In the first quarter of 2026, Affinity Bancshares maintained disciplined credit risk management, with no sales of available-for-sale securities despite temporary unrealized losses driven by interest rate fluctuations. The loan portfolio remains diversified with a healthy composition of commercial and residential real estate collateral, supported by an experienced management team focused on community banking in Georgia. Stable deposits and access to Federal Home Loan Bank funding continue to underpin liquidity while measured loan growth drives near-term expansion prospects. Key risks include credit concentration in real estate and interest rate sensitivity, requiring ongoing vigilant monitoring.