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P.O. BOX 467
Benton, KY 42025

Community Financial Svcs Bank is headquartered in Benton and is the 18st largest bank in the state of Kentucky. It is also the 1,039th largest bank in the nation. It was established in 1890 and as of March of 2014, it had grown to 171 employees at 6 locations. Community Financial Svcs Bank's savings rates are 92% higher than the national average, and it has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community Financial Svcs Bank had $6.74 million in non-current loans and owned real-estate with $67.22 million in equity and loan loss allowances on hand to cover it. This gives Community Financial Svcs Bank a Texas Ratio of 10.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Financial Svcs Bank experienced no significant changes from 7.11% as of March 31, 2013 to 10.03% as of March 31, 2014, resulting in a negative change of 41.15%. This indicates that the balance sheet and financial strength for Community Financial Svcs Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Community Financial Svcs Bank has increased its total deposits by $50.45 million, resulting in 9.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Financial Svcs Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Financial Svcs Bank has $656.39 million in assets with $67.22 million in equity, resulting in a capitalization level of 10.24%, which is above average.

Institution Statistics

FDIC Certificate #287
Year Established1890
Primary RegulatorFDIC
Assets and Liabilities
Assets$656.39 million
Loans$536.04 million
Deposits$577.49 million
Equity Capital$60.68 million
Loan Loss Allowance$6.53 million
Unbacked Noncurrent Loans$6.14 million
Real Estate Owned$604,000
Historic Data - March 2013
Assets$603.56 million
Equity Capital$57.41 million
Loan Loss Allowance$7.61 million
Unbacked Noncurrent Loans$6.14 million
Real Estate Owned$160,000
Profit Margin - Quarterly
Net Interest Margin4.2%
Return on Assets1.01%
Return on Equity10.96%
Interest Income$7.43 million
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Community Financial Svcs Bank Savings Account Rates

1.00%-$30kKasasa Saver - Qualifying
0.05%--Kasasa Saver - Non Qualifying

Community Financial Svcs Bank Checking Account Rates

3.05%-$20kKasasa Cash - Qualifying
0.05%--Kasasa Cash - Non Qualifying

Community Financial Svcs Bank CD Rates

1.88%$1k-59 Month CD Speical
1.47%$100k-60 Month CD
1.15%$100k-48 Month CD
1.11%$1k-21 Month CD
0.85%$100k-36 Month CD
0.75%$100k-30 Month CD
0.70%$100k-24 Month CD
0.35%$100k-18 Month CD
0.30%$100k-12 Month CD
0.25%$1k-182 Day CD
0.15%$1k-91 Day CD
0.10%$1k-31 Day CD

Community Financial Svcs Bank IRA Rates

1.88%$1k-59 Month IRA Special
1.47%$100k-60 Month IRA
1.15%$100k-48 Month IRA
1.11%$1k-21 Month IRA
0.85%$100k-36 Month IRA
0.75%$100k-30 Month IRA
0.70%$100k-24 Month IRA
0.35%$100k-18 Month IRA
0.30%$100k-12 Month IRA
0.25%$1k-182 Day IRA
0.12%$500-12 Month Variable IRA

Community Financial Svcs Bank Locations
Calloway County Banking Center Branch1721 North 12th StreetMurray, KY 42071
Benton Banking Center Branch221 West Fifth StreetBenton, KY 42025
Draffenville Banking Center Branch23 Highway 68 WestBenton, KY 42025
Mccracken County Banking Center Branch3390 Park AvenuePaducah, KY 42001
Calvert City Banking Center Branch456 5th AvenueCalvert City, KY 42029