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Affinity Bank

Popular Accounts at this Bank

0.55%1-year CD12 Month CD
0.60%Money MarketAffinity Money Market
0.60%18-month CD18 Month CD

Overview / Commentary
5660 New Northside Drive, Suite 200
Atlanta, GA 30328

Affinity Bank is headquartered in Atlanta and is the 58th largest bank in the state of Georgia. It is also the 2,520th largest bank in the nation. It was established in 2002 and as of September of 2016, it had grown to 24 employees at 1 location. Affinity Bank's money market rates are 36% higher than the national average, but it has a C health rating.

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Reviews (1)

Business Loans

Posted by: Anonymous | Dec 1, 2011

When Atlanta Business Bank changed to Affinity Bank it lost its personability, and also, its focus and direction. Affinity Bank is very keen on only doing loans for doctors and dentists, and does not give much attention to other types of businesses. I have had almost 9 plus years commercial loans with them, but I have been shocked at the poor response and willingness to help business with the problems at hand. IT is very hard to reach many of the officers who do not call back, and also they do not try to work with business owners. This is a market where Banks should look at the individual business and try to look at the history and make judgement calls based on a wide range of factors but Affinity only takes care of the "chosen ones" and I hope that they will be taken over by another stronger and better Bank.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Affinity Bank has a negative return on equity.

Health Grade Components

FDIC Certificate #57264
Year Established2002
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.91%
Return on Equity - YTD-13.29%
Annual Interest Income$7.1MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$251.9MM$260.4MM
LoansQ3 2016vs Q3 2015$196.3MM$193.9MM
DepositsQ3 2016vs Q3 2015$204.9MM$214.9MM
Equity CapitalQ3 2016vs Q3 2015$16.9MM$13.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$2.5MM$2.5MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$491.00K$2.4MM
Real Estate OwnedQ3 2016vs Q3 2015$5.4MM$13.5MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Affinity Bank Savings Account Rates

0.40%$1k-Affinity Savings
0.40%$1k-Business Savings

Affinity Bank Money Market Rates

0.60%*$25k*-Affinity Money Market
OTHER TIERS: 0.50% $2,500 - $25k
0.60%*$25k*-Business Money Market
OTHER TIERS: 0.50% $2,500 - $25k
0.50%$2,500-Charitable Money Market

Affinity Bank Checking Account Rates

0.30%$100-Affinity Business Checking
0.20%$100-Affinity Checking

Affinity Bank CD Rates

1.35%$10k-60 Month CD
1.35%$10k-Business 60 Month CD
1.15%$10k-48 Month CD
1.15%$10k-Business 48 Month CD
0.95%$10k- 36 Month CD
0.95%$10k-Business 36 Month CD
0.75%$10k- 24 Month CD
0.75%$10k-Business 24 Month CD
0.60%$10k-18 Month CD
0.60%$10k-Business 18 Month CD
0.55%$10k-12 Month CD
0.55%$10k-Business 12 Month CD
0.35%$10k-6 Month CD
0.35%$10k-Business 6 Month CD

Affinity Bank Locations
Affinity Bank5660 New Northside Drive, Suite 200Atlanta, GA 30328