Community Financial Services Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 75.39 percentage points higher than in Q1 2026, at 311.35%. Community Financial Services Bank ranks 78th of 119 Kentucky banks on return on assets, in the lower half at 1.09% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Community Financial Services Bank sits 0.18 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.52% |
| Tier 1 risk-based capital ratio | 13.52% |
| Total risk-based capital ratio | 14.77% |
| Tier 1 leverage ratio | 10.33% |
| Equity capital to assets | 8.27% |
| Tangible equity to tangible assets | 8.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.27% |
| Texas ratio | 3.28% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 311.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 14.08% |
| Net interest margin | 3.63% |
| Efficiency ratio | 64.07% |
| Yield on earning assets | 5.53% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.77% |
| Core deposits to total deposits | 92.90% |
| Brokered deposits to total deposits | 1.46% |
| Deposits to assets | 89.43% |
| Securities to assets | 19.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.44% | 12.44% | 13.70% | 9.58% | 0.57% |
| Q4 2023 | 12.75% | 12.75% | 14.01% | 9.63% | 0.50% |
| Q1 2024 | 12.40% | 12.40% | 13.66% | 9.52% | 0.29% |
| Q2 2024 | 12.74% | 12.74% | 14.00% | 9.65% | 0.48% |
| Q3 2024 | 12.94% | 12.94% | 14.19% | 9.82% | 0.51% |
| Q4 2024 | 13.17% | 13.17% | 14.42% | 9.65% | 0.80% |
| Q1 2025 | 13.00% | 13.00% | 14.26% | 9.76% | 0.77% |
| Q2 2025 | 12.92% | 12.92% | 14.17% | 9.87% | 0.86% |
| Q3 2025 | 13.67% | 13.67% | 14.92% | 10.17% | 1.56% |
| Q4 2025 | 13.77% | 13.77% | 15.02% | 10.08% | 0.99% |
| Q1 2026 | 13.47% | 13.47% | 14.72% | 10.21% | 0.92% |
| Q2 2026 | 13.52% | 13.52% | 14.77% | 10.33% | 1.09% |
Community Financial Services Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Financial Services Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Financial Services Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 287) · FFIEC NIC profile (RSSD 698144)