Our Story

We’re better together. We’re better as a bank and community when we’re working together for a common cause and when we’re helping one another. We’ve felt that way since we opened our doors in 1928. Our history in the community, our partnerships, and our dedicated team of professionals are a powerful combination to work on behalf of you. 

Our business customers know Newton Federal will do its best to strengthen their financial positions before, during and throughout the global pandemic by successfully managing your programs. 

 Whether we’re helping you reach your goals, or we’re giving back to support worthy causes in our community, we’re better. That’s what drives us and makes us who we are, as a real community bank. Experience what it’s like to be a part of the Newton Federal Bank family, and switch to us today.




Customers of Newton Federal Bank with non interest-bearing transaction accounts will be permanently insured for up to $250,000 under the FDIC’s general deposit insurance rules. Privacy Policy, Phishing warning, and other information to help keep your personal information safe.


We Have a History of Excellence

Before the bank, the Methodist Church broke ground on 1,400 acres north of Covington, Georgia, and named the new college Emory, in honor of Methodist bishop John Emory

Newton County Building and Loan Association founded. 

Federal Charter established as Newton Federal Savings and Loan Association

The first movie was filmed in Covington, “A Man Named Peter.” Since then more 126 productions and 1,034 Television episodes have been filmed in the greater Covington area.

In Newton Federal Savings & Loan Association opens its Main Office building at 3175 Highway 278 in Covington.

On January 12, 1989, Newton Federal Savings & Loan Association donated a house located just a few blocks from Town Square to the Covington-Newton County Chamber of Commerce. To this day, the Chamber still occupies the property.

Eastside Branch opens. 

New name of Newton Federal Bank adopted. 

Southside Branch opens.

Teen drama series “The Vampire Diaries” began filming in Covington, and went on to air 171episodes in eight seasons and win multiple People’s Choice and Teen Choice awards.

Mystic Grill, featured in "The Vampire Diaries" opens and becomes a Newton Federal client. 

Newton Federal Bank received the prestigious Partner of the Year award from the Newton County School System. The annual award recognizes the most outstanding involvement of a business partner among the 150+ individual school-business partner.

Facebook entered the market with its 9th US Data Center and we began to impact the digital sphere.

Takeda, a Japanese multinational biopharmaceutical company with $19 Billion in revenue, enters the market. Takeda is a leader among R&D companies searching for a vaccine for the COVID-19 virus.

Affinity Bank and FitnessBank Acquisition Finalized.

Celebrated Newton Federal made over $500,000 in charitable donations in the decade, since 2010.

Lead local response to the COVID-19 Paycheck  Protection Program - 1,200 total SBA-PP and over $130,000,000.00 for local businesses.

Let's Get Started. We're Better Together!

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Newton Federal Bank is a division of Affinity Bank. Newton Federal Bank and Affinity Bank are the same entity for the purpose of calculating FDIC insurance limits and deposits. Effective September 15, 2023, the Bank converted from a federal savings association to a national bank, and as a result, the Company became a bank holding company instead of a savings and loan holding company. Newton Federal is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments. © 2023-2024 All Rights Reserved.