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Special Market Definitions

.In the interest of efficiency and consistency, analysts of this Reserve Bank, as well as those of the Federal Reserve System in general, normally use a political division or a geographic designation as a proxy for a banking market when no competitive issue is associated with a proposal being reviewed and/or the proxy itself appears adequate. Typical proxies for rural banking markets are county boundaries and for metropolitan areas are the Rand McNally and Company's "Ranally Metro Areas" (RMAs). However, when a particular market proxy does not appear to accurately reflect the true extent of alternatives for banking services available to the residents of an area affected by a proposed transaction, Reserve Bank analysts conduct an investigation of the area's employment, commuting, shopping, and banking patterns, etc., and based on the information gained construct an appropriate banking market definition.

The following is a list of all such special market definitions currently utilized by this Reserve Bank in analyzing the competitive effects of banking proposals within the 10th Federal Reserve District. Following most definitions is a date and/or a reference to a particular Reserve Bank or Board of Governors Order involving the definition. The designation "CFR", however, refers to a competitive factor report (not available to the public) involving the definition that was provided by this Reserve Bank to another regulatory agency. The designation "CIC" refers to a Change in Control notification involving the definition that was processed by this Reserve Bank. Those definitions referred to as "preliminary" have not been part of a formal action by this Reserve Bank or the Board of Governors.

Colorado

Kansas

Missouri

Nebraska

New Mexico

Oklahoma

Wyoming


COLORADO f

Adams County - see Denver-Boulderfffff

Arapahoe County - see Denver-Boulderf

Baca County - see Lamar

Bent County - see Lamar

Boulder County - see Denver-Boulder

Burlington - Goodland

The Burlington-Goodland banking market is being defined to include Cheyenne County (less the town of Kit Carson), Kit Carson County (less the town of Flagler) in Colorado, and Sherman County in Kansas.

Cheyenne County - see Burlington-Goodland and Lamar

Colorado Springs

The Colorado Springs banking market has been expanded beyond the RMA to include all of El Paso County as well as the non-RMA portion of Teller County in Colorado.

Crowley County - See Otero County

Denver-Boulder

The Denver RMA and Boulder County (including the Boulder RMA) are combined into a single banking market (Intrawest Financial Corp., Denver, Colorado 1984). The market also includes the towns of Frederick and Keenesburg in Weld County (United Banks of Colorado, Inc., 1987), and the non-RMA portions of Adams and Arapahoe counties.

Dolores County - see Montezuma County

Eagle County - see Pitkin County

Elbert County - see Lincoln County

El Paso County - see Colorado Springs

Fort Collins-Loveland RMA

The Fort Collins - Loveland RMA banking market is expanded to include all of Larimer County, Colorado, including the town of Estes Park.

Garfield County - see Rio Blanco County

Grand Junction

The Grand Junction market is defined as including all of Mesa County (United Banks of Colorado, Inc., 1986)

Kiowa County - see Lamar

Kit Carson County - see Burlington-Goodland and Lincoln County

Lamar

The Lamar market has been expanded to include Baca, Kiowa, Prowers Counties in Colorado and the eastern half of Bent County, Colorado, including McClave, as well as the town of Kit Carson in Cheyenne County, Colorado.

Lincoln County

The Lincoln County banking market is expanded to include Elbert County and the town of Flagler in Kit Carson County (1985).

Mesa County - see Grand Junction

Moffat County - see Rio Blanco County

Montrose County

The Montrose County market has been expanded to include all of Ouray County and San Miguel County (Telluride Bancorp., Ltd., 1991).

Montezuma County

Montezuma County and Dolores County are combined into one banking market. (Aspen Bancshares, Inc., 1996)

Morgan County

The Morgan County banking market has been expanded to include all of Washington County (Washington Investment Company, 1992)

Mineral County - see Rio Grande County

Ouray County - see Montrose County

Otero County

Otero County, Crowley County, and the western Bent County are combined into a single banking market centered around the communities of Rocky Ford, Las Animas, and La Junta.

Pitkin County

The Pitkin County banking market is expanded to include the towns of El Jebel, Basalt, and Emma in Eagle County (Basalt Bancorp, Inc., Basalt, Colorado, 1979).

