Total Assets
$1.4B
Total balance-sheet footings
FDIC Cert #287 · Benton, Kentucky · Est. 1890
Community Financial Services Bank - FDIC Bank Health Profile
A community-scale look at Community Financial Services Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.4B
- Total assets
- A
- Health grade · Excellent
- 1.09%
- Return on assets
- 13.8%
- Tier 1 capital
Data updated July 2026
The verdict
Community Financial Services Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.77% Tier 1, profitable at 1.09% ROA, 63% efficiency ratio.
- #789
- largest of 4,313 FDIC banks by assets
- 82nd
- percentile by asset size, nationally
- 13.77%
- Tier 1 ratio - above the 10% well-capitalized line
- 49th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Community Financial Services Bank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community Financial Services Bank's composite health score
Tier 1 Capital Ratio (13.77%) 35/40
Return on Assets (ROA) (1.09%) 20/25
Texas Ratio (3.63%) 20/20
Efficiency Ratio (63.37%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.3B
Customer-funded liabilities
Net Loans
$955M
Outstanding loan book
Net Income
$15M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community Financial Services Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Financial Services Bank's score of 83/100 falls in the highlighted band.
Community Financial Services Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community Financial Services Bank's $1.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.77% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.77%
Texas Ratio
3.63%
Equity Capital
$110M
Profitability metrics
Return on Assets (ROA)
49th percentile nationally
1.09%
Return on Equity (ROE)
14.84%
Efficiency Ratio
63.37%
What the numbers say about Community Financial Services Bank
Community Financial Services Bank is an FDIC-insured institution (Certificate #287) headquartered in Benton, Kentucky, established in 1890. It holds $1.4B in total assets - 789th of 4,313 FDIC-insured banks, $1.3B in customer deposits, and $955M in net loans. Looking at capital strength, Tier 1 stands at 13.77%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.63%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kentucky, Community Financial Services Bank ranks 13th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$75M
Interest Income
$13M
Non-Interest Income
$36M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Financial Services Bank reports a Texas Ratio of 3.63% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.63% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Financial Services Bank (FDIC Cert #287) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Community Financial Services Bank's health grade?▼
Community Financial Services Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Community Financial Services Bank?▼
Community Financial Services Bank holds $1.4B in total assets and $1.3B in deposits, ranking 789th of 4,313 FDIC-insured banks by asset size. It is headquartered in Benton, Kentucky.
Is my money safe at Community Financial Services Bank?▼
Yes, deposits at Community Financial Services Bank (Certificate #287) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community Financial Services Bank's Tier 1 Capital Ratio?▼
Community Financial Services Bank has a Tier 1 Capital Ratio of 13.77%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Community Financial Services Bank?▼
Community Financial Services Bank has a Texas Ratio of 3.63%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community Financial Services Bank?▼
Community Financial Services Bank has an Efficiency Ratio of 63.37%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community Financial Services Bank's profile as a depositor or analyst.
- Community Financial Services Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community Financial Services Bank against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.