$973M
−0.7%y/y
Percentile by value41st percentileby value
FDIC
LNLSGRCF
Community Financial Services Bank
Benton, KentuckyFDIC Cert #287
STATEEstablished 18908 branches
Holding company: COMMUNITY FINL SERVICES EMPLOYEE STK OWNERSHIP PLANRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $120M |
| Investor CRE | $65.3M |
| Multifamily | $38.3M |
| Construction | $37.1M |
| 1–4 family | $302M |
| C&I | $106M |
| Agriculture | $45.5M |
| Other | $259M |
Loan book
Reported balances and balance-sheet intensity.
$960M
−0.5%y/y
Percentile by value41st percentileby value
FDIC
LNLSNET−0.49%
−126.3%y/y
Percentile by value14th percentileby value
FDIC
LNLSNET77.7%
+1.4%y/y
Percentile by value30th percentileby value
FDIC
LNLSNET + DEP70.0%
+1.3%y/y
Percentile by value42nd percentileby value
FDIC
LNLSNET + ASSET62.30%
+8.3%y/y
Percentile by value11th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
88%
−4.2%y/y
Percentile by value10th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC23%
−4.0%y/y
Percentile by value23rd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,330points
+21.4%y/y
Peer standing94th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD12.29%
+6.3%y/y
Percentile by value51st percentileby value
FDIC
LNRENROW + LNLSGR6.71%
−2.7%y/y
Percentile by value11th percentileby value
FDIC
LNRENROT + LNLSGR10.93%
+13.3%y/y
Percentile by value53rd percentileby value
FDIC
LNCI + LNLSGR