BlastPoint's Banking Scorecard
Community Financial Services Bank
Designations: ✓ Community bank
Benton, KY
8 branches across KY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
- Deposits -1.9% year over year ($1.2B on the books).
- Delinquency rate 0.43%.
- Return on assets 1.04%.
- Efficiency ratio 67.36% vs a 59.73% peer average.
- Loan-to-deposit ratio 78.72% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Financial Services Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 15.4% in tier
- - ROA 0.36% below tier average
- - Net Interest Margin 0.26% below tier average
- - Efficiency Ratio 7.63% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-1.7% YoY
+0.0% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$965.6M
-0.7% YoY
+0.6% QoQ
|
-$997.6M |
$2.0B
-0.3% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$1.2B
-1.9% YoY
-0.8% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
33% |
| Return on Assets ? |
1.04%
+22.2% YoY
+9.7% QoQ
|
-0.36% |
1.39%
+17.0% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
3.61%
+9.9% YoY
+3.0% QoQ
|
-0.26% |
3.87%
+6.2% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
67.36%
-5.7% YoY
-3.1% QoQ
|
+7.63% |
59.73%
-12.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.43%
-54.5% YoY
-25.5% QoQ
|
-0.44% |
0.87%
+11.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
78.72%
+1.3% YoY
+1.4% QoQ
|
-6.32% |
85.04%
-0.1% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
16.65%
+5.8% YoY
+5.7% QoQ
|
-4.62% |
21.27%
-1.5% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.30%
-54.0% YoY
-25.1% QoQ
|
-0.37% |
0.67%
+11.7% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
13.52%
+4.7% YoY
+0.4% QoQ
|
-1.32% |
14.84%
-0.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.45%
+18.0% YoY
+122.2% QoQ
|
-0.08% |
0.53%
+2.5% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
76% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.6%
+0.9pp YoY +0.9pp QoQ |
-4.7pp | 21.4% | 23.5% | 22.2% | 33% |
| Brokered Deposits |
1.5%
-18.9pp YoY 0.0pp QoQ |
-8.0pp | 9.5% | 5.4% | 8.5% | 23% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.2%
+2.2pp YoY +1.2pp QoQ |
-1.8pp | 14.0% | 8.6% | 12.5% | 56% |
| CRE |
26.6%
-0.3pp YoY -0.5pp QoQ |
-23.4pp | 50.0% | 37.1% | 41.4% | 10% |
| 1-4 Family |
31.6%
+2.4pp YoY +0.1pp QoQ |
+5.2pp | 26.4% | 41.6% | 31.3% | 69% |
| Consumer |
20.7%
-7.5pp YoY -1.6pp QoQ |
+16.0pp | 4.7% | 4.8% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.5%
+0.6pp YoY 0.0pp QoQ |
-2.1pp | 15.6% | 20.2% | 19.7% | 50% |
| Leverage Ratio |
10.3%
+0.5pp YoY +0.1pp QoQ |
-1.0pp | 11.3% | 14.0% | 12.6% | 45% |
| Total Capital Ratio |
14.8%
+0.6pp YoY +0.1pp QoQ |
-1.9pp | 16.7% | 21.3% | 20.8% | 52% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
227
+1 (+0.4%) YoY +1 (+0.4%) QoQ |
-87 | 313 | 105 | 482 | 47% |
| Assets per Employee ($) |
$6.0M
-2.1% YoY -0.4% QoQ |
-$4.4M | $10.5M | $6.3M | $8.8M | 12% |
| Branch Count |
8
0 YoY 0 QoQ |
-12 | 20 | 8 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.5pp YoY -0.1pp QoQ |
-0.4pp | 0.8% | 0.8% | 1.0% | 43% |
| Allowance Coverage |
3.11x
+96.8% YoY +32.0% QoQ |
-15.60x | 18.71x | 7.45x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 0.3% | 0.1% | 0.2% | 82% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
+1.0pp YoY +0.9pp QoQ |
+0.4pp | 12.6% | 13.3% | 11.6% | 57% |
| Cost of Funds (YTD) |
2.0%
-0.4pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.7% | 1.7% | 60% |
| Net Income ($, YTD) |
$7.2M
+19.7% YoY — QoQ |
-$12.1M | $19.2M | $5.1M | $40.4M | 24% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.