← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Georgia, the state note

Affinity Bank National Association

Georgia · $915M in assets · beside the 11 other Georgia banks between $300M and $1B

The filing

102.1%
Loans / deposits
12th of 12
1.08%
ROA
10th of 12
+2.3%
Loans, year over year
10th of 12, largest first

Affinity Bank National Association is the largest of the 12 Georgia banks nearest its size between $300M and $1B, with $915M in assets at 30 June 2026. Loans are 102.1% of deposits, the highest in the cohort against a median of 82.7%, and equity is 12.9% of assets, 5th of 12. Loans grew +2.3% in the year, 10th of 12, and deposits fell 3.3%; the cohort's median loan growth is +6.9%.

Noncurrent loans are 0.47% of the book, 6th of 12 against a median of 0.48%; 0.21% is 30 to 89 days past due, and the allowance covers them 2.5 times. Commercial real estate is 33.2% of loans, 6th of 12 against a median of 34.7%, and 220% of capital, below the 300% screen, with construction at 68% against the 100% screen.

Return on assets is 1.08%, 10th of 12 against a median of 1.56%, on an efficiency ratio of 61.6%, 9th of 12. Five years ago it was 1.16%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsGA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 82.7% FC First Century Bank N.A. 20.3% CT Citizens Trust Bank 57.5% PS Peach State Bank & Trust 74.1% FM Farmers & Merchants Bank 79.1% FS FNB South 81.5% FN First National Community Bank 82.7% OS Oconee State Bank 82.7% PB Promiseone Bank 84.5% FS First State Bank of Blakely 85.3% FA First American Bank & Trust Co. 94.2% BB Barwick Banking Co. 99.8% AB Affinity Bank National Association 102.1%
Loans, year over yearGA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.9% FC First Century Bank N.A. +49.7% BB Barwick Banking Co. +31.6% OS Oconee State Bank +16.2% FS FNB South +12.1% FA First American Bank & Trust Co. +11.5% FM Farmers & Merchants Bank +7.5% PS Peach State Bank & Trust +6.4% PB Promiseone Bank +2.5% FN First National Community Bank +2.3% AB Affinity Bank National Association +2.3% FS First State Bank of Blakely -1.0% CT Citizens Trust Bank -2.0%

SBA 7(a), FY2008 to FY2026

Affinity Bank National Association is the 78th largest 7(a) lender into Georgia of 409, with $48M across 52 loans, 0.2% of everything approved in the state (Metro City Bank leads with $1.91B). 20 of its 21 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fulton, GA$13M55th of 2110.4%quiet FY2022
Gwinnett, GA$9M52nd of 1690.4%quiet FY2019
Bibb, GA$4M18th of 841.8%quiet FY2018
Knox, TN$4M37th of 1240.8%thin
Cobb, GA$3M88th of 1820.2%quiet FY2019
Newton, GA$3M9th of 583.1%quiet FY2018
Lowndes, GA$3M20th of 612.1%quiet FY2018
Muscogee, GA$3M26th of 721.3%quiet FY2018
Lexington, SC$2M33rd of 940.7%quiet FY2019
Guilford, NC$2M56th of 1250.4%quiet FY2018
Dekalb, GA$2M86th of 1510.1%quiet FY2021
Walton, GA$2M24th of 601.4%quiet FY2022
Fayette, GA$913K54th of 900.3%quiet FY2017
8 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services13$22M38.6%0.03%366th of 2,596
Health care & social assistance28$21M36.0%0.04%252nd of 2,172
Retail trade3$9M14.9%0.01%532nd of 2,589
Finance & insurance1$2M3.2%0.03%302nd of 1,111
Professional & technical services3$2M3.2%0.01%764th of 1,955
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and Affinity Bank National Association
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans AB Affinity Bank, National Associati… 0.2% $48M · 52 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Affinity Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen220%5th of 12237%
Construction against capital, the 100% screen68%7th of 1255%
Construction and land development, share of loans10.2%6th of 1210.6%
Non-owner-occupied nonfarm nonresidential, share of loans22.4%9th of 1217.8%
Total CRE, the guidance definition, share of loans33.2%6th of 1234.7%
CRE growth over 36 months, the third prong+34.5%4th of 12+41.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Affinity Bank National Association$915M1.1%61.6%0.47%0.03%1.2%102.1%12.9%
First American Bank & Trust Co.$902M2.0%49.6%0.00%0.00%1.1%94.2%13.0%
Farmers & Merchants Bank$862M1.6%48.1%1.86%0.22%1.2%79.1%8.6%
First Century Bank N.A.$832M1.8%62.3%0.00%0.00%0.4%20.3%16.2%
Barwick Banking Co.$830M0.8%62.8%0.49%0.10%1.0%99.8%8.5%
Promiseone Bank$812M1.5%58.1%0.81%0.10%1.0%84.5%8.6%
Citizens Trust Bank$790M1.6%54.1%1.63%0.04%1.3%57.5%12.5%
Peach State Bank & Trust$786M1.4%54.8%0.00%-0.02%1.1%74.1%9.5%
First National Community Bank$755M1.9%48.8%0.43%-0.01%1.3%82.7%12.9%
Oconee State Bank$744M0.8%73.3%2.83%0.02%1.3%82.7%9.3%
FNB South$735M2.6%46.1%0.00%-1.40%3.2%81.5%15.9%
First State Bank of Blakely$668M1.8%51.4%3.36%0.00%1.5%85.3%19.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Affinity Bank National AssociationCohort median
20212026Change20212026Change
Loans$590M$748M+27%$320M$542M+69%
Deposits$626M$732M+17%$463M$698M+51%
NPA / loans0.78%0.47%-0.31 pts0.96%0.48%-0.48 pts
Efficiency61.0%61.6%+0.6 pts64.3%54.4%-9.9 pts
ROA1.16%1.08%-0.08 pts1.01%1.56%+0.55 pts

This read was prepared for Affinity Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Affinity Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort GA banks $300M to $1B

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue