AFBI / Affinity Bancshares, Inc. - تصريحات هيئة الأوراق المالية والبورصات، التقرير السنوي، بيان الوكيل

تقارب Bancshares، وشركة
US ˙ NasdaqCM ˙ US00832E1038

الإحصائيات الأساسية
LEI 2549002AEOG52GLE5B68
CIK 1823406
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Affinity Bancshares, Inc.
SEC Filings (Chronological Order)
توفر هذه الصفحة قائمة كاملة ومرتبة ترتيبًا زمنيًا لتصريحات هيئة الأوراق المالية والبورصات، باستثناء تصريحات الملكية التي نقدمها في مكان آخر.
August 12, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (Exact

July 25, 2025 8-K

FORM 8-K Item 2.02 Results of Operations and Financial Condition. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 25, 2025 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission

July 25, 2025 EX-99.2

AFBI Selected Data COMPANY HIGHLIGHTS $933.8 million in assets $731.1 million in loans $749.3 million in deposits 7.7% growth in assets 11.3% growth in deposits $124.1 million in equity As of 2025 Q2 2025

AFBI Selected Data COMPANY HIGHLIGHTS $933.8 million in assets $731.1 million in loans $749.3 million in deposits 7.7% growth in assets 11.3% growth in deposits $124.1 million in equity As of 2025 Q2 2025 AFBI Selected Data COMPANY HIGHLIGHTS $2.3 million in adjusted Q2 2025 earnings (1) $2.2 million in Q2 2025 earnings $0.33 diluted EPS (1) See Non-GAAP Reconciliation $0.36 adjusted diluted EPS (

July 25, 2025 EX-99.1

Affinity Bancshares, Inc. Announces Second Quarter 2025 Financial Results

Affinity Bancshares, Inc. Announces Second Quarter 2025 Financial Results Affinity Bancshares, Inc. (NASDAQ:“AFBI”) (the “Company”), the holding company for Affinity Bank (the “Bank”), today announced net income of $2.2 million for the three months ended June 30, 2025, as compared to $1.0 million for the three months ended June 30, 2024. At or for the three months ended, Performance Ratios: June 3

May 21, 2025 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 20, 2025 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission File

May 9, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (Exact

May 1, 2025 EX-99.1

Affinity Bancshares, Inc. Announces First Quarter 2025 Financial Results

Affinity Bancshares, Inc. Announces First Quarter 2025 Financial Results Affinity Bancshares, Inc. (NASDAQ:“AFBI”) (the “Company”), the holding company for Affinity Bank (the“Bank”), today announced net income of $1.8 million for the three months ended March 31, 2025, as compared to $1.3 million for the three months ended March 31, 2024. At or for the three months ended, Performance Ratios: March

May 1, 2025 EX-99.2

AFBI Selected Data COMPANY HIGHLIGHTS $912.5 million in assets $721.0 million in loans $730.3 million in deposits 5.27% growth in assets 8.5% growth in deposits $122.3 million in equity As of 2025 Q1 2025

AFBI Selected Data COMPANY HIGHLIGHTS $912.5 million in assets $721.0 million in loans $730.3 million in deposits 5.27% growth in assets 8.5% growth in deposits $122.3 million in equity As of 2025 Q1 2025 AFBI Selected Data COMPANY HIGHLIGHTS $2.0 million in adjusted Q1 2025 earnings (1) $1.8 million in Q1 2025 earnings $0.29 diluted EPS (1) See Non-GAAP Reconciliation $0.30 adjusted diluted EPS (

May 1, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 01, 2025 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission

April 17, 2025 DEF 14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 27, 2025 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A AMENDMENT NO. 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A AMENDMENT NO. 1 ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39914 Affinit

March 27, 2025 EX-19

Affinity Bancshares, Inc. Policy Regarding Insider Trading

AFFINITY BANCSHARES, INC. POLICY REGARDING INSIDER TRADING Affinity Bancshares, Inc. (the “Company”) is a public company, the common stock of which is quoted on the Nasdaq Capital Market and registered under the Securities Exchange Act of 1934, as amended. As a public company, the Company files periodic reports and proxy statements with the Securities and Exchange Commission (the “SEC”). Investmen

March 27, 2025 EX-97

Policy Relating to Recovery of Erroneously Awarded Compensation

AFFINITY BANCSHARES, INC. CLAWBACK POLICY The Board of Directors (the “Board”) of Affinity Bancshares, Inc. (the “Company”) believes that it is in the best interests of the Company and its shareholders to adopt this Clawback Policy (this “Policy”), which provides for the recovery of Erroneously Awarded Compensation in the event the Company is required to prepare an Accounting Restatement. The Comp

March 21, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39914 Affinity Bancshares, Inc.

March 21, 2025 EX-21

Subsidiaries of Registrant

Exhibit 21 SUBSIDIARIES OF THE REGISTRANT Name State of Incorporation Ownership Percentage Affinity Bank Federal 100%

March 7, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 7, 2025 AFFINITY BANCSHARES

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 7, 2025 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission Fil

March 7, 2025 EX-99.1

AFFINITY BANCSHARES, INC. ADOPTS STOCK REPURCHASE PROGRAM

EXHIBIT 99.1 FOR IMMEDIATE RELEASE Contact: Edward J. Cooney Chief Executive Officer Telephone: (678) 742-9990 AFFINITY BANCSHARES, INC. ADOPTS STOCK REPURCHASE PROGRAM Covington, Georgia, March 7, 2025 — Affinity Bancshares, Inc. (the “Company”) (Nasdaq: AFBI), the holding company for Affinity Bank, today announced that its Board of Directors has adopted a stock repurchase program. Under the repu

February 28, 2025 EX-99.1

AFFINITY BANCSHARES, INC. ANNOUNCES PAYMENT OF SPECIAL CASH DIVIDEND OF $1.50 PER SHARE

EXHIBIT 99.1 FOR IMMEDIATE RELEASE Contact: Edward J. Cooney Chief Executive Officer Telephone: (678) 742-9990 AFFINITY BANCSHARES, INC. ANNOUNCES PAYMENT OF SPECIAL CASH DIVIDEND OF $1.50 PER SHARE Covington, Georgia, February 27, 2025 — Affinity Bancshares, Inc. (the “Company”) (Nasdaq: AFBI), the holding company for Affinity Bank, today announced that its Board of Directors has declared the pay

February 28, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 27, 2025 AFFINITY BANCSH

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 27, 2025 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission

January 31, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 31, 2025 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commiss

January 31, 2025 EX-99.2

AFBI Selected Data COMPANY HIGHLIGHTS $866.8 million in assets $714.1 million in loans $673.5 million in deposits 4.20% growth in assets 8.2% growth in loans $129.1 million in equity As of 2024 Q4 2024

AFBI Selected Data COMPANY HIGHLIGHTS $866.8 million in assets $714.1 million in loans $673.5 million in deposits 4.20% growth in assets 8.2% growth in loans $129.1 million in equity As of 2024 Q4 2024 AFBI Selected Data COMPANY HIGHLIGHTS $1.7 million in adjusted Q4 2024 earnings (1) $6.8 million in adjusted 2024 earnings (1) $1.3 million in Q4 2024 earnings $0.20 diluted EPS $0.26 adjusted dilut

