Community Financial Services Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Financial Services Bank of Benton, KY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.09% | 1.46% | -0.37% | 36th below |
| ROAE | 14.08% | 12.72% | +1.36% | 63rd above |
| Net Interest Margin | 3.63% | 3.85% | -0.22% | 44th below |
| Efficiency Ratio | 64.07% | 57.40% | +6.67% | 34th below |
| PPNR / Avg Assets | 1.46% | 1.88% | -0.42% | 35th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.53% | 5.72% | -0.19% | 50th above |
| Cost of Funds | 1.75% | 2.02% | -0.27% | 65th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.17% | 3.18% | -0.01% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.42% | 1.00% | -0.58% | 64th above |
| NPA / Total Assets | 0.30% | 0.76% | -0.46% | 65th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.27% | 0.43% | -0.16% | 15th bottom |
| ACL / Total Loans | 1.32% | 1.31% | +0.01% | 72nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 311.35% | 543.48% | -232.13% | 71st above |
| Texas Ratio | 3.28% | 7.39% | -4.11% | 63rd above |
| Provision / NCO | 64.06% | 618.95% | -554.89% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.52% | 17.34% | -3.82% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.52% | 17.37% | -3.85% | 50th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.77% | 18.42% | -3.65% | 53rd above |
| Leverage Ratio | 10.33% | 11.44% | -1.11% | 46th below |
| Equity / Assets | 8.27% | 11.34% | -3.07% | 9th bottom |
| TCE / Tangible Assets | 8.26% | 10.50% | -2.24% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.77% | 86.96% | -7.19% | 71st above |
| Core Deposit Ratio | 92.90% | 85.55% | +7.35% | 73rd above |
| Uninsured Deposit Ratio | 21.32% | 33.13% | -11.81% | 80th top |
| Wholesale Funding Ratio | 1.76% | 5.71% | -3.95% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.69% | 9.69% | -11.38% | 9th bottom |
| Loan Growth (Y/Y) | -0.84% | 8.06% | -8.90% | 14th bottom |
| Deposit Growth (Y/Y) | -1.95% | 7.87% | -9.82% | 11th bottom |
See Community Financial Services Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Financial Services Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community Financial Services Bank profile, how to read a UBPR, or how this data updates.