🏦Bank Scorer

COMMUNITY FINANCIAL SERVICES BANK

BENTON, KY · Supervised by FDIC

Est. 1890FDIC #287RSSD: FDIC-287
Part ofCOMMUNITY FINL SERVICES EMPLOYEE STK OWNERSHIP PLAN→ View all charters
Outstanding Same

Current rating · Exam: February 2017

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.94%

Institution Profile

FDIC BankFind

Address

221 W 5th St, BENTON, KY

County

Marshall County

Established

January 1, 1890

Total Assets

$1.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 2017

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.2B

Net Loans

$960M

Net Income

$3M

ROA

0.94%

ROE

12.09%

Risk-Based Capital

14.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$1.3B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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