January 31, 2025 EX-99.1

Affinity Bancshares, Inc. Announces Fourth Quarter and the Year 2024 Financial Results

Affinity Bancshares, Inc. Announces Fourth Quarter and the Year 2024 Financial Results Affinity Bancshares, Inc. (NASDAQ:“AFBI”) (the “Company”), the holding company for Affinity Bank (the“Bank”), today announced net income of $5.4 million for the year ended December 31, 2024 as compared to $6.4 million for the year ended December 31, 2023 $1.3 million for the three months ended December 31, 2024,

December 30, 2024 EX-99.1

Center Parc Credit Union and Affinity Bancshares, Inc. Announce Mutual Termination of Purchase Agreement

EXHIBIT 99.1 FOR IMMEDIATE RELEASE APCU/Center Parc Credit Union and Affinity Bancshares, Inc. Announce Mutual Termination of Purchase Agreement Atlanta (December 30, 2024) – Atlanta Postal Credit Union (“APCU”), along with its community-based subsidiary, Center Parc Credit Union, and Affinity Bancshares, Inc (“Affinity”) (NASDAQ: AFBI), the holding company for Affinity Bank, National Association

December 30, 2024 8-K

Regulation FD Disclosure, Termination of a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 30, 2024 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission

December 30, 2024 EX-10.1

Mutual Termination of Purchase and Assumption Agreement and Mutual Release, dated as of December 30, 2024, by and among Atlanta Postal Credit Union, Affinity Bancshares, Inc. and Affinity Bank, National Association

EXHIBIT 10.1 MUTUAL TERMINATION OF PURCHASE AND ASSUMPTION AGREEMENT AND MUTUAL RELEASE This Mutual Termination of Purchase and Assumption Agreement and Mutual Release (this “Agreement”), dated as of December 30, 2024, is made by and among Atlanta Postal Credit Union, a Georgia state-chartered credit union with its main office located in Atlanta, Georgia (“Buyer”), Affinity Bancshares, Inc., a Mar

November 6, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (E

November 4, 2024 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 4, 2024 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission

October 29, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 29, 2024 AFFINITY BANCSHA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 29, 2024 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission

October 29, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 29, 2024 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission

October 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

f UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 25, 2024 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commi

October 25, 2024 EX-99.2

AFBI Selected Data COMPANY HIGHLIGHTS $878.6 million in assets $697.6 million in loans $683.8 million in deposits 4.20% growth in assets 5.7% growth in loans 1.4% growth in deposits As of 2024 Q3 YTD 2024

AFBI Selected Data COMPANY HIGHLIGHTS $878.6 million in assets $697.6 million in loans $683.8 million in deposits 4.20% growth in assets 5.7% growth in loans 1.4% growth in deposits As of 2024 Q3 YTD 2024 AFBI Selected Data COMPANY HIGHLIGHTS $32.7 million in NOO office loans 46.6% avg LTV on NOO office loans 36.5% DDA/Total Deposits $1.7 million in Q3 2024 earnings 15.2% uninsured deposits approx

October 25, 2024 EX-99.1

Affinity Bancshares, Inc. Announces Third Quarter 2024 Financial Results

Affinity Bancshares, Inc. Announces Third Quarter 2024 Financial Results Affinity Bancshares, Inc. (NASDAQ:“AFBI”) (the “Company”), the holding company for Affinity Bank (the “Bank”), today announced net income of $1.7 million for the three months ended September 30, 2024, as compared to $1.6 million for the three months ended September 30, 2023. At or for the three months ended, Performance Ratio

October 1, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 26, 2024 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commissio

September 18, 2024 DEFM14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 1

August 15, 2024 EX-FILING FEES

Calculation of Filing Fee Tables Form PREM14A (Form Type) Affinity Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1: Transaction Valuation  Aggregate cash and other  property to be received by the Registrant Fee Rate  A

EX-FILING FEES Exhibit 107 Calculation of Filing Fee Tables Form PREM14A (Form Type) Affinity Bancshares, Inc.

August 15, 2024 PREM14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 1

August 9, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (Exact

July 26, 2024 EX-99.2

AFBI Selected Data COMPANY HIGHLIGHTS $872.6 million in assets $692.6 million in loans $689.7 million in deposits 3.5% growth in assets 5.0% growth in loans 2.3% growth in deposits As of 2024 Q2 YTD 2024

AFBI Selected Data COMPANY HIGHLIGHTS $872.6 million in assets $692.6 million in loans $689.7 million in deposits 3.5% growth in assets 5.0% growth in loans 2.3% growth in deposits As of 2024 Q2 YTD 2024 AFBI Selected Data COMPANY HIGHLIGHTS $29.4 million in NOO office loans 46% avg LTV on NOO office loans 36% DDA/Total Deposits $1.0 million in Q2 2024 earnings 15.4% uninsured deposits approximate

July 26, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

f UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2024 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commissi

July 26, 2024 EX-99.1

Affinity Bancshares, Inc. Announces Second Quarter 2024 Financial Results

Affinity Bancshares, Inc. Announces Second Quarter 2024 Financial Results Affinity Bancshares, Inc. (NASDAQ:“AFBI”) (the “Company”), the holding company for Affinity Bank (the “Bank”), today announced net income of $1.0 million for the three months ended June 30, 2024, as compared to $1.6 million for the three months ended June 30, 2023. At or for the three months ended, Performance Ratios: June 3

June 4, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 30, 2024 AFFINITY BANCSHARES,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 30, 2024 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission File

June 4, 2024 EX-2.1

Purchase and Assumption Agreement by and among Atlanta Postal Credit Union, Affinity Bancshares, Inc. and Affinity Bank, National Association, dated as of May 30, 2024*

Exhibit 2.1 Execution Version PURCHASE AND ASSUMPTION AGREEMENT BY AND AMONG ATLANTA POSTAL CREDIT UNION, AFFINITY BANCSHARES, INC., AND AFFINITY BANK, NATIONAL ASSOCIATION MAY 30, 2024 TABLE OF CONTENTS ARTICLE I DEFINITIONS 1 Section 1.01 Definitions 1 Section 1.02 Knowledge 9 Section 1.03 Interpretation 9 ARTICLE II TERMS OF PURCHASE AND SALE 9 Section 2.01 Assets 9 Section 2.02 Liabilities 11

June 4, 2024 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 30, 2024 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission File

May 30, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 30, 2024 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission File

May 30, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 30, 2024 AFFINITY BANCSHARES,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 30, 2024 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission File

May 30, 2024 EX-99.1

Press Release Dated May 30, 2024

EXHIBIT 99.1 FOR IMMEDIATE RELEASE APCU/Center Parc Credit Union Announces Definitive Agreement to Acquire Affinity Bank Atlanta (May 30, 2024) – Atlanta Postal Credit Union (APCU), Georgia’s oldest credit union and the largest postal credit union in the United States, along with its community-based subsidiary, Center Parc Credit Union, and Affinity Bancshares, Inc (“Affinity”) (NASDAQ: AFBI) anno

