Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received
District 10: Federal Reserve Bank of Kansas City PDF
Filings received during the week ending August 23, 2025
| Filer | Filing Type | Filing Proposal | End of Comment Period | |
|---|---|---|---|---|
| Newspaper | Federal Register | |||
| HPB HOLDINGS, INC. | * 3A3 | HPB Holdings, Inc., Okeene, Oklahoma, to acquire Community Bank, Alva, Oklahoma. | 09/21/2025 | 09/29/2025 |
| UBT BANCSHARES, INC. | Change in Bank Control | Leonard R. Wolfe, Frankfort, Kansas, individually, and as a trust committee member of UBT Bancshares, Inc., ESOP, Marysville, Kansas; the Leonard R. Wolfe Trust, Leonard R. Wolfe and Beth A. Wolfe, individually, and as co-trustees, and the Beth A. Wolfe Trust, Beth A. Wolfe and Leonard R. Wolfe, individually, and as co-trustees, all of Frankfort, Kansas; the Dellamano Family Trust, Anthony Dellamano and Jenna Wolfe, individually, and as co-trustees, all of Solana Beach, California; Joseph T. Massey and Peggy Massey, both of Cedar Vale, Kansas; Kellie Lamasters, Kansas City, Missouri; Randall Lamasters and Lana Lamasters, both of Chanute, Kansas; Nicholas Wolfe, Rylee Wolfe, and Sherri L. Edmundson, all of Marysville, Kansas; Ryan C. Edmundson, Marion, Kansas; Mackenzie M. Cyr, Clyde, Kansas; and Vivian S. Shaw, Sedan, Kansas; to become members of the Wolfe Family Group, a group acting in concert, to retain voting shares of UBT Bancshares, Inc., and thereby indirectly retain voting shares of United Bank and Trust. | 09/20/2025 | 09/15/2025 |
* 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 / Location | RSSD ID | Exam Date | CRA Public Date | CRA Rating | Exam Method |
|---|---|---|---|---|---|
| ADAMS B&TC, OGALLALA, NEBRASKA | 463650 | 11/07/2024 | 08/05/2024 | S | Int Small Bank |
| AMERICAN HERITAGE BK, SAPULPA, OKLAHOMA | 311050 | 04/07/2024 | 08/14/2023 | S | Int Small Bank |
| BANK OF CMRC, CHANUTE, KANSAS | 862057 | 07/04/2024 | 04/15/2024 | S | Int Small Bank |
| CITIZENS ST BK, WISNER, NEBRASKA | 482053 | 04/29/2024 | 02/12/2024 | S | Int Small Bank |
| FIVE POINTS BK, HASTINGS, NEBRASKA | 386450 | 10/14/2024 | 07/29/2024 | S | Int Small Bank |
| GRAND BK, TULSA, OKLAHOMA | 76854 | 09/02/2024 | 06/10/2024 | S | Int Small Bank |
| JONAH BK, CASPER, WYOMING | 3412417 | 06/03/2024 | 03/18/2024 | S | Int Small Bank |
| SECURITY ST BK, BASIN, WYOMING | 955959 | 07/21/2024 | 04/29/2024 | S | Int Small Bank |
| SOVEREIGN BK, SHAWNEE, OKLAHOMA | 396253 | 03/01/2025 | 11/18/2024 | S | Int Small Bank |
CRA Examinations scheduled for Fourth Quarter of 2025 (October 1, 2025 - December 31, 2025) and First Quarter of 2026 (January 1, 2026 - March 31, 2026)
| Institution | Location | Quarter |
|---|---|---|
| PEOPLES BK | COLDWATER, KANSAS | Fourth Quarter of 2025 |
| VERIMORE BK | BROOKFIELD, MISSOURI | Fourth Quarter of 2025 |