Affinity Bank

5660 New Northside Drive, Suite 200
Atlanta, GA 30328


General Bank Information

FDIC Insured Yes
FDIC Certificate # 57264
Date Established 2002
Assets $0.27 billion
Loans $0.21 billion
Deposits $0.21 billion
Capital $0.02 billion

Affinity Bank is an FDIC insured institution located in Atlanta, GA. It was founded in 2002 and has approximately $0.27 billion in assets.

For a more detailed analysis of Affinity Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Affinity Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Georgia, Affinity Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 1.01
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 23.31
Construction and Development Loans 5.31
Commercial Real Estate 44.13
Commercial and Industrial Loans 50.50
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

6 Mo CD 10K
0.85% $10,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.40% $1,000 - Learn MoreShow Less
MM 10K
0.50% $2,500 $24,999 Learn MoreShow Less
MM 25K
0.60% $25,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.20% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Affinity Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
HomeDirect Mortgage
NMLS ID: 420821
3.888% 3.875% 0.13 $497 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Affinity Bank
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Affinity Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Affinity Bank Locations

Financial Details

Affinity Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Affinity Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Affinity Bank U.S. Bank Average
12.61% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Affinity Bank had $398,000 in non-current loans and $2,254,000 in owned real estate. To cover these potential losses it had $18,301,000 in equity and $2,725,000 in loans loss reserves. That gives it a Texas Ratio of 12.61%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Affinity Bank U.S. Bank Average
13.09% 8.58

Affinity Bank has a Return on Equity of 13.09% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Affinity Bank U.S. Bank Average
6.75% 12.11

Affinity Bank has a Capitalization of 6.75% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Affinity Bank Balance Sheet Analysis

As of June 30, 2017, Affinity Bank had assets of $271,060,000, loans of $205,382,000, and deposits of $212,315,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Affinity Bank

Branches and Savings

Is Affinity Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57264.

Why does Affinity Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Affinity Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Affinity Bank a commercial bank?


Where are Affinity Bank locations?

See branch locations nearby.

Is Affinity Bank open on Saturdays?

Is Affinity Bank open on Sundays?

What time does Affinity Bank open?

What time does Affinity Bank close?

Are Affinity Bank ATMs Open 24/7?

Do Affinity Bank ATMs accept cash deposits?

Can Affinity Bank customers use other ATMs?

Do Affinity Bank branches have notaries?

Will Affinity Bank notarize my document?

What address for Affinity Bank should I put for incoming ACH transfers?

Will the Affinity Bank branch print checks?

Do Affinity Bank checks expire?

Does Affinity Bank require US citizenship to open account?

Can Affinity Bank close my account?

Does Affinity Bank Report to credit bureaus?

Does Affinity Bank Use Equifax?

What is Affinity Bank's ACH Routing Number?

What is Affinity Bank's SWIFT code?


Does Affinity Bank offer mortgages?

Compare mortgage rates here.

Does Affinity Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Affinity Bank offer personal loans?

Compare personal loan rates here.

Does Affinity Bank offer student loans?

Will Affinity Bank cash a check?

Will Affinity Bank redeem a savings bond?

Does Affinity Bank cash savings bonds?

Will Affinity Bank cash money orders?

Can Affinity Bank issue a money order?

Does Affinity Bank do currency exchange?

Background on The Bank

Who owns Affinity Bank?

How long has Affinity Bank been around?

Can Affinity Bank transfer to other banks?

Does Affinity Bank have quick pay?

Does Affinity Bank accept rolled coins?

Will Affinity Bank accept loose change?

Where is Affinity Bank headquarters?

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