Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 10
Federal Reserve Bank of: Kansas City

Filings received during the week ending October 30, 2021

Filer

Filing Type

Filing Proposal

End of Comment Period

CITIZENS COMMERCE CORPORATION

CIC

Hailey Ruth Craighead Guadarrama and Franco M. Guadarrama, both of Ardmore, Oklahoma; to join the Craighead Family Group, a group acting in concert, to acquire voting shares of Citizens Commerce Corporation, and indirectly acquire voting shares of Citizens Bank & Trust Company, both of Ardmore, Oklahoma. Additionally, Steven Chase Martin and Holly Kaitlyn Solley Martin, both of Lone Grove, Oklahoma; Whitney Dell Martin Buck, Larry Dylan Buck, and Kyle Van Craighead, all of Ardmore, Oklahoma; Jeffrey Don Craighead, Amy K. Craighead, and Lindsay Fowler Martin, all of Norman, Oklahoma; and Megan Suzzanne Craighead Engels and Christopher Engels, both of Plano, Texas; to join the Craighead Family Group, a group acting in concert, to retain voting shares of Citizens Commerce Corporation, and indirectly retain voting shares of Citizens Bank & Trust Company.

Newspaper:	11/12/2021
Federal Register:	11/15/2021

FBHC HOLDING COMPANY

CIC

Kyle Heckman, Lafayette, Colorado, individually and as trustee of the Flatirons Bank Employee Stock Ownership Plan and Trust, Boulder, Colorado, to acquire voting shares of FBHC Holding Company, Boulder, Colorado, and indirectly acquire voting shares of Flatirons Bank, Boulder, Colorado.

Newspaper:	Not available
Federal Register:	Not available

FIRST BETHANY BANCORP, INC.

CIC

The Dorothy J. Pierce Living Trust and Dorothy J. Pierce, as trustee, both of Oklahoma City, Oklahoma, to join the Pierce Family Group, a group acting in concert, and to acquire voting shares of First Bethany Bancorp, Inc., and thereby indirectly acquire voting shares of First Bethany Bank & Trust, both of Bethany, Oklahoma.

Newspaper:	11/08/2021
Federal Register:	11/22/2021

FIRST NATIONAL FINANCIAL CORPORATION

CIC

Kerstin Eckstrom, Lincoln, Nebraska, and Lynne Petro, Shoal Creek, Alabama, to join the Olson Family Control Group, a group acting in concert, and retain voting shares of First National Financial Corporation, and indirectly retain voting shares of Bank of Estes Park, both of Estes Park, Colorado.

Newspaper:	Not available
Federal Register:	Not available

O & F CATTLE COMPANY

CIC

Kerstin Eckstrom, Lincoln, Nebraska, and Lynne Petro, Shoal Creek, Alabama, to join the Olson Family Control Group, a group acting in concert, and to retain voting shares of O & F Cattle Company, and indirectly retain voting shares of Nebraska State Bank, both of Oshkosh, Nebraska.

Newspaper:	Not available
Federal Register:	Not available

RCB BANK

* 18C
* Branch

RCB Bank, Claremore, Oklahoma, to purchase certain assets and assume certain liabilities of the branches of Arvest Bank, Fayetteville, Arkansas, located at 301 West 4th Avenue, Caney, Kansas, and 125 West Canadian, Vinita, Oklahoma; and incident thereto, to establish two branches.

Newspaper:	Not available
Federal Register:	Not applicable

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
AMERICAN HERITAGE BK, SAPULPA, OKLAHOMA	311050	07/12/2021	10/25/2021	S	Int Small Bank
MADISON CTY BK, MADISON, NEBRASKA	385471	08/09/2021	10/28/2021	S	Int Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location	Quarter
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 10 Federal Reserve Bank of: Kansas City

Filings received during the week ending October 30, 2021

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 10
Federal Reserve Bank of: Kansas City