Community Financial Services Bank
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Data as of · sourced from FFIEC call reports. How we update
Community Financial Services Bank is an FDIC-insured commercial bank headquartered in Benton, KY, established in 1890 (FDIC certificate 287), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.37B, down 1.7% from Q2 2025, the 13th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 13.52% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 287
- Headquarters
- Benton, KY
- Established
- 1890
- Total assets, Q2 2026
- $1.37B
- Assets vs Q2 2025
- -1.7%
- CET1 ratio, Q2 2026
- 13.52%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 083903328
- Latest call report
- Q2 2026, FFIEC 051 · Community Financial Services Bank call report
- Holding company
- COMMUNITY FINANCIAL SERVICES, INC.
- Asset rank in state
- 13th of 120 in Kentucky
Community Financial Services Bank, based in Benton, Kentucky, reported $1.4 billion in assets at June 30, 2026, down 1.7% from a year earlier. It holds commercial real estate loans worth 0.8 times its capital, about a third the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets. It also lost 1.9% of its deposits over the year, lower than about 9 in 10 banks its size (median 5.1%).
Its $118 million commercial and industrial book is improving, with 1.25% past due or on nonaccrual, down from 4.46% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $45 million equal 31% of Tier 1 capital, down from 45% a year earlier.
As of June 30, 2026, Community Financial Services Bank reported a CET1 capital ratio of 13.52%, a return on assets of 1.09%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 3.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community Financial Services Bank is the 13th largest of the 120 banks headquartered in Kentucky. From Q1 2026 to Q2 2026, its total assets were flat, loans rose 0.5% and deposits fell 0.8%. 1-4 family residential loans made up 31.2% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 19.4%. The FDIC Summary of Deposits lists 8 offices for it, in 5 cities in KY; its Benton 2 offices book 45% of its branch deposits. On its Q2 2026 call report, Community Financial Services Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 221 W 5th St, Benton, KY 42025
- County
- Marshall
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 227
- Domestic deposits
- $1.23B
- Allowance for credit losses
- $12.9M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $1.42B
- Average total loans
- $964.6M
- Average interest-bearing deposits
- $1.20B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 287
- Fed RSSD
- 698144
- Parent Holding Company
- COMMUNITY FINANCIAL SERVICES, INC. (RSSD 1097986)
- Ultimate Parent
- RSSD 2052067
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Community Financial Services Bank's total assets moved between a low of $1.36B (Q3 2023) and a high of $1.45B (Q4 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.37B total assets against $1.40B; $1.26B total liabilities against $1.30B.
$965.6M net loans and leases against $972.3M; $1.23B total deposits against $1.25B.
$274.2M securities against $282.9M; $27.7M cash and balances due against $29.3M.
$17.8M total interest income against $18.3M; $6.2M total interest expense against $7.5M.
$11.6M net interest income against $10.8M.
$3.4M total noninterest income against $2.7M; $9.8M total noninterest expense against $9.5M.
$495K provision for credit losses against $225K.
$3.9M net income against $3.1M.
1.09% return on assets against 0.86%; 3.63% net interest margin against 3.30%.
13.52% CET1 capital ratio against 12.92%; 10.33% tier 1 leverage ratio against 9.87%.
Inside the full Community Financial Services Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Financial Services Bank rankings
Its closest position to the top of a national ranking is 796 of 4,196, for total assets; its furthest is 787 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.51% (Q3 2024) to 1.56% (Q3 2025) and its net interest margin ran from 2.77% (Q3 2024) to 3.63% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.52% | 1.09% | 0.42% | 3.28% | 3.63% |
| Q1 2026 | 13.47% | 0.92% | 0.57% | 4.60% | 3.44% |
| Q4 2025 | 13.77% | 0.99% | 0.46% | 3.64% | 3.48% |
| Q3 2025 | 13.67% | 1.56% | 0.70% | 5.63% | 3.52% |
| Q2 2025 | 12.92% | 0.86% | 0.93% | 8.34% | 3.30% |
| Q1 2025 | 13.00% | 0.77% | 0.83% | 7.10% | 3.09% |
| Q4 2024 | 13.17% | 0.80% | 0.59% | 4.93% | 3.06% |
| Q3 2024 | 12.94% | 0.51% | 0.59% | 4.85% | 2.77% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Financial Services Bank (main office) | Benton , KY | 42025 | $471.4M |
| Mccracken County Banking Center - Park Avenue Branch | Paducah , KY | 42001 | $180.1M |
| Calloway County Banking Center Branch | Murray , KY | 42071 | $161.2M |
| Graves County Banking Center Branch | Mayfield , KY | 42066 | $94.7M |
| Calvert City Banking Center Branch | Calvert City , KY | 42029 | $88.1M |
| Draffenville Banking Center Branch | Benton , KY | 42025 | $84.7M |
| Calloway County Sycamore Banking Center | Murray , KY | 42071 | $78.0M |
| Mccracken County Banking Center - Southside Branch | Paducah , KY | 42003 | $68.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 14, 2001 | Structure Change | Acquired Calvert Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 13, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action January 16, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in KY, rank 21 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 489 applications, 358 loans originated, $88.4M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $2.2M approved, $558K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Financial Services Bank
What are Community Financial Services Bank's total assets?
As of the Q2 2026 filing, Community Financial Services Bank reported total assets of $1.37 billion in its FFIEC call report.
Where is Community Financial Services Bank headquartered?
It is headquartered in Benton, KY, United States.
When was Community Financial Services Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Community Financial Services Bank FDIC-insured?
Yes. It 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 Federal Reserve.
What is Community Financial Services Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Financial Services Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Financial Services Bank's Texas Ratio?
Its Texas Ratio is 3.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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