May 30, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 30, 2024 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission File

May 30, 2024 EX-99.1

Center Parc Credit Union Announces Definitive Agreement to Acquire Affinity Bank

EXHIBIT 99.1 FOR IMMEDIATE RELEASE APCU/Center Parc Credit Union Announces Definitive Agreement to Acquire Affinity Bank Atlanta (May 30, 2024) – Atlanta Postal Credit Union (APCU), Georgia’s oldest credit union and the largest postal credit union in the United States, along with its community-based subsidiary, Center Parc Credit Union, and Affinity Bancshares, Inc (“Affinity”) (NASDAQ: AFBI) anno

May 30, 2024 EX-99.1

APCU/Center Parc Credit Union Announces Definitive Agreement to Acquire Affinity Bank

EXHIBIT 99.1 FOR IMMEDIATE RELEASE APCU/Center Parc Credit Union Announces Definitive Agreement to Acquire Affinity Bank Atlanta (May 30, 2024) – Atlanta Postal Credit Union (APCU), Georgia’s oldest credit union and the largest postal credit union in the United States, along with its community-based subsidiary, Center Parc Credit Union, and Affinity Bancshares, Inc (“Affinity”) (NASDAQ: AFBI) anno

May 9, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (Exact

April 26, 2024 EX-99.1

Affinity Bancshares, Inc. Announces First Quarter 2024 Financial Results

Affinity Bancshares, Inc. Announces First Quarter 2024 Financial Results Affinity Bancshares, Inc. (NASDAQ:“AFBI”) (the “Company”), the holding company for Affinity Bank (the “Bank”), today announced net income of $1.3 million for the three months ended March 31, 2024, as compared to $1.7 million for the three months ended March 31, 2023. At or for the three months ended, Performance Ratios: March

April 26, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 26, 2024 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commissio

April 26, 2024 EX-99.2

AFBI Selected Data COMPANY HIGHLIGHTS $869.5 million in assets $674.5 million in loans $687.4 million in deposits 3.1% growth in assets 2.2% growth in loans 1.9% growth in deposits As of 2024 Q1 YTD 2024

AFBI Selected Data COMPANY HIGHLIGHTS $869.5 million in assets $674.5 million in loans $687.4 million in deposits 3.1% growth in assets 2.2% growth in loans 1.9% growth in deposits As of 2024 Q1 YTD 2024 AFBI Selected Data COMPANY HIGHLIGHTS $26.4 million in NOO office loans 41.0% avg LTV on NOO office loans 37% DDA/Total Deposits $1.3 million in Q1 2024 earnings 15.6% uninsured deposits approxima

April 12, 2024 DEF 14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 21, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39914 Affinity Bancshares, Inc.

March 21, 2024 EX-21

Subsidiaries of Registrant

Exhibit 21 SUBSIDIARIES OF THE REGISTRANT Name State of Incorporation Ownership Percentage Affinity Bank Federal 100%

February 14, 2024 SC 13G/A

AFBI / Affinity Bancshares, Inc. / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* Affinity Bancshares Inc (Name of Issuer) Common Stock (Title of Class of Securities) 00832E103 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate bo

February 14, 2024 SC 13G/A

AFBI / Affinity Bancshares, Inc. / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* Affinity Bancshares Inc (Name of Issuer) Common Stock (Title of Class of Securities) 00832E103 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate bo

February 1, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 01, 2024 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commis

February 1, 2024 EX-99.2

AFBI Selected Data COMPANY HIGHLIGHTS $843.3 million in assets $660.0 million in loans $674.4 million in deposits 6.6% growth in assets 2.1% growth in loans 2.6% growth in deposits As of 2023Q4 YE 2023

AFBI Selected Data COMPANY HIGHLIGHTS $843.3 million in assets $660.0 million in loans $674.4 million in deposits 6.6% growth in assets 2.1% growth in loans 2.6% growth in deposits As of 2023Q4 YE 2023 AFBI Selected Data COMPANY HIGHLIGHTS $26.7 million in NOO office loans 41.0% avg LTV on NOO office loans 36% DDA/Total Deposits $6.4 million in 2023 earnings 14.0% uninsured deposits approximately

February 1, 2024 EX-99.1

Affinity Bancshares, Inc. Announces Fourth Quarter and Full Year 2023 Financial Results

Affinity Bancshares, Inc. Announces Fourth Quarter and Full Year 2023 Financial Results Affinity Bancshares, Inc. (NASDAQ:“AFBI”) (the “Company”), February 1, 2024, the holding company for Affinity Bank (the “Bank”), today announced net income of $1.5 million for the three months ended December 31, 2023, as compared to $1.7 million for the three months ended December 31, 2022. At or for the three

January 25, 2024 SC 13G/A

AFBI / Affinity Bancshares, Inc. / Affinity Bancshares, Inc. - AFFINITY BANCSHARES, INC. SCHEDULE 13G (AMENDMENT 2) DECEMBER 31, 2023 Passive Investment

SC 13G/A 1 sc13g-a2023.htm AFFINITY BANCSHARES, INC. SCHEDULE 13G (AMENDMENT 2) DECEMBER 31, 2023 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* Affinity Bancshares, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 00832E 103 (CUSIP Number) December 31, 202

November 9, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (E

October 26, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2023 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commiss

October 26, 2023 EX-99.1

Affinity Bancshares, Inc. Announces Third Quarter 2023 Financial Results

Affinity Bancshares, Inc. Announces Third Quarter 2023 Financial Results Affinity Bancshares, Inc. (NASDAQ:“AFBI”) (the “Company”), the holding company for Affinity Bank (the “Bank”), today announced net income of $1.6 million for the three months ended September 30, 2023, as compared to $1.9 million for the three months ended September 30, 2022. At or for the three months ended, Performance Ratio

October 26, 2023 EX-99.2

AFBI Selected Data Company Highlights $855 million in assets $661 million in loans $709 million in deposits 10.8%* growth in assets 3.1%* growth in loans 10.6%* growth in deposits As of 2023Q3 YTD *Growth is annualized.

AFBI Selected Data Company Highlights $855 million in assets $661 million in loans $709 million in deposits 10.

October 24, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 23, 2023 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commission

August 11, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (Exact

July 27, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2023 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commission

July 27, 2023 EX-99.1

Affinity Bancshares, Inc. Announces Second Quarter 2023 Financial Results

Affinity Bancshares, Inc. Announces Second Quarter 2023 Financial Results Affinity Bancshares, Inc. (NASDAQ:“AFBI”) (the “Company”), the holding company for Affinity Bank (the “Bank”), today announced net income of $1.6 million for the three months ended June 30, 2023, as compared to $1.8 million for the three months ended June 30, 2022. At or for the three months ended, Performance Ratios: June 3

July 27, 2023 EX-99.2

AFBI Selected Data Company Highlights $877 million in assets $663 million in loans $731 million in deposits 10.8% growth in assets 2.6% growth in loans 11.2% growth in deposits As of 2023Q2 YTD

AFBI Selected Data Company Highlights $877 million in assets $663 million in loans $731 million in deposits 10.

