Athens Bancshares Corp. operates as a bank holding company. It operates through its subsidiary, Athens Federal Community Bank, which offers a variety of financial services from the general public and use those funds to originate primarily residential mortgage and to a lesser extent, non-residential real estate, construction, land and land development, multi-family real estate, consumer, and commercial business loans. The company was founded in September 2009 and is headquartered in Athens, TN.