Bank · FDIC insured
Community Financial Services Bank
A $1.4B bank headquartered in Benton, KY, with 8 branches in Kentucky. Best rates: CDs 4.17% and savings 0.10% APY.
Community Financial Services Bank Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#6 of 8 in Paducah, KY-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Community Financial Services Bank
Community Financial Services Bank was founded in 1890 and serves Western Kentucky.
The bank is headquartered in Benton, Kentucky.
- Headquarters
- 221 W 5th St, Benton, KY 42025
- FDIC certificate
- 287 ↗
Branches
8 branches in Kentucky
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Kentucky
8 branches
Benton area · 2
- Community Financial Services BankMain office221 W 5th St, Benton, KY 42025Directions
- Draffenville Banking Center Branch23 Us Highway 68 W, Benton, KY 42025Directions
Murray area · 2
- Calloway County Banking Center Branch1721 N 12th St, Murray, KY 42071Directions
- Calloway County Sycamore Banking Center414 S 12th St, Murray, KY 42071Directions
Paducah area · 2
- Mccracken County Banking Center - Park Avenue Branch3390 Park Ave, Paducah, KY 42001Directions
- Mccracken County Banking Center - Southside Branch2550 Irvin Cobb Dr, Paducah, KY 42003Directions
Calvert City area · 1
- Calvert City Banking Center Branch456 E 5th Ave, Calvert City, KY 42029Directions
Mayfield area · 1
- Graves County Banking Center Branch100 Dick Castleman Byp, Mayfield, KY 42066Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.33% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.42% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.04% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $80 | $88 | — |
- CapitalLeverage ratio10.33%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.42%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.04%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$80Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Community Financial Services Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.