Prowers County - see Lamar

Rio Blanco County

The western half of Rio Blanco County, including the town of Rangely and the southeastern portion of Moffat County, including the town of Dinosaur, have been included with the Vernal, Utah, banking market, which also includes all of Uintah County, Utah (Rio Banco Holding Company, Rangely, Colorado, 1992). The eastern half of Rio Blanco County, including the town of Meeker, has been included with the Garfield County banking market (First National Bank of the Rockies, Meeker, Colorado, CFR, 1997).

Rio Grande County

The Rio Grande County banking market is expanded to include eastern Mineral County and the town of Creede (Rio Grande Bancorp, Inc., Del Norte, Colorado, 1981).

San Miguel County - see Montrose County

Teller County - see Colorado Springs

Washington County - see Morgan County

Weld County

The Weld County/Greeley banking market is defined as including all of Weld County, except the towns of Frederick and Keenesburg, and excluding the portions of the county included within the Denver and Boulder RMAs (United Banks of Colorado, Inc., 1987).

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KANSAS

Atchison County

The Atchison County banking market has been expanded to include the towns of Everest and Horton in Brown County, Whiting in Jackson County, and Nortonville in Jefferson County (all in Kansas) (2012).

Barton County

The Barton County banking market has been expanded to include the towns of Bushton, Chase, Raymond, and Silica in Rice County (Lyons State Bank, Lyons, Kansas, CFR, 1995), and the town of Holyrood in Ellsworth County.

Brown County

The Brown County banking market has been defined to exclude the town of Everest and Horton (see Atchison County) and to include Nemaha County (Robinson Banshares, Inc., Robinson, Kansas, 1986; Exchange Bancshares, Inc., Atchison, Kansas, 1997).

Butler County - see Wichita

Chase County - see Lyon County and Marion County

Cherokee County - see Joplin, Missouri

Cloud County

Cloud County has been combined into a single banking market with Republic County, and also includes the town of Clifton in Washington County (Intra Financial Corp., Clyde, Kansas, 1984).

Coffeyville - Independence

The Coffeyville - Independence banking market is being defined to include the counties of Chautauqua, Elk, Montgomery, and Wilso, along with the town of Edna in Labette County (all in Kansas).

Cowley County - see Wichita

Douglas County - see Lawrence

Ellsworth County

The Ellsworth County banking market has been redefined to exclude the town of Holyrood (included in Barton County) and, preliminarily, to include the towns of Frederick and Geneseo in Rice County.

Ford County

The Ford County banking market has been expanded to include Gray County (The First National Bank in Cimarron, Kansas, CFR - 1990).

Fort Scott

The Fort Scott banking market includes all of Bourbon County Kansas, and the towns of Blue Mound and Prescott in Linn County Kansas.

Geary County

The Geary County banking market is expanded to include the town of Fort Riley in Riley County (1983).

Gray County - see Ford County

Harvey County - see Wichita

Jackson County - see Atchison County

Jefferson County - see Atchison County 

Lawrence

The Lawrence banking market includes all of Douglas County, Kansas (Market Analysis 2008).

Leavenworth

See Kansas City, Missouri (Market Analysis 2008).

Lincoln County - see Salina

Lyon County

The Lyon County banking market is expanded to include all Chase County, except the town of Cedar Point (Elmdale Bankshares, Inc., Elmdale, Kansas, CIC - 1983).

Marshall County

The Marshall County banking market has been expanded to include all of Washington County, except the town of Clifton (Community Bancshares, Inc., Marysville, Kansas, 1994).

Marion County

The Marion County banking market has been expanded to include the town of Cedar Point in Chase County.

McPherson County

The McPherson County banking market has been expanded to include the towns of Crawford, Little River, and Mitchell in Rice County (The Lyons State Bank CFR, 1995).

Montgomery County - see Washington County, Oklahomaf

Nemaha County - see Brown County

Norton County - see Phillips County

Ottawa County - see Salina 

Phillips County

The Phillips County banking market is expanded to include northern Rooks County, including the towns of Stockton and Woodston. The market also includes all of Norton County.

Reno County

The Reno County-Hutchinson RMA banking market has been expanded to include the towns of Sterling, Lyons, Saxman, and Alden in Rice County (Coronado, Inc., Sterling, Kansas, 1995, and The Lyons State Bank CFR, 1995).

