Affinity Bank, National Association
Covington, GA
IDRSSD: 321273
Total Assets
$881.42M
Latest filing
Total Deposits
$703.32M
Latest filing
Net Interest Margin
3.90%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
261170371COVINGTON, GA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Affinity Bank, National Association
3175 Highway 278
Covington, GA 30014
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1928FDIC Certificate 42344
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Affinity Bank, National Association (Main) | 3175 Highway 278 | Covington, GA |
| NEWTON FEDERAL BANK EASTSIDE DRIVE THRU BRANCH | 8258 Highway 278 Ne | Covington, GA |
| AFFINITY BANK BRANCH | 400 Galleria Pkwy Se | Atlanta, GA |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1928 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30014 |
| State and County Number | 13217 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Atlanta-Sandy Springs-Alpharetta, GA |
Operational Info
| Number of Employees | 80 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/15/2023 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.newtonfederal.com |
| Data Updated | 01/30/2026 |
| CERT | 29510 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $881.42M |
| Total Deposits | $703.32M |
| Total Liabilities | $768.66M |
| Total Equity Capital | $112.76M |
| Net Income | $2.23M |
| Net Loans and Leases | $733.76M |
| Assets Per Employee ($Millions) | $10.88M |
| Bank Premises and Fixed Assets | $3.53M |
| Cash and Balances due from Depository Institutions | $18.09M |
| Deposits Held in Domestic Offices | $703.32M |
Key Performance Ratios
| Return on Assets (ROA) | 0.99% |
| Return on Equity (ROE) | 7.9% |
| Net Interest Margin | 3.9% |
| Efficiency Ratio | 59.88% |
| Tier 1 Risk-Based Capital Ratio | 12.044% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.793% |
| Earning Assets to total Assets | 92.97% |
Income and Expense
| Total Interest Income | $13.14M |
| Total Noninterest Income | $653.00k |
| Total Interest Expense | $4.94M |
| Total Noninterest Expense | $5.35M |
| Net Interest Income | $8.20M |
| Pre-tax Net Operating Income | $3.87M |
| Provision for Credit Losses | $49.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $57.96M |
| Federal Funds Sold & Reverse Repurchase Agreement | $35.76M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.39M |
| Total Liabilities and Capital | $881.42M |
Securities
| Securities | $38.76M |
| Available-for-sale debt securities | $38.76M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Affinity Bank, National Association?
$881.42M as of the latest filing.
How much are Affinity Bank, National Association's total deposits?
$703.32M in total deposits.
Where is Affinity Bank, National Association located?
Covington, GA.
What is the Net Interest Margin?
3.90%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1928.
What is the Return on Assets (ROA)?
0.99%.
How much are total loans and leases?
$733.76M (latest filing).
What is the total interest income (latest filing)?
$13.14M.