Community Financial Services Bank
Benton, KY
IDRSSD: 698144
Total Assets
$1.41B
Latest filing
Total Deposits
$1.27B
Latest filing
Net Interest Margin
3.61%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
083903328BENTON, KY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Community Financial Services Bank
221 W 5th St
Benton, KY 42025
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1890FDIC Certificate 231
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Community Financial Services Bank (Main) | 221 W 5th St | Benton, KY |
| DRAFFENVILLE BANKING CENTER BRANCH | 23 Us Highway 68 W | Benton, KY |
| MCCRACKEN COUNTY BANKING CENTER - PARK AVENUE BRANCH | 3390 Park Ave | Paducah, KY |
| CALLOWAY COUNTY BANKING CENTER BRANCH | 1721 N 12th St | Murray, KY |
| CALVERT CITY BANKING CENTER BRANCH | 456 E 5th Ave | Calvert City, KY |
| MCCRACKEN COUNTY BANKING CENTER - SOUTHSIDE BRANCH | 2550 Irvin Cobb Dr | Paducah, KY |
| GRAVES COUNTY BANKING CENTER BRANCH | 100 Dick Castleman Byp | Mayfield, KY |
| CALLOWAY COUNTY SYCAMORE BANKING CENTER | 414 S 12th St | Murray, KY |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1890 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42025 |
| State and County Number | 21157 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 227 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.yourlifeyourbank.com |
| Data Updated | 01/30/2026 |
| CERT | 287 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.41B |
| Total Deposits | $1.27B |
| Total Liabilities | $1.30B |
| Total Equity Capital | $109.66M |
| Net Income | $3.63M |
| Net Loans and Leases | $954.98M |
| Assets Per Employee ($Millions) | $6.21M |
| Bank Premises and Fixed Assets | $39.34M |
| Cash and Balances due from Depository Institutions | $71.10M |
| Deposits Held in Domestic Offices | $1.27B |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 13.37% |
| Net Interest Margin | 3.61% |
| Efficiency Ratio | 64.07% |
| Tier 1 Risk-Based Capital Ratio | 13.768% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.775% |
| Earning Assets to total Assets | 91.27% |
Income and Expense
| Total Interest Income | $18.63M |
| Total Noninterest Income | $3.00M |
| Total Interest Expense | $7.10M |
| Total Noninterest Expense | $9.31M |
| Net Interest Income | $11.53M |
| Pre-tax Net Operating Income | $4.42M |
| Provision for Credit Losses | $800.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.12M |
| Total Liabilities and Capital | $1.41B |
Securities
| Securities | $283.67M |
| Available-for-sale debt securities | $273.14M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $10.36M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Community Financial Services Bank?
$1.41B as of the latest filing.
How much are Community Financial Services Bank's total deposits?
$1.27B in total deposits.
Where is Community Financial Services Bank located?
Benton, KY.
What is the Net Interest Margin?
3.61%.
How many domestic offices does it operate?
8.
When was it established?
01/01/1890.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$954.98M (latest filing).
What is the total interest income (latest filing)?
$18.63M.