Republic County - see Cloud County

Rice County - see Reno County, McPherson County, Barton County, and Ellsworth County

Riley County - see Geary County

Rooks County - see Phillips County

Salina

The Salina banking market has been expanded to include the remainder of Saline County, Kansas, all of Ottawa County, Kansas, and the town of Beverly located in Lincoln County, Kansas (Farmers Bancshares, Inc., Lincoln, Kansas, 1998).

Saline County - see Salina

Sedgwick County - see Wichita

Sherman County - see Burlington-Goodland (Colorado)

Sumner County - see Wichita

Washington County - see Cloud and Marshall Counties

Wichita

The Wichita banking market is defined as Butler, Cowley, Harvey, Sedgwick, and Sumner Counties, Kansas (Field investigation, October 2005).

MISSOURI (10th District only)

Andrew County - see St. Joseph

Buchanan County - see St. Joseph and Atchison County, Kansas

Bates County

The Bates County banking market is expanded to include the town of Appleton City in St. Clair County (Kansas City Bancshares, Inc., Kansas City, Missouri, 1983).

Caldwell County

The banking market for Caldwell County includes all of that county plus the following: the town of Gallatin in Daviess County; DeKalb County, excluding the towns of Union Star and Clarksdale; and Clinton County, excluding the towns of Gower, Trimble, and Holt (Caldwell County Bank, Hamilton, Missouri, CFR, 1991).

Columbia

The banking market for Columbia, Missouri, is expanded to include all of Boone County, Cooper County, except the city of Otterville, and Howard County.  (See also Pettis County)

Cooper County

Cooper County is included in the Columbia, Missouri, banking market

Clinton County - see Caldwell County, St. Joseph, and Kansas City

Daviess County - see Caldwell County, Harrison County, and Grundy County

DeKalb County - see Caldwell County and St. Joseph

Gentry County - see Harrison County, Nodaway County, and St. Joseph

Grundy County

The Grundy County banking market has been preliminarily expanded to include the town of Jamesport in Daviess County.

Hannibal-Quincy

The Hannibal-Quincy banking market (defined by the St. Louis Reserve Bank as including Marion County and the northern half of Ralls County in Missouri, plus Adams County and the northwestern quarter of Pike County in Illinois (Boatmen's Bancshares, 1988)), is expanded to include the town of Monroe City in extreme northeast Monroe County (United Missouri Bancshares to acquire the Monroe City Bank, 1988).

Harrison County

The Harrison County banking market has been expanded to include: all of Mercer County; the eastern half of Gentry County, including the town of Albany; and the northwest portion of Daviess County, including the towns of Coffey and Pattonsburg (Bethany Bankshares, Inc., 1998).

Henry County

The Henry County banking market has been expanded to include all of St. Clair County.

Howard County - see Columbia

Jasper County - see Joplin

Joplin

The Joplin banking market is expanded beyond the RMA to include all of Jasper County, all of Newton County, and the towns of Galena and Baxter Springs in Cherokee County, Kansas (First Community Bancorporation, Joplin, Missouri, 1981).

Kansas City

The Kansas City banking market includes all of Cass, Clay, Jackson, Lafayette, Platte, and Ray Counties in Missouri; Franklin, Johnson, Leavenworth, Miami, and Wyandotte Counties in Kansas; Linn County in Kansas (excluding the towns of Blue Mound and Prescott); the towns of Trimble and Holt in Clinton County Missouri; the towns of Chilhowee, Holden, and Kingsville in Johnson County Missouri; and the towns of Adrian, Amsterdam, and Butler in Bates County Missouri (Market Analysis 2012).

Marion County - see Hannibal-Quincy

McDonald County

McDonald County is included in the Fayetteville/Springdale, Arkansas banking market. The market encompasses Benton, Madison, and Washington counties in Arkansas and McDonald County, Missouri. (Federal Reserve Bank of St Louis (August 2003).

Mercer County - see Harrison County

Monroe County - see Randolph County and Hannibal-Quincy

Nevada

The Nevada banking market includes all of Vernon County Missouri, and Bates County Missouri (excluding the towns of Adrian, Amsterdam, and Butler)

Newton County - see Joplin

Nodaway County

The Nodaway County banking market has been preliminarily expanded to include the town of Stanberry in Gentry County.

