Advertisement
Community Financial Services Bank
Benton, KY · FDIC Certificate #287 · Chartered 01/0
Total assets
$1.37B
Total deposits
$1.23B
Total equity
$113.42M
Net loans
$965.57M
Branches (offices)
8
Net income (YTD)
$7.17M
Rank: #804 of 4,213 U.S. banks by assets · #13 of 120 in Kentucky. Assets changed -1.7% and deposits -1.9% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 13.01% |
| Net interest margin (YTD) | 3.61% |
| Equity to assets | 8.27% |
| Tier 1 leverage ratio | 10.33% |
| Uninsured deposits (share of deposits) | 21.3% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 78.7% |
| Real estate loans (share of loans) | 63.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $611.78M | 63.4% | |
| Commercial & industrial | $118.27M | 12.2% | |
| Consumer / individual | $199.81M | 20.7% | |
| Construction & development | $34.71M | 3.6% | |
| Agricultural | $2.21M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.43B | $1.31B | $6.61M | $104.74M |
| Jun 2023 | $1.37B | $1.23B | $4.50M | $96.21M |
| Jun 2024 | $1.39B | $1.24B | $2.81M | $96.04M |
| Jun 2025 | $1.40B | $1.25B | $5.99M | $95.63M |
| Jun 2026 | $1.37B | $1.23B | $7.17M | $113.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $1.23B | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.23B.
Similar-sized banks
The Bank Of New York Mellon Trust Company, National Association ($1.37B) · Southstar Bank, S.S.B. ($1.37B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement