Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$752M
Total Deposits
$648M
Net Loans
$475M
Net Income
$293K
ROA
0.16%
Below avg for Small banks. Peer avg: 0.44%
ROE
1.55%
Risk-Based Capital
20.63%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 271 | 72.32% | 12.92% |
| 2023 | 199 | 69.35% | 14.07% |
| 2022 | 397 | 86.9% | 5.29% |
| 2021 | 403 | 82.13% | 10.42% |
| 2020 | 321 | 78.19% | 14.33% |
| 2019 | 195 | 76.92% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Nov 2023 | Satisfactory | Intermediate Small Bank |
| Feb 2020 | Needs to Improve | Intermediate Small Bank |
| Apr 2017 | Satisfactory | Intermediate Small Bank |
1 previous rating locked — back to 2014
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
10
Branch Deposits
$717M
1-Year Change
0
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/cfsbank" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 2018 | 205 | 80.49% | 16.10% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red