Community Financial Services Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Community Financial Services Bank is the primary bank subsidiary of its parent holding company, headquartered in Benton, KY. Returns are in line with industry norms at 1.09% ROA and 14.08% ROE; net interest margin is 3.63%. Community Financial Services's Q2 2026 balance sheet shows $1.4B in assets funded primarily by $1.2B in customer deposits. Regulatory capital is solid, 13.52% CET1 and 14.77% total risk-based capital ratio. Asset quality is pristine, 0.42% NPLs and a 3.28% Texas Ratio. 8 branches make up the footprint.
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%, a Texas ratio of 3.28%, per financial data filed with the FFIEC.
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
- Offices
- 8 domestic
- Employees (FTE)
- 227
- Domestic deposits
- $1.23B
- Allowance for credit losses
- $12.9M
- Net charge-offs (YTD)
- $1.1M
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Community Financial Services Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Community Financial Services Bank, freeCommunity Financial Services Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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 |
|---|---|---|---|---|---|
| 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% | 1.01% | 9.11% | 3.30% |
| Q1 2025 | 13.00% | 0.77% | 0.92% | 7.83% | 3.09% |
| Q4 2024 | 13.17% | 0.80% | 0.69% | 5.73% | 3.06% |
| Q3 2024 | 12.94% | 0.51% | 0.69% | 5.69% | 2.77% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| 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
What the public regulatory sources show for Community Financial Services Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. 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 Federal Reserve. 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 13.52% 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?
Community Financial Services Bank 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?
Community Financial Services Bank's Texas Ratio is 3.28% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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