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 6, 2025
| Filer | Filing Type | Filing Proposal | End of Comment Period | |
|---|---|---|---|---|
| Newspaper | Federal Register | |||
| ADAMS BANK & TRUST | * Branch (Domestic) | Adams Bank & Trust, Ogallala, Nebraska, to establish a branch located at 1344 N Prescott Country Club Blvd, Suite A, Dewey, Arizona. | 12/12/2025 | Not applicable |
| 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. | 12/22/2025 | Not available |
| VISION BANCSHARES, INC. | Change in Bank Control | Mary Ellen Wall, Shawnee, Oklahoma, in her capacity as co-trustee of various family trusts mentioned below; to retain voting shares of Vision Bancshares, Inc., Ada, Oklahoma, and thereby indirectly retain voting shares of Vision Bank, Ada, Oklahoma. The Mary Ellen Wall 2021 Legacy Trust dated May 11, 2021, Ada, Oklahoma, and co-trustees Mary Ellen Wall and Vision Bank, Ada, Oklahoma; Mary Ellen Wall and Vision Bank as co-trustees of both the James N. Wall Marital Trust A, Ada, Oklahoma, and the James N. Wall Marital Trust B, Ada, Oklahoma; Amy Coroma, Union Missouri, and Vision Bank as co-trustees of the Amy Wall Coroma Trust, Ada, Oklahoma; Laura Cox, Norman, Oklahoma, and Vision Bank as co-trustees of the Laura Wall Cox Trust, Ada, Oklahoma; Jamie Hammons, Shawnee, Oklahoma, and Vision Bank as co-trustees of the Jamie Wall Hammons Trust, Ada, Oklahoma; Nancy Vincent, Tomball, Texas, and Vision Bank as co-trustees of the Nancy Wall Vincent Trust, Ada, Oklahoma; and Elizabeth Wall, Shawnee, Oklahoma, and Vision Bank as co-trustees of the Elizabeth Wall Trust, Ada, Oklahoma; to become members of the Wall Family Control Group, a group acting in concert, to retain voting shares of Vision Bancshares, Inc., Ada, Oklahoma, and thereby indirectly retain voting shares of Vision Bank, Ada, Oklahoma. All of the aforementioned trusts excluding the Mary Ellen Wall 2021 Legacy Trust dated May 11, 2021, have been permitted by the Federal Reserve Board to become members of the Wall Family Control Group. | 12/12/2025 | 12/26/2025 |
* 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 | ||