June 26, 2023 8-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A AMENDMENT NO. 1 CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 25, 2023 AF

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A AMENDMENT NO. 1 CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 25, 2023 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation

June 1, 2023 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 25, 2023 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commission File

May 12, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (Exact

April 27, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commissio

April 27, 2023 EX-99

Affinity Bancshares, Inc. Announces First Quarter 2023 Financial Results

Affinity Bancshares, Inc. Announces First Quarter 2023 Financial Results Affinity Bancshares, Inc. (NASDAQ:“AFBI”) (the “Company”), the holding company for Affinity Bank (the “Bank”), today announced net income of $1.7 million for the three months ended March 31, 2023, as compared to $1.8 million for the three months ended March 31, 2022. At or for the three months ended, Performance Ratios: March

April 27, 2023 EX-99

AFBI Share Information Book and Tangible Value Per Share * See Non-GAAP Reconciliation

AFBI Share Information Book and Tangible Value Per Share * See Non-GAAP Reconciliation AFBI Selected Data ($ in thousands) Net Earnings 12% increase in Adjusted Net Earnings 18% increase in Adjusted diluted earnings per share * See Non-GAAP reconciliation on Slide 7 AFBI Selected Data Loan Composition As of March 31, 2023 AFBI Selected Data Deposit Composition As of March 31, 2023 AFBI Selected Deposit Data Deposits (in thousands) * All deposits are held at Affinity Bank and include the Company’s own funds.

April 14, 2023 DEF 14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 23, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39914 Affinity Bancshares, Inc.

March 23, 2023 EX-21

Subsidiaries of Registrant

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT Name State of Incorporation Ownership Percentage Affinity Bank Federal 100%

February 14, 2023 SC 13G

AFBI / Affinity Bancshares, Inc. (MD) / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Affinity Bancshares Inc (Name of Issuer) Common Stock (Title of Class of Securities) 00832E103 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this

February 13, 2023 SC 13G

AFBI / Affinity Bancshares, Inc. (MD) / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Affinity Bancshares Inc (Name of Issuer) Common Stock (Title of Class of Securities) 00832E103 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this

February 10, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 10, 2023 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commis

February 10, 2023 EX-99.2

AFBI Share Information Book and Tangible Value Per Share * See Non-GAAP Reconciliation

AFBI Share Information Book and Tangible Value Per Share * See Non-GAAP Reconciliation AFBI Selected Data Tangible Book Value Calculation Tangible Equity Shares Outstanding Tangible Book Value Ending Balance, December 31, 2021 $102,219 6,873 $14.

February 10, 2023 EX-99.1

Affinity Bancshares, Inc. Announces Fourth Quarter and Full Year 2022 Financial Results

Affinity Bancshares, Inc. Announces Fourth Quarter and Full Year 2022 Financial Results Affinity Bancshares, Inc. (NASDAQ:“AFBI”) (the “Company”), the holding company for Affinity Bank (the “Bank”), today announced net income of $1.7 million for the three months ended December 31, 2022, as compared to $1.3 million for the three months ended December 31, 2021. For the year ended December 31, 2022,

January 31, 2023 SC 13G/A

AFBI / Affinity Bancshares, Inc. (MD) / Affinity Bancshares, Inc. - AFFINITY BANCSHARES, INC. SCHEDULE 13G (AMENDMENT 1) DECEMBER 31, 2022 Passive Investment

SC 13G/A 1 sc13g-a2022.htm AFFINITY BANCSHARES, INC. SCHEDULE 13G (AMENDMENT 1) DECEMBER 31, 2022 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* Affinity Bancshares, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 00832E 103 (CUSIP Number) December 31, 202

November 10, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (E

October 31, 2022 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

d UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2022 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 82-1147778 (State or Other Jurisdiction of Incorporation) (Commi

October 31, 2022 EX-99.1

AFFINITY BANCSHARES, INC. ADOPTS SECOND STOCK REPURCHASE PROGRAM

FOR IMMEDIATE RELEASE Contact: Edward J. Cooney Chief Executive Officer Telephone: (678) 742-9990 AFFINITY BANCSHARES, INC. ADOPTS SECOND STOCK REPURCHASE PROGRAM Covington, Georgia, October 31, 2022 — Affinity Bancshares, Inc. (the “Company”), the holding company for Affinity Bank, today announced that its Board of Directors has adopted a second stock repurchase program. Under the repurchase prog

October 26, 2022 EX-99.2

AFBI Share Information Stock Price

AFBI Share Information Stock Price AFBI Share Information Stock Price to Tangible Book Value * Tangible book value per share equals book value per share minus intangible assets (goodwill and core deposit intangible).

October 26, 2022 EX-99.1

Affinity Bancshares, Inc. Announces Third Quarter 2022 Financial Results

Affinity Bancshares, Inc. Announces Third Quarter 2022 Financial Results Affinity Bancshares, Inc. (NASDAQ:?AFBI?) (the ?Company?), the holding company for Affinity Bank (the ?Bank?), today announced net income of $1.9 million for the three months ended September 30, 2022, as compared to $1.8 million for the three months ended September 30, 2021. For the nine months ended September 30, 2022, net i

October 26, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2022 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commiss

October 7, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 5, 2022 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commission F

September 2, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 1, 2022 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commission

August 11, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (Exact

August 3, 2022 EX-10.1

Employment Agreement, dated as of May 24, 2021, by and among Affinity Bancshares, Inc., Affinity Bank and Brandi Pajot (incorporated by reference to Exhibit 10.1 to the current report on 8-K (File No. 001-39914) filed with the Securities and Exchange Commission on August 3, 2022)

EXHIBIT 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this ?Agreement?) is made and entered into as of May 24, 2021 (the ?Effective Date?), by and among Affinity Bancshares, Inc., a federally-charted corporation organized under the laws of the United States of America (the ?Company?), Affinity Bank, a federally-chartered savings association organized under the laws of the United States of A

August 3, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 28, 2022 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commission Fil

August 3, 2022 EX-10.2

Amendment 1 to Employment Agreement, dated as of August 2, 2022, by and among Affinity Bancshares, Inc., Affinity Bank and Brandi Pajot (incorporated by reference to Exhibit 10.2 to the current report on 8-K (File No. 001-39914) filed with the Securities and Exchange Commission on August 3, 2022)

EXHIBIT 10.2 AMENDMENT 1 TO EMPLOYMENT AGREEMENT THIS AMENDMENT 1 TO EMPLOYMENT AGREEMENT (this ?Amendment 1?) is made and entered into as of August 2, 2022, by and between Affinity Bancshares, Inc., a Maryland Corporation (the ?Corporation?), Affinity Bank, a federally-chartered savings association organized under the laws of the United States of America (the ?Bank?) and Brandi Pajot (the ?Execut

July 28, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2022 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commission

