What is Community Financial Services Bank's financial health grade?

Community Financial Services Bank has a TFS Financial Health Grade of C- (score: 72.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Community Financial Services Bank have?

Community Financial Services Bank has 8 branch locations across the United States.

Is Community Financial Services Bank FDIC insured?

Yes, Community Financial Services Bank is FDIC insured (Certificate #287).

What are the total assets of Community Financial Services Bank?

Community Financial Services Bank has total assets of $1.4B as reported in its most recent FDIC filing.

Community Financial Services Bank

BankBenton, Kentucky

http://www.yourlifeyourbank.com

Total Assets

$1.4B

Total Deposits

$1.3B

Branches

Established

1890

TFS Health Grade

C-

72.5 / 100

Average financial health

How we grade

Community Financial Services Bank is a bank headquartered in Benton, Kentucky, established in 1890. With $1.4B in total assets and 8 branch locations, it has a TFS Financial Health Grade of C- (72.5/100).

Capital & Safety

Tier 1 Capital Ratio

10.08%(8%)

Total Capital Ratio

15.02%(10%)

Non-Performing Loan Ratio

0.46%

Profitability

Return on Assets (ROA)

1.09%(1%)

Return on Equity (ROE)

14.84%(10%)

Net Interest Margin

3.45%

Efficiency Ratio

63.37%(60%)

Lending & Liquidity

Total Loans

$968.3M

Loan-to-Deposit Ratio

74.92%

Net Charge-Off Ratio

0.39%

Growth

Asset Growth (YoY)

-2.67%

Deposit Growth (YoY)

-2.81%

Net Income

$15.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Community Financial Services BankHQ	221 W 5th St	Benton	KY	11
Community Financial Services Bank	23 Us Highway 68 W	Benton	KY	11
Community Financial Services Bank	456 E 5th Ave	Calvert City	KY	11
Community Financial Services Bank	100 Dick Castleman Byp	Mayfield	KY	11
Community Financial Services Bank	414 S 12th St	Murray	KY	11
Community Financial Services Bank	1721 N 12th St	Murray	KY	11
Community Financial Services Bank	2550 Irvin Cobb Dr	Paducah	KY	11
Community Financial Services Bank	3390 Park Ave	Paducah	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.