Community Financial Services Bank

Overview / Commentary
221 West Fifth Street
Benton, KY 42025

Community Financial Services Bank is headquartered in Benton and is the 9th largest bank in the state of Kentucky. It is also the 660th largest bank in the nation. It was established in 1890 and as of December of 2019, it had grown to 276 employees at 7 locations. Community Financial Services Bank has a B health rating.

Related Posts

Community Financial Services Bank Changes CD Specials, Different Lengths And Lower Rates - 7/22/2019

Community Financial Services Bank now lists a different set of terms and rates for their CD Specials. The current roster shows: 15 Month CD Special 2.49% APY 25 Month CD Special 2.69% APY 55 Month CD Special 2.99% APY Geographic qualifications aren't specifically stated, but recent deals were limited to residents of KY, TN, MO, IL, and IN, The prior offers of 19 month at 2.79%, 29 month at 3.19%, and 49 month at 3.39% are no longer displaying on their rates page.

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Reviews (7)

Great Experiece

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Pleasant and helpful people that value my business. If you want someone to do a transaction for you to save you the effort to do it yourself this is the bank for you, even will call you back and follow up.

Good Bank To Do Business With

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My wife and I have separate checking accounts and I have a CD with CFSB. Customer service, when I've needed it, has been very good. No problems, no complaints - I'd recommend them.

Awesome Bank!

I've had an account here for about two years and am pleased. This bank is strictly on-line for me. The checking and savings yields are fantastic (if you follow the protocols) as is the service if you need to speak with someone on the phone. If you are looking for yield and service with a decent web interface, I'd highly reccomend CFSB.

Field Of Accepted Membership Requirements

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Thank you for your interest in a Kasasa Cash account with Community Financial Services Bank (CFSB). We are currently accepting applications from residents of Kentucky, Illinois, Indiana, Missouri, and Tennessee. If you are moving to this area, we would love the chance to be your community bank! We will be happy to process an application if you already have property located in one the states listed above.
I rated 5 because the other guy did. I have no experience with this bank.

Community Financial Services Bank

Posted by: |

Easy to start a new account, great rewards checking interest 3%, and fantastic customer service. I've had this bank as my bank for the past 21 months, and they recently helped me with a chargeback, and that was all settled with a refund the next day.

Community Financial Services Bank - Good Experience

Posted by: |

I have opened a ‘CD Special’ with CFSB recently and would recommend giving them business. If you are in their market area and would like to hear of my smooth experience, you can find my post under DA’s archived bank deals blog dated 4.25.19.

Account Openings Have Eligibility Requirements

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Limited market area. See web site.


Health Grade Components

FDIC Certificate #287
Year Established1890
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD6.87%
Annual Interest Income$57.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$1.24B$1.17B
LoansQ4 2019vs Q4 2018$961.8MM$941.9MM
DepositsQ4 2019vs Q4 2018$1.12B$1.05B
Equity CapitalQ4 2019vs Q4 2018$114.0MM$105.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$12.8MM$10.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$31.5MM$13.8MM
Real Estate OwnedQ4 2019vs Q4 2018$1.3MM$1.1MM
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Community Financial Services Bank Savings Account Rates

1.00%-$30kKasasa Saver

Community Financial Services Bank Checking Account Rates

2.04%-$20kKasasa Cash

Community Financial Services Bank CD Rates

0.80%$1k-9 Month CD Special

Community Financial Services Bank IRA Rates

0.80%$1k-9 Month IRA Special
0.16%$25-12 Month Variable IRA

Community Financial Services Bank Locations
Calloway County Banking Center Branch1721 North 12th StreetMurray, KY 42071
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
Community Financial Services Bank221 West Fifth StreetBenton, KY 42025
Mccracken County Banking Center - So2550 Irvin Cobb DrivePaducah, KY 42003
Graves County Banking Center Branch100 Dick Castleman BypassMayfield, KY 42066
Calloway County Sycamore Banking Cen414 S 12th StreetMurray, KY 42071

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