July 28, 2022 EX-99.1

Affinity Bancshares, Inc. Announces Second Quarter 2022 Financial Results

Affinity Bancshares, Inc. Announces Second Quarter 2022 Financial Results Affinity Bancshares, Inc. (NASDAQ:?AFBI?) (the ?Company?), the holding company for Affinity Bank (the ?Bank?), today announced net income of $1.8 million for the three months ended June 30, 2022 as compared to $2.3 million for the three months ended June 30, 2021. For the six months ended June 30, 2022, net income was $3.6 m

July 5, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 29, 2022 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commission Fil

May 26, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 24, 2022 AFFINITY BANCHSARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commission File

May 25, 2022 S-8

As filed with the Securities and Exchange Commission on May 25, 2022 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 Affinity Bancshares, Inc. (Exact Name of Registran

Registration No. 333- As filed with the Securities and Exchange Commission on May 25, 2022 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Affinity Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 86-1339773 (State or Other Jurisdiction of (I.R.S. Employer Identification No.) In

May 25, 2022 EX-10.4

Form of Non-Qualified Stock Option Award Agreement

EXHIBIT 10.4 FORM OF NON-QUALIFIED STOCK OPTION AWARD AGREEMENT Granted by AFFINITY BANCSHARES, INC. under the AFFINITY BANCSHARES, INC. 2022 EQUITY INCENTIVE PLAN This Non-Qualified Stock Option Agreement (?Option? or ?Agreement?) is and will be subject in every respect to the provisions of the Affinity Bancshares, Inc. 2022 Equity Incentive Plan (the ?Plan?) of Affinity Bancshares, Inc. (the ?Co

May 25, 2022 EX-10.2

Form of Restricted Stock Award Agreement

EXHIBIT 10.2 FORM OF RESTRICTED STOCK AWARD AGREEMENT Granted by AFFINITY BANCSHARES, INC. under the AFFINITY BANCSHARES, INC. 2022 EQUITY INCENTIVE PLAN This restricted stock agreement (?Restricted Stock Award? or ?Agreement?) is and will be subject in every respect to the provisions of the 2022 Equity Incentive Plan (the ?Plan?) of Affinity Bancshares, Inc. (the ?Company?) which are incorporated

May 25, 2022 EX-10.3

Form of Incentive Stock Option Award Agreement

EXHIBIT 10.3 FORM OF INCENTIVE STOCK OPTION AWARD AGREEMENT Granted by AFFINITY BANCSHARES, INC. under the AFFINITY BANCSHARES, INC. 2022 EQUITY INCENTIVE PLAN This stock option agreement (?Option? or ?Agreement?) is and will be subject in every respect to the provisions of the Affinity Bancshares, Inc. 2022 Equity Incentive Plan (the ?Plan?) of Affinity Bancshares, Inc. (the ?Company?), which are

May 25, 2022 EX-FILING FEES

Filing Fee Table

EXHIBIT 107 Calculation of Filing Fee Tables Form S-8 (Form Type) Affinity Bancshares, Inc.

May 12, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (Exact

April 26, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2022 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commissio

April 26, 2022 EX-99.1

Affinity Bancshares, Inc. Announces First Quarter 2022 Financial Results

Affinity Bancshares, Inc. Announces First Quarter 2022 Financial Results Affinity Bancshares, Inc. (NASDAQ:?AFBI?) (the ?Company?), the holding company for Affinity Bank (the ?Bank?), today announced net income of $1.8 million for the three months ended March 31, 2022 as compared to $2.1 million for the three months ended March 31, 2021. For the three months ended, Performance Ratios: March 31, 20

April 18, 2022 DEF 14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 18, 2022 EX-21

Subsidiaries of Registrant

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT Name State of Incorporation Ownership Percentage Affinity Bank Federal 100%

March 18, 2022 EX-10.15

EX-10.15

March 18, 2022 EX-10.16

Employment Agreement with Elizabeth Glazka (incorporated by reference to Exhibit 10.16 to the annual report on 10-K (File No. 001-39914) filed with the Securities and Exchange Commission on March 18, 2022)

EXHIBIT 10.16 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this ?Agreement?) is made and entered into as of August 19, 2019 by and among Newton Federal Bank, a federally-chartered savings association organized under the laws of the United States of America (the ?Bank?), Community First Bancshares, Inc., a federally-charted corporation organized under the laws of the United States of America (th

March 18, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39914 Affinity Bancshares, Inc.

March 18, 2022 EX-10.15

Employment Agreement with Clark Nelson (incorporated by reference to Exhibit 10.15 to the annual report on 10-K (File No. 001-39914) filed with the Securities and Exchange Commission on March 18, 2022)

EXHIBIT 10.15 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this ?Agreement?) is made and entered into as of August 19, 2019 by and among Newton Federal Bank, a federally-chartered savings association organized under the laws of the United States of America (the ?Bank?), Community First Bancshares, Inc., a federally-charted corporation organized under the laws of the United States of America (th

February 25, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 22, 2022 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commis

February 25, 2022 EX-99.1

Affinity Bancshares, Inc. Announces 2021 Year End Financial Results

Exhibit 99.1 Affinity Bancshares, Inc. Announces 2021 Year End Financial Results Affinity Bancshares, Inc. (NASDAQ:?AFBI?) (the ?Company?), the holding company for Affinity Bank (the ?Bank?), today announced net income of $7.6 million for the year ended December 31, 2021 as compared to $3.1 million for the year ended December 31, 2020. For the three months ended, For the year ended, Performance Ra

February 11, 2022 SC 13G

AFBI / Affinity Bancshares, Inc. (MD) / Affinity Bancshares, Inc. - AFFINITY BANCSHARES, INC. SCHEDULE 13G DECEMBER 31, 2021 Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.)* Affinity Bancshares, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 00832E 103 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to designate the

February 2, 2022 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 27, 2022 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commission

February 2, 2022 EX-99.1

AFFINITY BANCSHARES, INC. ADOPTS STOCK REPURCHASE PROGRAM

EXHIBIT 99.1 FOR IMMEDIATE RELEASE Contact: Edward J. Cooney Chief Executive Officer Telephone: (678) 742-9990 AFFINITY BANCSHARES, INC. ADOPTS STOCK REPURCHASE PROGRAM Covington, Georgia, January 27, 2022 ? Affinity Bancshares, Inc. (the ?Company?), the holding company for Affinity Bank, today announced that its Board of Directors has adopted a stock repurchase program. Under the repurchase progr

November 12, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (E

October 29, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2021 Affinity Bancshares, Inc. (Exact name of Registrant as Specified in Its Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commiss

October 29, 2021 EX-99.1

Affinity Bancshares, Inc Announces Third Quarter 2021 Financial Results

Affinity Bancshares, Inc Announces Third Quarter 2021 Financial Results Affinity Bancshares, Inc.

