MASHINIi

CFSB Bancorp, Inc..

CFSB.US | Other monetary intermediation

CFSB Bancorp, Inc. operates as the holding company for CFSB, a community bank providing financial services to individuals and businesses. The bank offers a range of deposit products, including checking, savings, and money market accounts, as well as certificates of deposit. Its lending portfolio inc...Show More

Ethical Profile

Mixed.

CFSB Bancorp, Inc. demonstrates a strong commitment to its employees, earning "Best Place to Work in Kentucky" for six consecutive years through 2025. This is reinforced by a stable 14.6% employee turnover rate and CEO compensation reportedly below the average for similar-sized U.S. companies. Approximately 75-80% of staff are covered by employer health plans. Environmentally, the bank provided a $315,000 grant for a kelp restoration project, and reports suggest 41.6% renewable energy usage, though comprehensive data on its overall environmental strategy is limited. Information on other ethical areas, including fair money, honest business practices, and supply chain ethics, is largely unavailable.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect20
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business-20
-100100
Respect for Cultures & Communities-20
-100100
Safe & Smart Tech10
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

CFSB.US operates as a community bank providing financial services, such as deposit products and various loans.

1
Its core business activities do not directly involve health-related products or services, resulting in a neutral or not applicable impact across all health-related KPIs. The provided articles consistently indicate that information regarding health impact, harmful revenue, safety records, price accessibility, vulnerable population reach for health needs, risk transparency for health, health innovation investment, health externalities, health equity programs, healthcare workforce support, preventative health measures, healthcare data responsibility, global health crisis response, mental health initiatives, pharma patent flexibility, nutrition and food safety, healthcare education, addiction mitigation, or clinical trial ethics is either not applicable to the company's operations or not available in the provided data.
2

Fair Money & Economic Opportunity

0

No evidence available to assess CFSB Bancorp, Inc. on Fair Money & Economic Opportunity.

Fair Pay & Worker Respect

20

CFSB has been recognized as one of Kentucky’s Best Places to Work for six consecutive years, including being ranked in 2025 for medium-sized employers.

1
Glassdoor reviews show an overall rating of 4.7 out of 5, with 94% recommending the company to a friend, 93% having a positive business outlook, and a 4.8 out of 5 rating for culture and values.
2
The voluntary employee turnover rate is 14.6%.
3
While one Glassdoor review mentions benefits as a 'pro', there is no specific percentage for health insurance coverage.
4
Indeed.com reviews, however, present a lower overall rating of 3.1 out of 5, with some employees citing poor pay, poor management, lack of growth opportunities, microaggressions, and nepotism.
5
One review mentions being fired on the day of receiving a COVID shot after being given an exemption, but this is a single anecdotal claim and not a substantiated labor-law violation.
6

Fair Trade & Ethical Sourcing

0

No evidence available to assess CFSB Bancorp, Inc. on Fair Trade & Ethical Sourcing.

Honest & Fair Business

0

No specific, concrete data points for CFSB.US (CFSB Bancorp, Inc.) were found in the provided articles for any of the KPIs.

1
pertains to 'the Foundation' and its Form 990 non-profit tax return, which is a separate entity from the bank holding company CFSB.US.
2
explicitly states that no SEC filings or data are available for CFSB.US.
3

Kind to Animals

0

No evidence available to assess CFSB Bancorp, Inc. on Kind to Animals.

No War, No Weapons

0

No specific, concrete data points related to CFSB.US's involvement in arms manufacturing, military contracts, conflict facilitation, or peacebuilding initiatives were found in the provided articles. The articles discuss a merger agreement, CFPB enforcement actions against other lenders for Military Lending Act violations, and a new law impacting defense contractors, none of which provide direct evidence for CFSB.US against the 'No War, No Weapons' KPIs.

1

Planet-Friendly Business

-20

CFSB.US sources 41.6% of its operational energy consumption from renewables.

1

Respect for Cultures & Communities

-20

CFSB has established at least three formal partnership agreements with local community groups: with Paducah Sports Park, the Discover Debit program for School Resource Centers, and the City of Paducah for the Southside Revitalization Plan.

1
The company donated $10,000 to The Hotel Metropolitan in November 2022, a museum of African American heritage, which supports its restoration and maintenance.
2
CFSB also partners with the City of Paducah on the Southside Revitalization Plan, which aims to preserve the area's history.
3
The company provided a $2 million gift to Murray State University and has donated several million dollars to the university over the years for various academic and athletic initiatives.
4
Additionally, CFSB awards 20 local high school students with $1,000 scholarships each.
5
No cultural appropriation incidents or specific cultural impact assessment protocols are reported, which is consistent with its business model as a bank.
6

Safe & Smart Tech

10

CFSB has not experienced a cybersecurity incident materially affecting the company to date, as of February 2026.

1
The company performs real-time vulnerability scanning and continuously evaluates, monitors, and tests for potential threats.
2
Third-party consultants and independent auditors conduct penetration tests and audits.
3
CFSB uses security measures that comply with federal law to protect personal information from unauthorized access and use, including computer safeguards and secured files and buildings.
4
The company is subject to the Gramm-Leach Bliley Act and holds an annual PCI certification.
5
Employees complete formal security training, including regular simulated phishing assessments.
6
Multi-factor authentication is used when available, and encrypted data backups are utilized.
7
The Information Security Officer reports to the Board at least annually on compliance with Interagency Guidelines for Safeguarding Customer Information.
8

Zero Waste & Sustainable Products

0

The provided articles explicitly state that no specific data is available for waste diversion, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design, waste reduction initiatives, hazardous waste management, product durability, repairability, waste audit frequency, zero-waste certification, waste disposal violations, material efficiency, packaging-to-product ratio, waste reduction targets, supplier waste requirements, or customer waste education.

1
While one article mentions no regulatory actions, violations, fines, or compliance issues, it does not provide a specific timeframe to align with the rubric's quantitative thresholds for waste disposal violations.
2
Consequently, there is no concrete evidence to score any KPI under the 'Zero Waste & Sustainable Products' value.

Own CFSB Bancorp, Inc.?

Upload your portfolio and see how all your holdings score across 11 ethical dimensions.

Audit My Portfolio

AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.