Pettis County

The Pettis County banking market has been expanded to include the town of Otterville in Cooper County.

Ralls County - see Hannibal-Quincy

Randolph County

The Randolph County banking market is expanded to include the western half of adjacent Monroe County, including the towns of Paris and Madison (United Missouri Bancshares to acquire the Monroe City Bank, 1988).

Saline County

No longer includes Glasgow in Howard County (Refer to definition of Columbia, Missouri, banking market).

St. Clair County - see Bates County and Henry County

St. Joseph

The St. Joseph banking market is expanded beyond the RMA to include all of Andrew County, all of Buchanan County, the town of Gower in Clinton County, the towns of Clarksdale and Union Star in De Kalb County, and the town of King City in Gentry County (2012).

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NEBRASKA

Arthur County - see Keith County

Boone County - see Columbus

Boyd County - see Holt County

Burt County - see Washington County and Cuming County

Butler County - see Columbus

Cedar County - see Yankton and Norfolk

Colfax County - see Columbus

Columbus

The Columbus banking market is defined to include all of Platte County; the eastern quarter of Nance County, including the town of Genoa; the southern two-thirds of Colfax County, including the town of Schuyler; the northwestern quadrant of Butler County, including the towns of Bellwood, David City, and Rising City; the northern half of Polk County, including the towns of Shelby and Osceola (First York Ban Corp., 2002); the extreme northeastern part of Merrick County, including the town of Silver Creek (Clark Bancshares, Inc., Clarks, Nebraska, 1983); and the extreme southeastern corner of Boone County, including the town of St. Edward (field investigation, 2007).

Cuming County

The Cuming County banking market is expanded to include the communities of Oakland and Lyons in Burt County.

Dakota County - see Sioux City

Dawson County

The Dawson County banking market has been expanded to include Gosper County in Nebraska (Pinnacle Bank, Papillion, Nebraska, 2003).

Douglas County - see Omaha-Council Bluffs

Fillmore County - see York County

Furnas County - see Red Willow County

Gage County

The Gage County banking market is defined to include all of Gage and Jefferson counties in Nebraska (First National Fairbury Corporation, Fairbury, Nebraska, CIC, 2006).

Gosper County - see Dawson County

Greeley County - see Valley County

Holt County

The Holt County (O-Neill) banking market has been expanded to include adjacent Rock and Boyd Counties in Nebraska (2001).

Howard County

The Howard County banking market is preliminarily defined as all of Howard County plus the community of Palmer in Merrick County (Pinnacle Bancorp, Inc., Central City, Nebraska, October 1995).

Jefferson County - see Gage County

Keith County

Keith County is expanded to include Perkins County (The Farmers National Bank of Grant, Grant, Nebraska, CFR, 1984), and Arthur County (First National Bank of Ogallala, Nebraska, CFR, 1997).

Knox County - see Yankton

Lancaster County - see Lincoln

Lincoln

The Lincoln banking market, which was the Lincoln RMA only, has been expanded to include all of Lancaster County (Farmers State Bank, Douglas, Nebraska, CFR-1991).

Madison County - see Norfolk

Merrick County

The Merrick County banking market is preliminarily defined as all of Merrick County less the communities of Silver Creek and Palmer (Pinnacle Bancorp, Inc., Central City, Nebraska, October 1995).

Nance County - see Columbus

Norfolk

The Norfolk banking market is defined as including Madison County (except the town of Newman Grove), all of Pierce County, all of Wayne County, all of Stanton County, and the towns of Belden and Randolph in Cedar County (Cones State Bank, Pierce, Nebraska, CFR-1984).

Omaha-Council Bluffs

The Omaha-Council Bluffs banking market includes the Omaha-Council Bluffs RMA, plus the remainder of Douglas County in Nebraska, and Pottawattamie County, Iowa, excluding the townships of Center, Grove, Knox, Layton, Lincoln, Valley, Waveland, and Wright.

Perkins County - see Keith County

Pierce County - see Norfolk

Platte County - see Columbus

Polk County - see Columbus and York County

Red Willow County

The Red Willow County banking market has been expanded to include the town of Cambridge in adjacent Furnas County (FirsTrust, Inc., Cambridge, Nebraska, 1990).