August 30, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 26, 2021 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commission F

August 11, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (Exact

May 25, 2021 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 20, 2021 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commission File

May 12, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-39914 Affinity Bancshares, Inc. (Exact

April 19, 2021 DEF 14A

- DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defin

April 1, 2021 EX-10.14

Form of Addendum to Restricted Stock Award Agreement† (incorporated by reference to Exhibit 10.13 to the annual report on 10-K (File No. 001-39914) filed with the Securities and Exchange Commission on April 1, 2021)

Exhibit 10.14 COMMUNITY FIRST BANCSHARES, INC. 2018 EQUITY INCENTIVE PLAN Amendment Number One WHEREAS, the Community First Bancshares, Inc. previously adopted, and shareholders approved the Community First Bancshares, Inc. 2018 Equity Incentive Plan (the ?Plan?); WHEREAS, in connection with the mutual-to-stock conversion (the ?Conversion?) of Community First Bancshares, Inc., Newton Federal Bank

April 1, 2021 EX-21

Subsidiaries of Registrant

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT Name State of Incorporation Ownership Percentage Affinity Bank Federal 100%

April 1, 2021 EX-10.12

Form of Addendum to Incentive Stock Option Award Agreement† (incorporated by reference to Exhibit 10.12 to the annual report on 10-K (File No. 001-39914) filed with the Securities and Exchange Commission on April 1, 2021)

Exhibit 10.12 AFFINITY BANCSHARES, INC. 2018 EQUITY INCENTIVE PLAN INCENTIVE STOCK OPTION AWARD AGREEMENT ADDENDUM NOTICE REGARDING YOUR STOCK OPTION AWARDS Name:[] This notice is provided to you as a recipient of a stock option award (?Stock Option?) under the Affinity Bancshares, Inc. 2018 Equity Incentive Plan (formerly known as the ?Community First Bancshares, Inc. 2018 Equity Incentive Plan?)

April 1, 2021 10-K

Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2020 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39914 Affinity Bancshares, Inc.

April 1, 2021 EX-4.2

Description of Affinity Bancshares, Inc. Securities (incorporated by reference to Exhibit 4.2 to the annual report on 10-K (File No. 001-39914) filed with the Securities and Exchange Commission on April 1, 2021)

Exhibit 4.2 Description of Registrant?s Securities Unless otherwise indicated or the context otherwise requires, references in this Exhibit 4.2 to ?we, ?us? and ?our? refer collectively to Affinity Bancshares, Inc. and Affinity Bank or to either of those entities, depending on the context. General Affinity Bancshares is authorized to issue 40,000,000 shares of common stock, par value of $0.01 per

April 1, 2021 EX-10.11

Form of Addendum to Non-Qualified Stock Option Award Agreement† (incorporated by reference to Exhibit 10.11 to the annual report on 10-K (File No. 001-39914) filed with the Securities and Exchange Commission on April 1, 2021)

Exhibit 10.11 AFFINITY BANCSHARES, INC. 2018 EQUITY INCENTIVE PLAN NON-QUALIFIED STOCK OPTION AWARD AGREEMENT ADDENDUM NOTICE REGARDING YOUR STOCK OPTION AWARDS Name:[] This notice is provided to you as a recipient of a stock option award (?Stock Option?) under the Affinity Bancshares, Inc. 2018 Equity Incentive Plan (formerly known as the ?Community First Bancshares, Inc. 2018 Equity Incentive Pl

April 1, 2021 NT 10-K

- AFFINITY BANCSHARES, INC. 12B-25 FORM 10-K DECEMBER 31, 2020

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25 Commission File No. 001-39914 NOTIFICATION OF LATE FILING (Check One): ? Form 10-K ? Form 20-F ? Form 11-K ? Form10-Q ? Form 10-D ? Form N-CEN ? Form N-CSR For Period Ended: December 31, 2020 ? Transition Report on Form 10-K ? Transition Report on Form 20-F ? Transition Report on Form 11-K ? Transition Report on Form 10-Q For th

April 1, 2021 EX-10.13

Form of Addendum to Restricted Stock Award Agreement†

Exhibit 10.13 AFFINITY BANCSHARES, INC. 2018 EQUITY INCENTIVE PLAN RESTRICTED STOCK AWARD AGREEMENT ADDENDUM NOTICE REGARDING YOUR RESTRICTED STOCK AWARDS Name:[] This notice is provided to you as a recipient of a Restricted Stock Award (?Restricted Stock Award?) under the Affinity Bancshares, Inc. 2018 Equity Incentive Plan (formerly known as the ?Community First Bancshares, Inc. 2018 Equity Ince

February 10, 2021 SC 13G/A

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1) Affinity Bancshares, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) (CUSIP Number) December 31, 2020

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1) Affinity Bancshares, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 00832E103 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is

January 25, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 20, 2021 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 001-39914 86-1339773 (State or Other Jurisdiction of Incorporation) (Commission

January 25, 2021 EX-99.1

AFFINITY BANCSHARES, INC. ANNOUNCES COMPLETION OF STOCK OFFERING AND RELATED CONVERSION

EXHIBIT 99.1 FOR IMMEDIATE RELEASE Contact: Edward J. Cooney Chief Executive Officer Telephone: (678) 742-9990 AFFINITY BANCSHARES, INC. ANNOUNCES COMPLETION OF STOCK OFFERING AND RELATED CONVERSION Covington, Georgia, January 20, 2021 — Affinity Bancshares, Inc. (the “Company”) announced today that Community First Bancshares, MHC (the “MHC”) has completed its conversion from the mutual holding co

January 25, 2021 S-8

- AFFINITY BANCSHARES, INC. 2018 EQUITY INCENTIVE PLAN

Registration No. 333- As filed with the Securities and Exchange Commission on January 25, 2021 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Affinity Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 86-1339773 (State or Other Jurisdiction of (I.R.S. Employer Identification No.

January 20, 2021 8-A12B

Form 8-A filed with the Commission on January 20, 2021

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 Affinity Bancshares, Inc. (Exact Name of Registrant as Specified in Its Charter) Maryland Applied For (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification

January 19, 2021 8-K

Financial Statements and Exhibits, Other Events - AFFINITY BANCSHARES, INC. FORM 8-K JANUARY 12, 2021

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 12, 2021 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-248745 Applied For (State or Other Jurisdiction of Incorporation) (Commissio

January 5, 2021 8-K

Financial Statements and Exhibits, Other Events - FORM 8-K AFFINITY BANCSHARES, INC. DECEMBER 30, 2020

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 30, 2020 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-248745 Applied For (State or Other Jurisdiction of Incorporation) (Commissi

December 17, 2020 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 333-248745 Affinity Bancshares, Inc. (

December 17, 2020 EX-99.1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Exhibit 99.1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period Commission File No. 001-38074 Community First

November 23, 2020 424B3

(Proposed Holding Company for Newton Federal Bank) Up to 3,220,000 Shares of Common Stock (Subject to Increase to up to 3,703,000 Shares)

424B3 Table of Contents Filed Pursuant to Rule 424(b)(3) Registration No. 333-248745 PROSPECTUS (Proposed Holding Company for Newton Federal Bank) Up to 3,220,000 Shares of Common Stock (Subject to Increase to up to 3,703,000 Shares) Affinity Bancshares, Inc., a newly formed Maryland corporation that we refer to as “Affinity Bancshares” throughout this prospectus, is offering shares of common stoc

November 23, 2020 425

Merger Prospectus - AFFINITY BANCSHARES, INC. PRESS RELEASE DATED NOVEMBER 23, 2020

Filed by Affinity Bancshares, Inc. Pursuant to Rule 425 under the Securities Act of 1933 Subject Company: Community First Bancshares, Inc. File No. 001-38074 FOR IMMEDIATE RELEASE Contact: Edward J. Cooney Chief Executive Officer Telephone: (678) 742-9990 COMMUNITY FIRST BANCSHARES, INC. ANNOUNCES COMMENCEMENT OF STOCK OFFERING Covington, Georgia, November 23, 2020 — Community First Bancshares, In

November 23, 2020 424B3

PROSPECTUS OF AFFINITY BANCSHARES, INC. PROXY STATEMENT OF COMMUNITY FIRST BANCSHARES, INC.

