B
Community Financial Services Bank
BentonKY
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Community Financial Services Bank
Benton, KY
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Rating B
Asset Quality Index 6.00
Capitalization Index 8.80
Liquidity Index 3.30
Profitability Index 4.60
Stability Index 6.10
Company Info Community Financial Services Bank
Benton, KY
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FDIC Number 287
Phone Number (270) 527-4600
Website www.cfsbky.com
Asset Quality Community Financial Services Bank
Benton, KY
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1-Year Asset Growth -0.50%
5-Year Asset Growth 3.41%
5-Year Charge-Offs to Average Loans 0.42%
Charge-Offs to Average Loans 0.31%
Non-Performing Assets to Assets 0.49%
Non-Performing Loans to Capital 4.19%
Non-Performing Loans to Loans 0.70%
Balance Sheet Community Financial Services Bank
Benton, KY
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Total Assets 1.40B
Total Deposits 1.26B
Capital and Reserves Community Financial Services Bank
Benton, KY
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Capital 107.56M
Leverage Ratio 10.17
Loan Loss Reserves to Loans 1.43%
Risk-Based Capital Ratio 14.92
Liquidity Community Financial Services Bank
Benton, KY
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Hot Money Ratio 19.69%
Liquidity Ratio 9.30%
Profitability Community Financial Services Bank
Benton, KY
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5-Year Return on Average Assets 0.65%
Net Income 11.70M
Net Interest Spread 3.30%
Operating Profit to Average Assets 1.27%
Overhead Efficiency Ratio 63.14%
Return on Assets 1.06%
Return on Equity 15.51%