Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

COMMUNITY FINL SERVICES BK

FDIC #287 · KY · period 20260630

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Total assets1,024,263-7.58% YoY

Total deposits877,131-9.77% YoY

Net loans and leases878,068-2.72% YoY

Return on assets0.98%+18.04% YoY

Return on equity10.68%+14.47% YoY

Net interest margin3.75%+4.46% YoY

Peer position

Return on assets33rdin line · n=902

Return on equity57thin line · n=894

Net interest margin43rdin line · n=902

Equity to assets10thopportunity · n=894

Noncurrent loans58thin line · n=887

Liquid assets55thin line · n=895

Brokered deposits51stin line · n=890

Loans to deposits71ststrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2017-06-30	1,024,263	877,131	878,068	0.98	10.68	3.75
2017-09-30	1,040,599	929,641	884,009	0.94	10.24	3.78
2017-12-31	1,063,530	961,210	872,997	0.78	8.55	3.76
2018-03-31	1,075,861	971,329	885,705	0.67	7.46	3.53
2018-06-30	1,108,228	972,148	902,633	0.83	9.33	3.59
2018-09-30	1,130,189	1,020,180	910,266	0.87	9.72	3.60
2018-12-31	1,172,130	1,048,910	941,878	1.01	11.27	3.63
2019-03-31	1,210,916	1,086,192	953,977	0.71	7.95	3.46
2019-06-30	1,249,390	1,129,376	978,172	0.79	8.78	3.50
2019-09-30	1,228,743	1,093,554	973,623	0.76	8.41	3.48
2019-12-31	1,237,784	1,117,954	961,042	0.58	6.34	3.45
2020-03-31	1,227,495	1,111,688	967,657	-1.90	-21.15	3.31
2020-06-30	1,335,364	1,213,259	998,327	-0.48	-5.49	3.31
2020-09-30	1,348,015	1,212,574	985,233	-0.01	-0.11	3.17
2020-12-31	1,381,419	1,246,172	946,077	0.29	3.21	3.10
2021-03-31	1,444,939	1,289,440	921,613	0.95	10.49	2.85
2021-06-30	1,450,132	1,291,232	916,442	0.85	9.24	2.82
2021-09-30	1,450,640	1,293,566	910,268	0.86	9.31	2.83
2021-12-31	1,448,748	1,294,571	891,301	0.86	9.21	2.89
2022-03-31	1,464,993	1,317,671	936,012	0.72	8.12	3.00
2022-06-30	1,429,153	1,306,378	966,312	0.91	10.88	3.15
2022-09-30	1,400,575	1,264,764	963,816	1.13	14.12	3.27
2022-12-31	1,401,542	1,296,989	966,297	1.04	13.46	3.29
2023-03-31	1,385,726	1,251,538	952,496	0.63	9.06	3.00
2023-06-30	1,372,181	1,225,121	945,557	0.65	9.35	2.96
2023-09-30	1,361,388	1,211,638	951,954	0.63	9.40	2.90
2023-12-31	1,392,541	1,241,071	946,162	0.60	8.85	2.87
2024-03-31	1,400,384	1,252,650	967,037	0.30	4.40	2.67
2024-06-30	1,387,204	1,241,088	954,921	0.40	5.82	2.72
2024-09-30	1,403,098	1,265,816	957,413	0.44	6.30	2.76
2024-12-31	1,449,113	1,311,569	955,784	0.55	7.73	2.86
2025-03-31	1,395,292	1,259,905	964,956	0.80	11.25	3.18
2025-06-30	1,395,200	1,250,939	972,287	0.85	12.01	3.28
2025-09-30	1,396,064	1,255,386	969,076	1.11	15.34	3.41
2025-12-31	1,410,476	1,274,703	954,983	1.09	14.84	3.45
2026-03-31	1,370,973	1,236,368	960,257	0.94	12.09	3.50
2026-06-30	1,371,632	1,226,605	965,574	1.04	13.01	3.61

Structure and branch footprint

8 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2001-07-14	1	976141	698144

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.