424B3 Filed Pursuant to Rule 424(b)(3) Registration No. 333-248745 Dear Fellow Stockholder: Community First Bancshares, Inc. is soliciting stockholder votes regarding the mutual-to-stock conversion of Community First Bancshares, MHC. Pursuant to a Plan of Conversion and Reorganization, our organization will convert from a partially public company to a fully public company by selling a minimum of 2

November 13, 2020 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits - 8-K

8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 10, 2020 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-248745 Applied For (State or Other Jurisdiction of Incorporation) (Comm

November 13, 2020 EX-1.1

Agency Agreement dated November 10, 2020, by and among the Company, Community First, Newton Federal Bank and the MHC and PTCP (exhibits omitted)

EX-1.1 Exhibit 1.1 Execution Copy Up to 3,220,000 Shares (Subject to increase up to 3,703,000 in shares the event of an increase in the pro forma market value of the Company’s Common Stock) AFFINITY BANCSHARES, INC. (a Maryland corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENT November 10, 2020 Performance Trust Capital Partners, LLC 500 West Madison Street Suite 450 Chicago,

November 13, 2020 425

Merger Prospectus - 8-K

8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 10, 2020 AFFINITY BANCSHARES, INC. (Exact Name of Registrant as Specified in Charter) Maryland 333-248745 Applied For (State or Other Jurisdiction of Incorporation) (Comm

November 13, 2020 EX-1.1

Agency Agreement dated November 10, 2020, by and among the Company, Community First, Newton Federal Bank and the MHC and PTCP (exhibits omitted)

EX-1.1 Exhibit 1.1 Execution Copy Up to 3,220,000 Shares (Subject to increase up to 3,703,000 in shares the event of an increase in the pro forma market value of the Company’s Common Stock) AFFINITY BANCSHARES, INC. (a Maryland corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENT November 10, 2020 Performance Trust Capital Partners, LLC 500 West Madison Street Suite 450 Chicago,

November 6, 2020 CORRESP

AFFINITY BANCSHARES, INC. 3175 Highway 278 Covington, Georgia 30014

AFFINITY BANCSHARES, INC. 3175 Highway 278 Covington, Georgia 30014 November 6, 2020 Via Edgar Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Affinity Bancshares, Inc. Registration Statement on Form S-1 (Registration Number 333-248745) Request for Acceleration of Effectiveness Ladies and Gentlemen: Affinity Bancshares, Inc., a Maryland corporation (the ?Company?),

November 6, 2020 CORRESP

[LETTERHEAD OF PERFORMANCE TRUST CAPITAL PARTNERS]

[LETTERHEAD OF PERFORMANCE TRUST CAPITAL PARTNERS] November 6, 2020 Via Edgar Securities and Exchange Commission 100 F Street, N.

November 5, 2020 S-1/A

- S-1/A

S-1/A Table of Contents As filed with the Securities and Exchange Commission on November 5, 2020 Registration No.

October 28, 2020 CORRESP

LUSE GORMAN, PC ATTORNEYS AT LAW 5335 Wisconsin Avenue, NW, Suite 780 Washington, D.C. 20015 Telephone (202) 274-2000 Facsimile (202) 362-2902 WRITER’S DIRECT DIAL NUMBER WRITER’S EMAIL (202) 274-2007 [email protected]

LUSE GORMAN, PC ATTORNEYS AT LAW 5335 Wisconsin Avenue, NW, Suite 780 Washington, D.

October 28, 2020 EX-99.7

Form of Community First Bancshares, Inc. Stockholder Proxy Card

EX-99.7 Exhibit 99.7 YOUR VOTE IS IMPORTANT. PLEASE VOTE TODAY. Vote by Mobile or Internet QUICK EASY IMMEDIATE 24 Hours a Day, 7 Days a Week or by Mail COMMUNITY FIRST BANCSHARES, INC. Your Mobile or Internet vote authorizes the named proxies to vote your shares in the same manner as if you marked, signed, and returned your proxy card. Votes submitted electronically by Mobile or over the Internet

October 28, 2020 EX-99.5

Stock Order and Certification Form

EX-99.5 Exhibit 99.5 STOCK ORDER FORM For Internal Use Only BATCH # ORDER # CATEGORY # REC’D O C SEND OVERNIGHT PACKAGES TO: Stock Information Center 3175 Highway 278 Covington, GA 30014 Call us at (678) 729-9788 ORDER DEADLINE & DELIVERY: A Stock Order Form, properly completed and with full payment, must be received (not postmarked) before 4:00 p.m., Eastern Time, on December 21, 2020. Subscripti

October 28, 2020 EX-99.6

Letter of RP Financial, LC. with respect to Liquidation Rights

EX-99.6 Exhibit 99.6 October 26, 2020 Boards of Directors Community First Bancshares, MHC Community First Bancshares, Inc. Affinity Bancshares, Inc. Newton Federal Bank 3175 Highway 278 Covington, Georgia 30014 Re: Plan of Conversion Community First Bancshares, MHC Community First Bancshares, Inc. Members of the Boards of Directors: All capitalized terms not otherwise defined in this letter have t

October 28, 2020 EX-99.4

Marketing Materials

EX-99.4 Exhibit 99.4 Dear Valued Depositor: We are pleased to announce that the Boards of Directors of Newton Federal Bank, Community First Bancshares, Inc. and Community First Bancshares, MHC have voted unanimously in favor of a plan of conversion and reorganization (the “Plan”) whereby Community First Bancshares, MHC will convert from the mutual holding company form to the full stock form of org

October 28, 2020 EX-1.2

Form of Agency Agreement between Community First Bancshares, MHC, Community First Bancshares, Inc., Newton Federal Bank, Affinity Bancshares, Inc. and Performance Trust Capital Partners, LLC

EX-1.2 Exhibit 1.2 Up to 3,220,000 Shares (Subject to increase up to 3,703,000 in shares the event of an increase in the pro forma market value of the Company’s Common Stock) AFFINITY BANCSHARES, INC. (a Maryland corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENT [•] [•], 20[•] Performance Trust Capital Partners, LLC 500 West Madison Street Suite 450 Chicago, Illinois 60661 Lad

October 28, 2020 S-1/A

As filed with the Securities and Exchange Commission on October 28, 2020

S-1/A Table of Contents As filed with the Securities and Exchange Commission on October 28, 2020 Registration No.

