COMMUNITY FINANCIAL SERVICES BANK

BENTON, KY | Large | Est. Jan. 1, 1890, midnight | FDIC #287 | RSSD #698144 | FED
Latest Report: 2025-12-31

COMMUNITY FINANCIAL SERVICES BANK is aln large FDIC-insured commercial bank headquartered in BENTON, KY, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.3B. Profitability stands at 1.03% ROA and 13.37% ROE, with a net interest margin of 3.57%. The bank's CET1 capital ratio is 13.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 3.63%. FDIC Certificate #287.

Assets

$1.4B

Deposits

$1.3B

Loans

$968M

Equity

$110M

Profitability

Return on Assets (ROA) 1.03%
Return on Equity (ROE) 13.37%
Net Interest Margin (NIM) 3.57%
Yield on Assets 5.77%
Cost of Funds 2.69%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio 0.39%
Texas Ratio 3.63%
NPA Ratio 0.32%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 13.77%
Tier 1 Capital 13.77%
Total Capital Ratio 15.02%
Leverage Ratio 10.08%
Loan-to-Deposit 75.96%

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