Unverified listing What this means
The Lender Report built this page from public records. Affinity Bank, National Association has not reviewed it. Every lender's page starts this way, and it says nothing about Affinity Bank, National Association itself. Each figure shows its source and date. Work at Affinity Bank, National Association? You can claim this page for free.
Bank, Covington, GA
Affinity Bank, National Association
Affinity Bank, National Association no longer files under this name. FDIC records show it merged into The Fidelity Bank on August 1, 2026. Before that it provided the first lien on 3 SBA 504 projects since October 2023 and made 5 1-4 unit investor or business-purpose loans in 2025.
- Kind
- Bank
- Data as of
- HMDA 2025, SBA September 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $561M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 3
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $915M
- FDIC call report,
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number or website.
- Names it files under
- Affinity BankFDIC institution record,
- Address
- 3175 Highway 278, Covington, GA 30014FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 1 closed, 0 relocated.FDIC structure history. | FDIC history |
| August 1, 2026 | Merged into The Fidelity Bank on August 1, 2026.FDIC structure history. | FDIC history, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 4.0% to $167.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 4.8% to $155.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Fiscal 2026 | The holding company reported a balance of $36.1M still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. | SEC 10-Q and 10-K filings, |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jun 2025 | Georgia | SBA 504, All Other Personal Services | $260K | 25 yr | SBA FOIA | ||
| 3 SBA 504 first liens since October 2023, net of cancelled | $3.50M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $4.11M | 0.6% | -6.7% |
| Construction and land development | $76.5M | 10.2% | +4.1% |
| Owner-occupied CRE | $158M | 21.1% | -3.4% |
| Non-owner-occupied CRE | $167M | 22.4% | +4.0% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $155M | 20.8% | +4.8% |
| Commercial total | $561M |
Reference only: $49.7M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $490M |
| Q4 2023 | $491M |
| Q1 2024 | $506M |
| Q2 2024 | $524M |
| Q3 2024 | $527M |
| Q4 2024 | $539M |
| Q1 2025 | $545M |
| Q2 2025 | $551M |
| Q3 2025 | $549M |
| Q4 2025 | $559M |
| Q1 2026 | $568M |
| Q2 2026 | $561M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 5 | $4.25M | $515K | HMDA, | |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 3 | $3.50M | $1.50M | $1.7M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its name and state. SBA 504 first liens: name and lender office city.
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Affinity Bank, National Association reported commitments to fund construction loans that had not been drawn at June 30, 2026: $25,447,000 for 1-4 family residential construction and $8,986,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $16,589,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 189 | $7.84M |
| Over $100,000 up to $250,000 | 97 | $9.17M |
| Over $250,000 up to $1 million | 267 | $82.3M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 21 | $790K |
| Over $100,000 up to $250,000 | 56 | $7.71M |
| Over $250,000 up to $1 million | 195 | $77.8M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Georgia HQ | 1 | 0 | 5 | 0 | 3 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Affinity Bank, National Association has 2 offices in 2 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 2 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Cobb County, GA | 1 | 0 |
| Newton County, GA | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Peers
Same kind of lender, similar size and book
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Affinity Bank, National Association, FDIC certificate 29510. Compare it with the regulator's record. [FDIC BankFind]
- Loans made. 8 recorded loans from HMDA and SBA files, through September 30, 2026: 5 HMDA 1-4 unit investor 2025, 3 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Affinity Bank, National Association]
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For the record
Data as of HMDA 2025, SBA September 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 29510
- RSSD
- 321273
- LEI
- 2549002AEOG52GLE5B68
- The Lender Report ID
- lr_001665
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $915.2M in total assets as of June 30, 2026 (FDIC call report).
- Held $561.4M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $167.2M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 4.0% from a year earlier (FDIC call report).
- Held $158.1M of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $155.5M of commercial and industrial loans as of June 30, 2026, up 4.8% from a year earlier (FDIC call report).
- Originated 5 1-4 unit investor or business-purpose loans totaling $4.3M in 2025 (HMDA).
6 more sentences
- Provided the first lien on 3 SBA 504 projects with $3.5M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Merged into The Fidelity Bank on August 1, 2026. Source: FDIC records.
- Affinity Bancshares, Inc. reported in its 10-Q for the period ended 2026-03-31 that the company and all of its subsidiaries together still held $36.1M of loans originated in fiscal 2026 (SEC filing).
- Held 553 commercial and industrial loans that were $1 million or less when made, with a balance of $99.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 272 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $86.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $25.4M for 1-4 family and $9M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Affinity Bank, National Association, https://lender.report/lender/affinity-bank-ga/, data as of December 31, 2025.
Sources
- FDIC institution record, November 9, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- SEC 10-Q and 10-K filings, March 31, 2026
- FDIC Summary of Deposits, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem