District 10: Federal Reserve Bank of Kansas City PDF

Filings received during the week ending February 10, 2024

FilerFiling TypeFiling ProposalEnd of Comment Period
NewspaperFederal Register
BLUE RIDGE BANCSHARES, INC.Change in Bank Control David Esry, Lee's Summit, Missouri; individually, as trustee, general partner, and custodian for minor children, of the The Esry Family Trust, Independence, Missouri; William Esry, Independence, Missouri; Marcie Esry, Sarasota, Florida; and David Esry, Lee's Summit, Missouri, as co-trustees, to join the Esry Family Group, a group acting in concert, to retain voting shares of Blue Ridge Bancshares, Inc., and thereby indirectly retain voting shares of Blue Ridge Bank, both of Independence, Missouri. The Board has previously permitted William Esry, Marcie Esry, and David Esry, all individually to become members of the Esry Family Group.Not available02/26/2024
CITIZENS BANCSHARES, INC., ESOPChange in Bank Control
Change in Bank Control
Notice submitted by Jill Castilla, Youssi Farag, and Lisa Trent, all of Edmond, Oklahoma, as trustees of the Citizens Bancshares, Inc., Employee Stock Ownership Plan (the "ESOP"), Edmond, Oklahoma, to retain their respective ESOP positions and thereby control of the ESOP. The ESOP is a registered bank holding company that controls Citizens Bancshares, Inc., parent of The Citizens Bank of Edmond, both of Edmond, Oklahoma. Jill Castilla, Edmond, Oklahoma; individually and as Trustee of the Citizens Bancshares, Inc., Employee Stock Ownership Plan (the "ESOP"), to retain voting shares of Citizens Bancshares, Inc. (the "Corporation"), and thereby indirectly acquire voting shares of The Citizens Bank of Edmond, both of Edmond, Oklahoma; and to join Randal K. Granzow as a family group acting in concert that controls 25 percent or more of the Corporation. Not available02/26/2024
FIRST COMMUNITY BANK* Branch (Domestic)First Community Bank, Beemer, Nebraska, to establish a branch located at 2850 Elk Lane, Fremont, Nebraska.Not availableNot applicable
PANHANDLE BANCSHARES, INC.* 3A5Panhandle Bancshares, Inc., Guymon, Oklahoma, to merge with Spearman Bancshares, Inc., Spearman, Texas, and indirectly acquire First National Bank, Spearman, Texas.Not available03/18/2024

* Subject to the provisions of the Community Reinvestment Act

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Institution / LocationRSSD IDExam DateCRA Public DateCRA RatingExam Method
ENTERPRISE BK, OMAHA, NEBRASKA183670110/23/202308/07/2023SInt Small Bank
FIRST OPTION BK, OSAWATOMIE, KANSAS28585206/16/202303/06/2023SInt Small Bank
FIVE POINTS BK, GRAND ISLAND, NEBRASKA55485706/10/202303/13/2023OInt Small Bank
CRA Examinations scheduled for    Quarter of
InstitutionLocationQuarter
NONE
Back to Top
Last Update: February 15, 2024