Community Reinvestment Act Notice

The First State Bank, Keyes, OK

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.  You may review today the public section of our most recent CRA evaluation, prepared by the Federal Deposit Insurance Corporation, Dallas Regional Office, 1601 Bryan Street, Dallas, Texas 75201.  You may also have access to the following information, which we will make available to you within five calendar days after you make a request to us: (1) a map showing the assessment area containing the home office or branch location, which is the area in which the FDIC evaluates our CRA performance in this community; (2) information about our branches in this assessment area; (3) a list of services we provide at those locations; (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically relate to our CRA performance in this assessment area, and any responses we have made to those comments.  If we are operating under an approved strategic plan, you may also have access to a copy of the plan.

If you would like to review information about our CRA performance in other communities served by us, the public file for our entire bank is available at the home office of The First State Bank, located at the street address of 3^rd and Polk, Keyes, OK 73947 and having a mailing address of P.O. Box 7, Keyes, OK 73947.

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 Regional Office Division of Compliance and Consumer Affairs, 1910 Pacific Avenue, Suite 2000, Dallas, Texas 75201.  You may send written comments about our performance in helping to meet community credit needs to the bank c/o Mr. Steve Caldwell, President/CEO, The First State Bank, P.O. Box 7 Keyes, OK 73947, and to the FDIC Regional Manager, the FDIC Regional Office Division of Compliance and Consumer Affairs, 1601 Bryan Street, Suite 2000, 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.  You may also request from the FDIC an announcement of our applications covered by the CRA filed with the FDIC.

We are an affiliate of First Keyes Bancshares, Inc., Keyes OK, a bank holding company.  You may request from the Community Reinvestment Act Officer, Federal Reserve Bank of Kansas City, 925 Grand Avenue, Kansas City, MO 64198, an announcement of applications covered by the CRA filed by bank holding companies.