Community Financial Services Bank: how it compares with its peers
Against 20 KY banks with half to twice its assets, Community Financial Services Bank's strongest measure in Q2 2026 is assets per employee ($6.0M vs. a $6.4M peer median). Its weakest relative measure is efficiency ratio (67.36% vs. 55.83%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.04% | 1.37% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.61% | 3.94% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.36% | 55.83% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.4M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.72% | 78.48% | Context |
What it means for lending operations
Its efficiency ratio of 67.36% is above the 55.83% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Southern National Bank Lancaster, KY · $1.28B
- Edmonton State Bank Glasgow, KY · $1.15B
- The Cecilian Bank Cecilia, KY · $1.59B
- Forcht Bank, National Association Lexington, KY · $1.65B
- The Monticello Banking Company Monticello, KY · $1.07B
- The Paducah Bank and Trust Company Paducah, KY · $1.07B
Questions about Community Financial Services Bank
How big is Community Financial Services Bank?
Community Financial Services Bank, established in 1890, is headquartered in Benton, KY. It reported $1.37B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Community Financial Services Bank's return on assets?
1.04% annualized in Q2 2026, against a 1.37% median for 20 KY banks with half to twice its assets, ahead of 20% of them.
What is Community Financial Services Bank's efficiency ratio?
67.36% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 55.83%, and lower is better.
Is Community Financial Services Bank growing its loans?
Net loans shrank 0.7% over the year to Q2 2026, while deposits shrank 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.