CRA Notice

Community Reinvestment Act Notice


Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the Federal Deposit Insurance Corporation publishes a list of the banks that are scheduled for CRA examination by the FDIC in that quarter. This list is available from the FDIC Regional Office Division of Supervision and Consumer Protection, 1601 Bryan Street, Dallas, Texas 75201. You may send written comments about our performance in helping to meet community credit needs to the bank c/o Mr. Dirk Bagenstos, President, High Plains Bank, P. O. Box 7, Keyes, OK 73947, and to the FDIC Regional Manager, the FDIC Regional Office Division of Supervision and Consumer Protection, 1601 Bryan Street, Dallas, Texas 75201. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Manager. You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of High Plains Financial, Inc., Keyes, OK, a bank holding company. You may request from the Community Reinvestment Act Officer, Federal Reserve Bank of Kansas City, 1 Memorial Drive, Kansas City, MO 64108, an announcement of applications covered by the CRA filed by bank holding companies.