TellerScore

Community Financial Services Bank (FDIC certificate #287) is based in Benton, Kentucky. Its Q2 2026 call report shows $1.4B in total assets and $1.2B in deposits and 8 offices.

Community Financial Services Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 70th. Problem-loan coverage contributes the most (93/100, 3.3%); capital cushion contributes the least (53/100, 10.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.33%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.42%
Earnings61/100
Return on assets (annualized): 1.04%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 78.7% · 21.3% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (63 → 70), mostly because the loan quality component improved by 17 points.

TellerScore
616671Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202463
Q4 202464
Q1 202563
Q2 202563
Q3 202568
Q4 202571
Q1 202668
Q2 202670
Tier 1 leverage ratio
5.00%7.67%10.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.65%
Q3 20249.82%
Q4 20249.65%
Q1 20259.76%
Q2 20259.87%
Q3 202510.17%
Q4 202510.08%
Q1 202610.21%
Q2 202610.33%
Noncurrent loans
0.42%0.68%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.65%
Q3 20240.59%
Q4 20240.59%
Q1 20250.83%
Q2 20250.93%
Q3 20250.70%
Q4 20250.46%
Q1 20260.57%
Q2 20260.42%
Return on assets
0.40%0.75%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.40%
Q3 20240.44%
Q4 20240.55%
Q1 20250.80%
Q2 20250.85%
Q3 20251.11%
Q4 20251.09%
Q1 20260.94%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.4B10.33%0.42%1.04%78.7%
Q1 202668$1.4B10.21%0.57%0.94%77.7%
Q4 202571$1.4B10.08%0.46%1.09%74.9%
Q3 202568$1.4B10.17%0.70%1.11%77.2%
Q2 202563$1.4B9.87%0.93%0.85%77.7%
Q1 202563$1.4B9.76%0.83%0.80%76.6%
Q4 202464$1.4B9.65%0.59%0.55%72.9%
Q3 202463$1.4B9.82%0.59%0.44%75.6%
Q2 202461$1.4B9.65%0.65%0.40%76.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.33%
46th
Total risk-based capital14.77%
64th
Problem loans0.42%
57th
Net charge-offs0.23%
17th
Return on assets1.04%
33rd
Net interest margin3.61%
43rd
Efficiency ratio67.4%
27th
Loans to deposits78.7%
71st
Uninsured deposits21.3%
80th
Loan-loss reserves1.32%
72nd
Texas ratio3.3%
53rd

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
First Southern National BankBank Lancaster, KY68 out of 100, Moderate$1.3B10.8%0.61%vs
Edmonton State BankBank Glasgow, KY82 out of 100, Strong$1.2B11.5%0.32%vs
The Cecilian BankBank Cecilia, KY77 out of 100, Strong$1.6B11.0%0.40%vs
Forcht Bank, National AssociationBank Lexington, KY66 out of 100, Moderate$1.6B8.2%0.05%vs
The Monticello Banking CompanyBank Monticello, KY71 out of 100, Strong$1.1B10.2%0.11%vs
The Paducah Bank and Trust CompanyBank Paducah, KY79 out of 100, Strong$1.1B10.6%0.19%vs

Deposit insurance

Is my money safe at Community Financial Services Bank?

Yes. Community Financial Services Bank is an FDIC-insured institution (FDIC certificate #287). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.3% of deposits ($261.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.77% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Community Financial Services Bank lists 8 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Financial Services Bank reported 489 home-loan applications under HMDA (LEI 54930002HD26G3OGZR79): 358 originated ($88,430,000 total), 38 denied, and 34 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Community Financial Services Bank
Former names
Bank of Benton
Type
State-chartered bank (Fed member)
FDIC certificate #
287
RSSD ID
698144
Primary regulator
FED
Holding company
Community Finl Services Employee Stk Ownership Plan
Established
January 1, 1890
Headquarters
221 W 5th St, Benton, KY 42025
Employees
227

Quick answers

Community Financial Services Bank: common questions

Is Community Financial Services Bank FDIC insured?

Yes. Community Financial Services Bank is an FDIC-insured institution (FDIC certificate #287). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Financial Services Bank's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community Financial Services Bank ever failed?

There is no failure record for FDIC certificate #287 in the FDIC failed bank list.

How many branches does Community Financial Services Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Benton

InstitutionScoreAssetsCapitalProblem loansCompare
C-Plant Federal Credit UnionCredit union Paducah, KY92 out of 100, Very strong$365.9M14.7%0.16%vs
Signet Federal Credit UnionCredit union Paducah, KY82 out of 100, Strong$398.2M16.6%1.07%vs
The Paducah Bank and Trust CompanyBank Paducah, KY79 out of 100, Strong$1.1B10.6%0.19%vs
Farmers Bank and Trust CompanyBank Princeton, KY76 out of 100, Strong$247.8M9.5%0.04%vs
Bank of Cadiz and Trust CompanyBank Cadiz, KY74 out of 100, Strong$142.9M9.1%0.00%vs
Main Impact Federal Credit UnionCredit union Murray, KY74 out of 100, Strong$23.3M10.5%0.03%vs