COMMUNITY FINANCIAL SERVICES BANK
COMMUNITY FINANCIAL SERVICES BANK is an FDIC-insured commercial bank headquartered in BENTON, KY, established in 1890. As of , 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 3.41%. CET1 capital ratio: 13.77%, well above regulatory minimums. NPL ratio: 0.46% · Texas Ratio: 3.63%. Operates 8 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Community Financial Services Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.77% | 1.03% | 0.46% | 3.63% | 3.41% |
| 2025-09-30 | 13.67% | 1.64% | 0.70% | 5.62% | 3.45% |
| 2025-06-30 | 12.92% | 0.90% | 1.01% | 9.09% | 3.22% |
| 2025-03-31 | 13.00% | 0.80% | 0.92% | 7.81% | 3.02% |
| 2024-12-31 | 13.17% | 0.85% | 0.69% | 5.72% | 2.99% |
| 2024-09-30 | 12.94% | 0.53% | 0.69% | 5.63% | 2.69% |
| 2024-06-30 | 12.74% | 0.50% | 0.76% | 6.88% | 2.60% |
| 2024-03-31 | 12.40% | 0.30% | 0.85% | 7.60% | 2.51% |
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Frequently asked about COMMUNITY FINANCIAL SERVICES BANK
What are Community Financial Services Bank's total assets?
As of the Q4 2025 filing, Community Financial Services Bank reported total assets of $1.41 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Community Financial Services Bank headquartered?
Community Financial Services Bank is headquartered in BENTON, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Community Financial Services Bank founded?
Community Financial Services Bank was established in 1890, per the FDIC institution directory.
Is Community Financial Services Bank FDIC-insured?
Yes. Community Financial Services Bank is an FDIC-insured commercial bank (FDIC Certificate #287). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Financial Services Bank?
Community Financial Services Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Community Financial Services Bank's CET1 capital ratio?
Community Financial Services Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.77% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Community Financial Services Bank operate?
Community Financial Services Bank operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Community Financial Services Bank's Texas Ratio?
Community Financial Services Bank's Texas Ratio is 3.63% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.