Affinity Bancshares is the holding company for Affinity Bank, a community bank headquartered in Covington, Georgia, with two branches and a loan production office. Like any community bank, Affinity Bank takes in deposits and uses those funds to make loans, earning a net interest margin on the spread. The bank has two specialties beyond its core community lending: dental practice lending and indirect auto lending. Since 2002, Affinity Bank has built a niche focused on dentists and dental practices across Georgia and adjacent Southeastern states, with dental loans totaling roughly $194M, or about 26% of the loan portfolio. These loans are underwritten on practice goodwill and cash flow rather than hard collateral, requiring sector-specific expertise that generalist banks typically lack. Through its Affinity Bank Dealer Select division, the bank also purchases retail installment contracts from auto dealerships across eight Southeastern and mid-Atlantic states, a portfolio that has grown to roughly $135M, or about 18% of gross loans. On the deposit side, beyond its branch network, Affinity Bank operates FitnessBank, a nationwide virtual bank that offers above-market deposit rates to customers who meet certain fitness activity goals. At year-end 2025, the bank had total assets of $882M, a loan portfolio of $743M, and deposits of $695M.