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Community Financial Services Bank


ACH Number: 83903328

Community Financial Services Bank is an FDIC insured institution headquartered at 221 W 5th St, Benton, KY 42025.
It was founded in 1890 and has approximately $1 billion in assets. Customers can open an account at one of its 6 branches.

Deposit Rates - April 26, 2026

SAVINGS RATES APY MIN
SAV
0.10% $10,000 Compare
SAV
1.05% $50,000 Compare
CD RATES APY MIN
7 Mo CD
3.69% $1,000 Compare
14 Mo CD
3.49% $1,000 Compare
21 Mo CD
0.05% $1,000 Compare
FIXED IRA RATES APY MIN
7 Mo FIRA
3.69% $1,000
14 Mo FIRA
3.49% $1,000
21 Mo FIRA
3.57% $1,000
INT CHECKING RATES APY MIN
INTCK
0.15% $25,000




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 287
Date Established 1890
Assets $ 1,410.48 million
Loans $ 954.98 million
Deposits $ 1,274.70 million
Capital $ 109.66 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 71.10 million
Interest-bearing balances $ 48.71 million
Total securities $ 283.67 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 954.98 million
Loan loss allowance $ 13.30 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.33 million
All other assets $ 65.14 million
     Total Assets $ 1,300.82 million

LIABILITIES
Total deposits $ 1,274.70 million
      Interest-bearing deposits $ 1,090.89 million
      Deposits held in domestic offices $ 1,274.70 million
      % insured (estimated)" 80.92%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 6.44 million
Subordinated debt N.A.
All other liabilities $ 11.59 millionn
      Total Liabilities $ 1,300.82 million
      Shareholders’ Equity $ 109.66 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 74.52 million
Total Interest Expense $ 30.38 million
Net interest income $ 44.14 million
Provision for loan and lease losses $ 2.15 million
Total non interest income $ 13.41 million
Total non interest expense $ 36.47 million
Pre-tax Net Operating Income $ 8.02 million

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