BlastPoint's Banking Scorecard
Community Financial Services Bank
Designations: ✓ Community bank
Benton, KY
8 branches across KY
Community Financial Services Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.31% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 12.7% in tier
- - ROA 0.42% below tier average
- - Net Interest Margin 0.31% below tier average
- - Efficiency Ratio 8.47% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-1.7% YoY
-2.8% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$960.3M
-0.5% YoY
+0.6% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$1.2B
-1.9% YoY
-3.0% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
0.94%
+17.2% YoY
-13.3% QoQ
|
-0.42% |
1.37%
+19.6% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
3.50%
+10.2% YoY
+1.5% QoQ
|
-0.31% |
3.82%
+6.9% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
41% |
| Efficiency Ratio ? |
69.53%
-3.8% YoY
+9.7% QoQ
|
+8.47% |
61.06%
-4.6% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
0.58%
-31.8% YoY
+23.1% QoQ
|
-0.31% |
0.89%
+14.1% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
77.67%
+1.4% YoY
+3.7% QoQ
|
-6.54% |
84.20%
+0.3% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
15.74%
+3.5% YoY
+9.2% QoQ
|
-5.55% |
21.29%
-2.5% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.40%
-31.5% YoY
+27.4% QoQ
|
-0.27% |
0.67%
+15.6% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
53% |
| Tier 1 Capital Ratio ? |
13.47%
+3.6% YoY
-2.2% QoQ
|
-1.69% |
15.16%
+2.0% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.20%
+10.0% YoY
-78.7% QoQ
|
-0.06% |
0.26%
+1.6% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
72% |
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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.