 3 |  | expense ratio p90, losing money, capital falling, loans exceed deposits |
| 2017-06 | 1 |  | leverage <5% |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | loans exceed deposits | leverage <7% |
| 2018-03 | 2 | deposits shrinking |  |
| 2018-06 | 2 | wholesale funding >15% | deposits shrinking |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | wholesale funding >15% |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-01 [NC’s Fidelity Bank to get Atlanta foothold with $142.8M Affinity deal - Banking Dive](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPdlJoSFRJSXpRVk9VTUM2QU5pa2VLdFdvaWY1S25mc0lHQUpNZHA5M2xMODh3VVg4NjZ2WnFLMUc4bHg1Z2xONnZIVVhTSlpIcWJJalAyUHQ1Q2xTbFpPdjZFb2ZkVTB2N2tfNGtyNzhZeE5QblYtckpXenZhZ256Qi0zbWpFbnVEcmVrNTRxQmZuNHJYTmJCcXFLQ3BSNFEtTDRGMkllSTRyejVid2pxT25kcTJkLWo2cDVfSXdjZ0R4b1daLTR1M2ltQ09IX2Roc1RBZw?oc=5) · Banking Dive
- 2026-07-31 [Fidelity Bank Completes the Acquisition of Affinity Bancshares, Inc. and Affinity Bank - Business Wire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNQnE2WjhvQ0JuNUxFMGF0OVdKV2Nrb3RrbEE2N3lDUXZ6bk4wZ082b0hLZEZieXloQnhrUDF4RFc5emdTQ29kMC1XZUtBa081TkNvS3N6bm1rbkxXVk84cHpIZ2FXU3FRZWVZUm1xM0tDSFY1UHRjZWNiVVlqcjhSbFNKOFQ0RWgzZmdONUZ1OS1xZkhLLWVqYkN4Ny1vaDlhUU1rVTFkYS11MHVId3V5ak1BM3dzY1NqakJsdWkzaGpxbHRMNnczUTJLVkQ3MU5fMlVvZVNLRnJCZw?oc=5) · Business Wire
- 2026-08-04 [Fidelity Bank Completes Affinity Bancshares Acquisition And Reaches $5.5 Billion In Assets - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0
- 2026-04-01 [Fidelity BancShares to acquire Affinity for $142.8m - Retail Banker International](https://news.google.com/rss/articles/CBMijAFBVV95cUxPemhPWVpKbjRKUzlybjA5UG9PTXBtekJ3R0xVeDY1SVlTMnhyUHNpQ3ZmeWV4RF9ldy1VOWpPM0pFZ082QlBmOVlDeDVNb2NzYWlWZXlVUHVRdEx2eXNJb1B4SWVfOXJLWE1GVGp4RHdUZ05zLWRtUlBVQldwYXp5Z3BjN1JYVGpLVDdVQw?oc=5) · Retail Banker International
- 2026-03-31 [North Carolina bank pushes into Atlanta with $143M acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPVGV6WlVUSGlGU2xBdDFRcHd5dTh4TnBYVUtKck1CRVVWcDRLNk5TUS12ZE01NTRlOEVQUkVxTE5WcUVTQWNqbDFFR0tzY1hSb1A2RTRTVENOeldMTWJ0Y0hqY3pYWlFaVEFaQUx2SW5IaXg2LVZPdS1laDdsbmxMcE5xaHZ6cVJrRTRhbzBMX0ZmYUNxQWZKSmc2RTNwcW54UXc?oc=5) · The Business Journals
- 2026-03-31 [Deal will bring N.C.'s Fidelity Bank into Atlanta area - American Banker](https://news.google.com/rss/articles/CBMikwFBVV95cUxQYWQyOTlKYkZOb0VlN1ZjazFlbXZDbTdNZDRIemtBdHZxV0VOeFhFTkU3ZXBzT1BOb0Z0ZnY3Y0xGdHgzQnZMR1FWbWRkbVJjSTktVXJ0TnJPSWtINEI2S3AxLXBZd25FbDB1OWJSb2pwdERoazEweV81Q3RJS29rNXUyY2Z0QTVIRk16ZjN0MGJNTjQ?oc=5) · American Banker
- 2026-03-30 [Fidelity BancShares (N.C.), Inc. and Fidelity Bank Announce Execution of Definitive Merger Agreement to Acquire Affinity Bancshares, Inc. and Affinity Bank - Business Wire](https://news.google.com/rss/articles/CBMisgJBVV95cUxOZHlWbnllUHJsMUFFc3pWQV8tcnRGSTltRHF3NUlkOW9kTXNTU0ZmaXMwUFpZbWNZS3BVZW0wQU1yYm10a21vaUgzZVZpMWdmOU1mVkVmcHA1NmFvdUYxR3pJMldMckh5T1QtNWFwb0N5bzZNSDFOUHB1Z0hEb29fWTlwZ01kVlN0clM4OVprSFN4V0sxOTdUY25oOVpycENCZDZoRzVVSWJwem4zcE8xU0tpbFpxeDAzMXYzdTh2TXZmOWVfWi1QQ1VNMUpJUVctQnJMZVBVMVE0SmtfZWdrZWZqU2M0ZjZaZncxbEtObmt4enp0WVJPbnNvai13c1NxSnAtejV3V0gyZXJvYmZ6eWlDTEt1M0EtbVlZTGRDemtRaDNxSnJ1RmItcy1VRC1obnc?oc=5) · Business Wire
- 2026-03-31 [Fidelity BancShares: $142.8 Million Acquisition Of Affinity Bancshares To Expand Into Georgia - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57264 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "57264", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide