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Affinity Bancshares Balance Sheet 2025-2011 | AFBI
Brief overview of Affinity Bancshares's balance sheet strength
The review uses the five latest available annual reports between 2021 and 2025.
Across five periods, assets reached $881.7 million versus $788.1 million initially. Growth of +11.9% reflects gradual development.
Asset growth of +11.9% was close to the +13.1% change in liabilities, leaving the funding profile broadly stable.
The equity ratio equals 14.4%, with a starting level of 15.3%. Stable cash flow is important under this structure.
Cash accounts for 6.1% of assets versus 14.2% initially. The change indicates the degree of financial flexibility.
Retained earnings reached $76.1 million, changing +30.7% over the period. A positive accumulated result supports equity.
Overall picture
Affinity Bancshares's financial structure is not clear-cut. Asset scale alone does not resolve questions about how those assets are funded.
Annual Balance Sheet Affinity Bancshares
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | - | - | - | - | -178 K | -48.1 M | - | - | - | - | - | - | - | - |
Total Liabilities |
755 M | 738 M | 722 M | 674 M | 667 M | 770 K | 242 M | - | - | - | - | - | - | - | - |
Retained Earnings |
76.1 M | 76.8 M | 71.3 M | 65.4 M | 58.2 M | 50.6 K | 47.6 M | - | - | - | - | - | - | - | - |
Total Assets |
882 M | 867 M | 843 M | 791 M | 788 M | 851 K | 319 M | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
53.8 M | 41.4 M | 50 M | 26.3 M | 112 M | 178 M | - | - | - | - | - | - | - | - | - |
Book Value |
127 M | 129 M | 122 M | 117 M | 121 M | 80.8 K | 77.2 M | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
127 M | 129 M | 122 M | 117 M | 121 M | 80.8 M | 77.2 M | - | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Balance Sheet Affinity Bancshares
| 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
795 M | 800 M | 810 M | 790 M | 738 M | 750 M | 749 M | 746 M | 722 M | 737 M | 759 M | 814 M | 674 M | 661 M | 651 M | 644 M | 667 M | 670 M | 669 M | 682 M | 770 M | 770 M | 770 M | 770 M | 242 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
78.4 M | 74 M | 71.8 M | 69.6 M | 76.8 M | 75.4 M | 73.7 M | 72.7 M | 71.3 M | 69.8 M | 68.2 M | 66.6 M | 65.4 M | 63.7 M | 61.8 M | 60 M | 58.2 M | 56.9 M | 55.1 M | 52.8 M | 50.6 M | 50.6 M | 50.6 M | 50.6 M | 47.6 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
925 M | 925 M | 934 M | 912 M | 867 M | 879 M | 874 M | 870 M | 843 M | 855 M | 877 M | 932 M | 791 M | 776 M | 767 M | 760 M | 788 M | 790 M | 787 M | 797 M | 851 M | 851 M | 851 M | 851 M | 319 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
89.4 M | 84.8 M | 89.7 M | 74.7 M | 41.4 M | 52.3 M | 50.4 M | 61.4 M | 50 M | 61.5 M | 82.9 M | 137 M | 26.3 M | 40.5 M | 55.4 M | 69.9 M | 112 M | 131 M | 116 M | 101 M | 178 M | 178 M | 178 M | 178 M | 48.1 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
129 M | 125 M | 124 M | 122 M | 129 M | 128 M | 125 M | 123 M | 122 M | 118 M | 118 M | 118 M | 117 M | 115 M | 115 M | 116 M | 121 M | 120 M | 118 M | 115 M | 80.8 M | 80.8 M | 80.8 M | 80.8 M | 77.2 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
129 M | 125 M | 124 M | 122 M | 129 M | 128 M | 125 M | 123 M | 122 M | 118 M | 118 M | 118 M | 117 M | 115 M | 115 M | 116 M | 121 M | 120 M | 118 M | 115 M | 80.8 M | 80.8 M | 80.8 M | 80.8 M | 77.2 M | - | - | - | 76.4 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Balance Sheet is a fundamental financial report of Affinity Bancshares, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.