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 July 6, 2019

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF COMMERCE

* Branch

Bank of Commerce, Chelsea, Oklahoma, to establish a branch at 217 South Adair Street, Pryor, Oklahoma.

Newspaper:	07/19/2019
Federal Register:	Not applicable

CITIZENS STATE BANK

* 18C
* Branch

Citizens State Bank, Wisner, Nebraska, to merge with Cass County Bank, Plattsmouth, Nebraska, and incident thereto, to establish several branches.

Newspaper:	07/29/2019
Federal Register:	Not applicable

CITIZENS STATE BANK

* Branch

Citizens State Bank, Wisner, Nebraska, to establish a mobile branch in connection with its physical branch at 234 Pine Street, Creston, Nebraska.

Newspaper:	07/29/2019
Federal Register:	Not applicable

SPIRIT BANKCORP, INC.

CIC

The Melinda Mercer Revocable Trust and Kelly Brothers, A Business Trust, Melinda Mercer, Tulsa, Oklahoma, individually and as trustee, the Mel Mercer Revocable Trust, the Kelly Mercer Revocable Trust, and the Logan Mercer Revocable Trust, Mel Mercer, Tulsa, Oklahoma, individually and as trustee, Logan Mercer, Broken Arrow, Oklahoma, Kelly Mercer, Tulsa, Oklahoma, Brad Kelly, Dallas, Texas, the Raymond Lynn Fesperman and Susan K. Fesperman Trust, Raymond Lynn Fesperman, Tulsa, Oklahoma, as trustee, and Payton Fesperman, Tulsa, Oklahoma, to acquire voting shares of Spirit Bankcorp, Inc., Bristow, Oklahoma, and thereby be approved as members of the Mercer-Kelly-Fesperman Family Group, which collectively controls 25 percent or more of the company. Spirit Bankcorp, Inc., controls SpiritBank, Tulsa, Oklahoma.

Newspaper:	Not available
Federal Register:	07/19/2019

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
NONE

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 July 6, 2019

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 10
Federal Reserve Bank of: Kansas City