AFBI Selected Data COMPANY HIGHLIGHTS $924.7 million in assets $751.8 million in loans $734.3 million in deposits 1.22% growth in loans 5.67% growth in deposits $129.5 million in equity As of 2026 Q1 2026

AFBI Selected Data COMPANY HIGHLIGHTS 24.7% increase in earnings from Q1 2025 $2.3 million in Q1 2026 earnings $0.36 diluted EPS (1) See Non-GAAP Reconciliation 24.1% increase in diluted EPS from Q1 2025 Return on Assets 1.00% Return on Equity 7.19%

AFBI Selected Data Loan Composition as of March 31, 2026

AFBI Selected Data Deposit Composition as of March 31, 2026

AFBI Share Information NON-GAAP RECONCILIATION For the Three Months Ended Non-GAAP Reconciliation March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025 Operating net income reconciliation Net income (GAAP)   $ 2,284   $ 2,132   $ 2,217   $ 2,152   $ 1,831 Net loss on securities available for sale and held to maturity   —   260   —   —   — ESOP Compensation expense related to dividend   —   225   220   210   211 Income tax expense   —   (107)   (48)   (46)   (46) Operating net income $ 2,284   $ 2,510   $ 2,389   $ 2,316   $ 1,996 Weighted average diluted shares   6,297,092   6,322,749   6,427,697   6,457,397   6,547,817 Adjusted diluted earnings per share   $ 0.36   $ 0.40   $ 0.37   $ 0.36   $ 0.30 Tangible book value per common share reconciliation Book Value per common share (GAAP)   $ 21.24   $ 20.84   $ 20.25   $ 19.66   $ 19.25 Effect of goodwill and other intangibles   (2.94)   (2.95)   (2.91)   (2.86)   (2.85) Tangible book value per common share $ 18.30   $ 17.89   $ 17.34   $ 16.80   $ 16.40 Tangible equity to tangible assets reconciliation Equity to assets (GAAP) 14.00%   14.41%   13.55%   13.29%   13.40% Effect of goodwill and other intangibles   (1.71)%   (1.79)%   (1.72)%   (1.71)%   (1.75)% Tangible equity to tangible assets (1)   12.29%   12.62%   11.83%   11.58%   11.65% (1) Tangible assets is total assets less intangible assets. Tangible equity is total equity less intangible assets.