Community Financial Services Bank
Benton, KY
IDRSSD: 698144
Total Assets
$1.40B
Latest filing
Total Deposits
$1.26B
Latest filing
Net Interest Margin
3.67%
Profitability
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 11/14/2025Established 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 | 226 |
| 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 | 11/14/2025 |
| CERT | 287 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.40B |
| Total Deposits | $1.26B |
| Total Liabilities | $1.29B |
| Total Equity Capital | $107.56M |
| Net Income | $5.71M |
| Net Loans and Leases | $969.08M |
| Assets Per Employee ($Millions) | $6.15M |
| Bank Premises and Fixed Assets | $39.75M |
| Cash and Balances due from Depository Institutions | $42.64M |
| Deposits Held in Domestic Offices | $1.26B |
Key Performance Ratios
| Return on Assets (ROA) | 1.64% |
| Return on Equity (ROE) | 22.48% |
| Net Interest Margin | 3.67% |
| Efficiency Ratio | 50.03% |
| Tier 1 Risk-Based Capital Ratio | 13.669% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.28% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.704% |
| Earning Assets to total Assets | 90.95% |
Income and Expense
| Total Interest Income | $19.11M |
| Total Noninterest Income | $5.09M |
| Total Interest Expense | $7.50M |
| Total Noninterest Expense | $8.36M |
| Net Interest Income | $11.61M |
| Pre-tax Net Operating Income | $7.37M |
| Provision for Credit Losses | $975.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $24.98M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.14M |
| Total Liabilities and Capital | $1.40B |
Securities
| Securities | $281.76M |
| Available-for-sale debt securities | $271.23M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$1.40B as of the latest filing.
How much are Community Financial Services Bank's total deposits?
$1.26B in total deposits.
Where is Community Financial Services Bank located?
Benton, KY.
What is the Net Interest Margin?
3.67%.
How many domestic offices does it operate?
8.
When was it established?
01/01/1890.
What is the Return on Assets (ROA)?
1.64%.
How much are total loans and leases?
$969.08M (latest filing).
What is the total interest income (latest filing)?
$19.11M.