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Community Financial Services Bank

Popular Accounts at this Bank

2.25%Reward CheckingKasasa Cash
1.00%Reward SavingsKasasa Saver
2.16%5-year IRA55 Month IRA Special

Overview / Commentary
221 West Fifth Street
Benton, KY 42025

Community Financial Services Bank is headquartered in Benton and is the 12th largest bank in the state of Kentucky. It is also the 761st largest bank in the nation. It was established in 1890 and as of March of 2017, it had grown to 197 employees at 5 locations. Community Financial Services Bank has a B+ health rating.

Related Posts

Community Financial Services Bank Has 55-Month Bump Up CD - 12/22/2016

Community Financial Services Bank is offering a 55-month Bump Up CD Special (2.16% APY), which permits two rate increases. Minimum deposit is $10k. Also as IRA.

55 Month 2.16% "Raise Your Rate" Special - 12/21/2016

CFSB is offering a 55 month certificate paying 2.16% with the option to raise the rate 2 times during the term.   The deal is viewable on their "Rates" page here:  Rates | CFSB | Benton, KY - Murray, KY - Paducah, KY - Calvert City, KY.

Community Financial Services Bank (KY) Offers Competitive Kasasa Cash - 6/30/2016

Community Financial Services Bank's Kasasa Cash (2.25% APY, up to $20k) is available in Kentucky, Indiana, Illinois, Missouri, and Tennessee.

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Reviews (5)

Good Bank To Do Business With

Posted by: tbradnc | Dec 27, 2016

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

Posted by: kiwi | Feb 6, 2016

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: grnbsh | Sep 12, 2015

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.

Account Openings Have Eligibility Requirements

Posted by: CBR | Jan 27, 2017

Limited market area. See web site.


Health Grade Components

FDIC Certificate #287
Year Established1890
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD10.99%
Annual Interest Income$10.7MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$985.8MM$866.1MM
LoansQ1 2017vs Q1 2016$847.7MM$719.8MM
DepositsQ1 2017vs Q1 2016$858.7MM$779.3MM
Equity CapitalQ1 2017vs Q1 2016$91.2MM$81.2MM
Loan Loss AllowanceQ1 2017vs Q1 2016$8.8MM$8.3MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$14.0MM$5.5MM
Real Estate OwnedQ1 2017vs Q1 2016$449.00K$318.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Financial Services Bank Savings Account Rates

1.00%*-$30kKasasa Saver
OTHER TIERS: 0.50% $30k+

Community Financial Services Bank Checking Account Rates

2.25%*-$20kKasasa Cash
OTHER TIERS: 0.50% $20k+

Community Financial Services Bank CD Rates

2.16%$10k-55 Months Rising Rate CD Special
1.86%$1k-35 Month CD Special
1.41%$1k-60 Month CD
1.05%$1k-15 Month CD Special
0.95%$1k-48 Month CD
0.60%$1k-36 Month CD
0.30%$1k-24 Month CD
0.20%$1k-12 Month CD
0.10%$1k-182 Day CD

Community Financial Services Bank IRA Rates

2.16%$10k-55 Month IRA Special
2.16%$10k-55 Month RR IRA Special
1.86%$1k-35 Month IRA Special
1.86%$1k-35 Month CESA Special
1.41%$1k-60 Month IRA
1.41%$1k-60 Month CESA
1.05%$1k-15 Month IRA Special
1.05%$1k-15 Month CESA Special
1.01%$25-12 Month Variable IRA
1.01%$25-12 Month Variable CESA
0.95%$1k-48 Month IRA
0.95%$1k-48 Month CESA
0.60%$1k-36 Month IRA
0.60%$1k-36 Month CESA
0.30%$1k-24 Month IRA
0.30%$1k-24 Month CESA
0.10%$1k-182 Day IRA
0.10%$1k-182 Day CESA

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