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 December 13, 2025
| Filer | Filing Type | Filing Proposal | End of Comment Period | |
|---|---|---|---|---|
| Newspaper | Federal Register | |||
| CITIZENS INVESTMENT COMPANY | Change in Bank Control | Michael P. Langley Directed Trust dated February 16, 2021, Camarillo, California; John M. Langley Directed Trust dated February 16, 2021, Houston, Texas; James L. Langley Directed Trust dated February 16, 2021, Beaufort, South Carolina; Annette L. Langley Directed Trust dated February 16, 2021, Aurora, Colorado; Barbara A. Fisher Directed Trust dated February 16, 2021, Wintersville, Ohio; Jeanette M. Roberts Directed Trust dated February 16, 2021, Bloomingdale, Ohio; Roseanne M. Martin Directed Trust dated February 16, 2021, Steubenville, Ohio; Mark A. Langley Directed Trust dated February 16, 2021, Lancaster, Massachusetts; Stephen A. Langley Directed Trust dated February 16, 2021, Okayama, Japan; Mark A. Langley, Lancaster, Massachusetts; Jeanette M. Roberts, Bloomingdale, Ohio; Annette L. Langley, Aurora, Colorado, and AMG National Trust Bank, Boulder, Colorado, as trustees and trust advisors of the aforementioned trusts, to become members of the James W. Langley Family Group, a group acting in concert, to retain voting shares of Citizens Investment Company, and thereby indirectly retain voting shares of North Valley Bank, both of Thornton, Colorado. | 12/29/2025 | Not available |
| FIRSTOAK BANK | * Branch (Domestic) | FirstOak Bank, Independence, Kansas, to establish a branch located at 4581 Columbia Pike, Thompson's Station, Tennessee. | 12/19/2025 | Not applicable |
| PBT BANCSHARES, INC. | Change in Bank Control | Marcus Houghton Legacy Trust Dated May 8, 2025 ("Trust") and Marcus Houghton, as trustee, both of Wichita, Kansas, and Wise & Reber, L.C., McPherson, Kansas, as trust protector, to acquire voting shares of PBT Bancshares, Inc. ("Company"), and thereby indirectly acquire voting shares of Peoples Bank and Trust Company ("Bank"), both of McPherson, Kansas. In addition, the Trust to join the Houghton Family Group, a group acting in concert. Marcus Houghton and Wise & Reber, L.C. have been previously approved as members of the Houghton Family Group. | 12/31/2025 | 12/30/2025 |
* 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 Quarter of
| Institution | Location | Quarter |
|---|---|---|
| NONE | ||