Community Finl Services Bk (FDIC #287): Bank Stress & Real-Estate Credit Exposure

Community Finl Services Bk (FDIC Cert #287): bank stress 76/100, severe, STABLE over 7 days; parent COMMUNITY FINL SERVICES EMPLOYEE STK OWNERSHIP PLAN.

Community Finl Services Bk (#287) lends in 4 counties across 1 state; Community Finl Services Bk (#287) reaches 27 ZIP codes: Kentucky 4 counties, 27 ZIPs.

Community Finl Services Bk (#287) largest markets: Graves County, KY (18 branches, 18 ZIPs) (#287), Calloway County, KY (20 branches, 10 ZIPs) (#287), Marshall County, KY (24 branches, 8 ZIPs) (#287), Mccracken County, KY (14 branches, 7 ZIPs) (#287).

Community Finl Services Bk (#287) reports $1.37 billion in total assets; Community Finl Services Bk (#287) equity $113.4 million (8.3% of Community Finl Services Bk (#287) assets); Community Finl Services Bk (#287) domestic deposits $1.23 billion; Community Finl Services Bk (#287) net income $7.2 million; Community Finl Services Bk (#287) return on assets 1.04%; Community Finl Services Bk (#287) return on equity 13.01%; Community Finl Services Bk (#287) net interest income $22.7 million; Community Finl Services Bk (#287) call report June 30, 2026.

Community Finl Services Bk (#287) noncurrent real-estate loans 0.06% of its book; Community Finl Services Bk (#287) multifamily 0.83%; Community Finl Services Bk (#287) net charge-offs on real estate 0.37%; Community Finl Services Bk (#287) residential charge-offs 0.47%.

Community Finl Services Bk (#287) net interest margin 3.61% against an eight-quarter Community Finl Services Bk (#287) average of 3.26% (Community Finl Services Bk (#287) compression -0.35 points); Community Finl Services Bk (#287) real-estate loans 5.6% of equity; Community Finl Services Bk (#287) non-residential real estate 47.2% of equity; Community Finl Services Bk (#287) rate-exposure score 40/100, Community Finl Services Bk (#287) fixed-rate trap 40/100; Community Finl Services Bk (#287) risk type credit driven; Community Finl Services Bk (#287) rate regime rates elevated, Community Finl Services Bk (#287) snapshot October 19, 2026.

Community Finl Services Bk (#287) stress score moved from 77.8 on June 22, 2026 to 75.9 on October 19, 2026; Community Finl Services Bk (#287) ranged 75.9 to 77.8 over 116 snapshots.

Community Finl Services Bk (#287) alerts: 4 counties; top Community Finl Services Bk (#287) alert scores: Calvert City County, KY 25 (low); Mayfield County, KY 25 (low); Murray County, KY 25 (low); Paducah County, KY 25 (low).