September 11, 2020 S-1

Registration Statement - S-1

S-1 Table of Contents As filed with the Securities and Exchange Commission on September 11, 2020 Registration No.

September 11, 2020 EX-2

Plan of Conversion of Community First Bancshares, MHC*

EX-2 Exhibit 2 PLAN OF CONVERSION AND REORGANIZATION OF COMMUNITY FIRST BANCSHARES, MHC TABLE OF CONTENTS 1.

September 11, 2020 EX-99.7

Form of Community First Bancshares, Inc. Stockholder Proxy Card

EX-99.7 Exhibit 99.7 REVOCABLE PROXY THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS OF COMMUNITY FIRST BANCSHARES, INC. SPECIAL MEETING OF STOCKHOLDERS TO BE HELD ON [MEETING DATE] The undersigned hereby appoints all of the members of the Board of Directors of Community First Bancshares, Inc., and each of them individually, with full powers of substitution, to act as attorneys and proxies for t

September 11, 2020 EX-99.1

Engagement Letter with RP Financial, LC. to serve as appraiser*

EX-99.1 Exhibit 99.1 June 19, 2020 Mr. Edward J. Cooney Chief Executive Officer Community First Bancshares, Inc. / Newton Federal Bank 3175 Highway 278 Covington, GA 30014 Dear Mr. Cooney: This letter sets forth the agreement between Newton Federal Bank, Covington, Georgia (the “Bank”), wholly-owned by Community First Bancshares, Inc. (the “Company”), which in turn is the mid-tier holding company

September 11, 2020 EX-1.1

Engagement Letters between Community First Bancshares, MHC, Community First Bancshares, Inc., Newton Federal Bank and Performance Trust Capital Partners, LLC*

EX-1.1 Exhibit 1.1 June 22, 2020 Boards of Directors Community First Bancshares, MHC Community First Bancshares, Inc. Newton Federal Bank Attention: Mr. Edward J. Cooney Chief Executive Officer and Director Ladies and Gentlemen: We understand that the Boards of Directors of Community First Bancshares, MHC (the “MHC”), Community First Bancshares, Inc. (the “Holding Company”) and Newton Federal Bank

September 11, 2020 EX-3.2

Bylaws of Affinity Bancshares, Inc.(incorporated by reference to Exhibit 3.2 to the Company’s Registration Statement on Form S-1, as amended (Commission File No. 333-248745)

EX-3.2 Exhibit 3.2 AFFINITY BANCSHARES, INC. BYLAWS ARTICLE I STOCKHOLDERS Section 1. Annual Meeting. The Corporation shall hold an annual meeting of its stockholders to elect directors and to transact any other business within its powers, at such place, on such date and at such time as the Board of Directors shall fix. Failure to hold an annual meeting does not invalidate the Corporation’s existe

September 11, 2020 EX-99.3

Appraisal Report of RP Financial, LC.*

EX-99.3 Exhibit 99.3 PRO FORMA VALUATION REPORT SECOND-STEP CONVERSION Affinity Bancshares, Inc. | Covington, Georgia PROPOSED HOLDING COMPANY FOR: Newton Federal Bank | Covington, Georgia Dated as of August 10, 2020 1311-A Dolley Madison Boulevard Suite 2A McLean, Virginia 22101 703.528.1700 rpfinancial.com August 10, 2020 Boards of Directors Community First Bancshares, MHC Community First Bancsh

September 11, 2020 EX-3.1

Articles of Incorporation of Affinity Bancshares, Inc. (incorporated by reference to Exhibit 3.1 to the Registration Statement on Form S-1 of Affinity Bancshares, Inc. (File No. 333-248745), initially filed with the Securities and Exchange Commission on September 11, 2020)

EX-3.1 Exhibit 3.1 ARTICLES OF INCORPORATION AFFINITY BANCSHARES, INC. The undersigned, Edward A. Quint, whose address is 5335 Wisconsin Avenue, N.W., Suite 780, Washington, D.C. 20015, being at least eighteen years of age, acting as incorporator, does hereby form a corporation under the general laws of the State of Maryland, having the following Articles of Incorporation (the “Articles”): ARTICLE

September 11, 2020 EX-21

Subsidiaries of Affinity Bancshares, Inc.*

EX-21 Exhibit 21 Subsidiaries of the Registrant The following is a list of the subsidiaries of Affinity Bancshares, Inc.: Name State of Incorporation Newton Federal Bank Federal

September 11, 2020 EX-4

Form of Common Stock Certificate of Affinity Bancshares, Inc.*

EX-4 Exhibit 4 No. AFFINITY BANCSHARES, INC. INCORPORATED UNDER THE LAWS OF THE STATE OF MARYLAND Shares CUSIP: SEE REVERSE SIDE FOR CERTAIN DEFINITIONS AND RESTRICTIONS THIS CERTIFIES that is the owner of FULLY PAID AND NON-ASSESSABLE SHARES OF COMMON STOCK, PAR VALUE $0.01 PER SHARE The shares evidenced by this certificate are transferable only on the books of Affinity Bancshares, Inc. by the ho

September 11, 2020 EX-99.2

Letter of RP Financial, LC. with respect to subscription rights*

EX-99.2 Exhibit 99.2 September 8, 2020 Boards of Directors Community First Bancshares, MHC Community First Bancshares, Inc. Affinity Bancshares, Inc. Newton Federal Bank 3175 Highway 278 Covington, Georgia 30014 Re: Plan of Conversion Community First Bancshares, MHC Community First Bancshares, Inc. Members of the Boards of Directors: All capitalized terms not otherwise defined in this letter have

September 11, 2020 EX-99.5

Stock Order and Certification Form

EX-99.5 Exhibit 99.5 STOCK ORDER FORM For Internal Use Only BATCH # ORDER # CATEGORY # REC’D O C SEND OVERNIGHT PACKAGES TO: Stock Information Center 3175 Highway 278 Covington, GA 30014 Call us at (678) [ ] ORDER DEADLINE & DELIVERY: A Stock Order Form, properly completed and with full payment, must be received (not postmarked) before 4:00 p.m., Eastern Time, on December , 2020. Subscription righ

September 11, 2020 EX-16

Letter from Porter Keadle Moore, LLC with respect to change in accountants*

EX-16 Exhibit 16 September 11, 2020 Securities and Exchange Commission Washington, D.C. 20549 Commissioners: We have read the statements of Community First Bancshares, Inc., included under the heading “Change in Certifying Accountant” within its Form S-1 filed on September 11, 2020, and we agree with such statements concerning our firm. /s/ Porter Keadle Moore, LLC

September 11, 2020 EX-99.4

Marketing Materials

EX-99.4 Exhibit 99.4 Dear Valued Depositor: We are pleased to announce that the Boards of Directors of Newton Federal Bank, Community First Bancshares, Inc. and Community First Bancshares, MHC have voted unanimously in favor of a plan of conversion and reorganization (the “Plan”) whereby Community First Bancshares, MHC will convert from the mutual holding company form to the full stock form of org

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