I have personally seen a 200A service on a 5 kVA and 10 kVA transformer. I personally have a 25 kVA labeled transformer for my 400A service that presented a load calculated 232A to PGE when I requested a 400A service upgrade.
Just because you have a serving size of X, doesn't mean anything about your transformer. However, if you start to regularly pull 50 kVA from a 10 kVA transformer the utility will soon need to replace it, and you may be out of power in the meantime.
At most, you could expect the transformer to be 80% of the service size. So a 200A service might possibly need a 38 kVA transformer to deliver 160A continuous.
EDIT Also, Site import and conductor export limits are very different things. It terrifies me that a customer can just log in and change these.