Community Reinvestment Act Public File

In accordance with the Community Reinvestment Act (CRA) Regulation (Regulation BB, 12 CFR 25), Home Bank & Trust Co. is required to maintain and, upon request, make available for public inspection a complete Community Reinvestment Act Public File. By providing the CRA Public File online, Home Bank & Trust Co. is better able to keep this data up to date. The information provided is current as of April 1 of each year. If you are interested in viewing our CRA Public File, please see the information below.

Branch Locations as of April 1, 2024

Home Bank & Trust Co currently operates 6 branches. The address, phone number, hours of operation, and service areas of those branches are:

1. Main facility
217 N Main, PO Box 620 • Eureka, KS 67045 • 620-583-5516
HOURS: Monday: 9:00am to 5:00pm, Tuesday-Friday: 9:00 am to 4:00pm, closed Saturday
This office serves our assessment area located in BNAs 9956, 9957, and 9958 in Greenwood County.

2. Eureka Drive In
101 S Main • Eureka, KS 67045 • 620-583-7570
HOURS: Monday: 8:00am to 5:00pm, Tuesday-Friday: 8:00 am to 4:00pm, Saturday: 8:00am to 12:00pm
This office serves our assessment area located in BNAs 9956, 9957, and 9958 in Greenwood County.

3. Severy
108 N Kansas, PO Box 98 • Severy, KS 67137 • 620-736-2244
HOURS: Monday: 8:00am to 12:00pm and 1:00 to 3:00pm, closed Saturday
This office serves our assessment area located in BNAs 9956, 9957, and 9958 in Greenwood County.

4. Clearwater
741 N 4th, PO Box 278 • Clearwater, KS 67026 • 620-584-5000
DRIVE THRU HOURS: Monday-Thursday: 8:00am to 5:00pm, Friday: 8:00 am to 6:00pm, Saturday: 8:00am to 12:00pm
LOBBY HOURS: Monday-Thursday: 9:00am to 4:00pm, Friday: 9:00 am to 6:00pm, Saturday: 8:00am to 12:00pm
This office serves our assessment area located in BNAs 96 and 97 of the Sedgwick County’s MSA.

5. Wichita
10421 W. Central, PO Box 75217 • Wichita, KS 67212 • 316-773-6000
DRIVE THRU HOURS: Monday-Thursday: 8:00am to 5:00pm, Friday: 8:00 am to 6:00pm, Saturday: 9:00am to 12:00pm
LOBBY HOURS: Monday-Thursday: 9:00am to 5:00pm, Friday: 9:00 am to 6:00pm, Saturday: 9:00am to 12:00pm

6. Wichita
1409 N. Greenwich • Wichita, Kansas 67206 • 316-686-5000
DRIVE THRU HOURS: Monday-Friday: 8:00am to 5:00pm, Saturday: 9:00am to 12:00pm
LOBBY HOURS: Monday-Thursday: 9:00am to 5:00pm, Friday: 9:00 am to 6:00pm, Saturday: 9:00am to 12:00pm
This office serves our assessment area located in BNAs 95.01, 95.02, 96, 97, 99, 100, 101.02, 102, 103, 104, 105, 106, and 107 of the Sedgwick County’s MSA.

Home Bank & Trust Co. has not opened or closed any branch offices since the opening of our branch location at 1409 N. Greenwich on June 18, 2007.

CRA Disclosure Statement

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 FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Manager, Division of Supervision and Consumer Protection, (DSC) FDIC, 1100 Walnut St., Suite 2100, Kansas City, MO 64106. You may send written comments about our performance in helping to meet community credit needs to Tyson Rucker, Chief Operating Officer, Home Bank & Trust Co. of Eureka, PO Box 620, Eureka, Kansas 67045, and the FDIC Regional Manager. 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 The Greenwood County Financial Services, Inc., a bank holding company. You may request from the Federal Reserve Bank of Kansas City, 1 Memorial Drive, Kansas City, Mo 64198-0001, an announcement of applications covered by the CRA filed by bank holding companies.

Public Comments

There are no public comments for the period of 2021 – April 1st 2023.

CRA FDIC Performance Evaluation

Download a PDF of our most recent CRA FDIC Performance Evaluation.

HMDA Disclosure Statements

View HMDA Disclosure Statements for the prior 2 years. The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the consumer financial Protection Bureau’s website www.consumerfinance.gov/hmda. HMDA data for many other financial institutions are also available at this website.