Rock County - see Holt County

Sioux City

The Sioux City banking market is defined to include the Sioux City RMA, plus Elkhorn and Garfield townships in Plymouth County, Iowa, and Woodbury County, Iowa, excluding the townships of Lakeport, Little Sioux, Sloan, and Willow.

Stanton County - see Norfolk

Valley County

The Valley County banking market is expanded to include the town of Scotia in Greeley County (1980).

Washington County

The Washington County banking market is expanded to include the town of Tekamah in Burt County.

Wayne County - see Norfolk

Yankton (South Dakota)

The Yankton, South Dakota banking market is defined as including the Nebraska Counties of Cedar (excluding the towns of Belden and Randolph ) and Knox, and the South Dakota Counties of Bon Homme and Yankton (1983).

York County

The York County banking market has been expanded to include all of Fillmore County, Nebraska (Geneva State Company, 2001), and the towns of Stromsburg and Polk in Polk County, Nebraska (First York Ban Corp., 2002).

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NEW MEXICO (10th District Only)

Albuquerque

The Albuquerque banking market is expanded to include the Albuquerque Metropolitan Statistical Area plus Torrance and Guadalupe Counties (Norwest Bancorporation, 1997).

Bernadillo County - see Albuquerque

Guadalupe County - see Albuquerque

Las Vegas

The Las Vegas banking market is comprised of Mora and San Miguel Counties (Las Vegas Bancorporation, Las Vegas, New Mexico, 1980).

Mora County - see Las Vegas

San Miguel County - see Las Vegas

Sandoval County - see Albuquerque

Torrance County - see Albuquerque

Valencia County - see Albuquerque

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OKLAHOMA

Ada

The Ada banking market is defined as Pontotoc County, OK; the city of Konawa in Seminole County, OK; and the city of Stratford in Garvin County, OK (Boatmens Bancshares, 1992).

Alfalfa County - see Enid

Atoka County

The Atoka County banking market is expanded to include the town of Wapanucka in Johnston County (First National Bank of Ardmore, Oklahoma, CFR, 1996).

Beckham County

The Beckham County banking market includes Beckham County and the town of Canute in Washita County (Market Analysis, 2008).

Caddo County - see Lawton

Canadian County - see Oklahoma City and Kingfisher County

Carter County

The Carter County banking market is expanded to include: all of Love County, Oklahoma; all of Marshall County, Oklahoma; the western half of Johnston County, Oklahoma, including the town of Tishomingo; and the towns of Ringling and Cornish in Jefferson County, Oklahoma (First National Bank of Ardmore, Oklahoma, CFR, 1996).

Cherokee County - see Muskogee

Cleveland County - see Oklahoma City

Comanche County - see Lawton

Cotton County - see Lawton

Craig County

The Craig County banking market, which includes all of Craig County except the town of Welch (see Ottawa County), is expanded to include the northeast portion of Mayes County including the towns of Disney, Ketchum, Langley, Pensacola, and Spavinaw (Green Country Bancorporation, Inc., Ketchum, Oklahoma, and Welch Bancshares, Inc., Welch, Oklahoma, 1980).

Creek County - see Tulsa

Custer County

The Custer County banking market includes Custer County and all of Washita County, except the town of Canute (Market Analysis, 2008).

Delaware County

The Delaware County banking market is defined as all of Delaware County except the town of West Siloam Springs, Oklahoma.  West Siloam Springs is included in the Fayetteville/Rogers, Arkansas, banking market (Arvest Bank, Fayetteville, Arkansas to purchase the assets and assume the liabilities of the Grove, Oklahoma branch of Grand Bank, Tulsa, Oklahoma, 2007).

Dewey County - see Woodward County

Ellis County - see Woodward County

Enid

The Enid banking market is expanded to include all of Garfield County (including the Enid RMA), the towns of Goltry and Helena in Alfalfa County, the town of Meno in Major County, and the town of Hennessey in Kingfisher County (Meno Bancshares, Inc., Meno, Oklahoma, 1979, and PNB Financial Corp., Kingfisher, Oklahoma, 1989).

Garfield County - see Enid

Garvin County - see Ada

Grady County - see Lawton and Oklahoma City

Jefferson County - see Carter County and Lawton

Johnston County - see Carter County and Atoka County

Kingfisher County - Excludes the town of Hennessey (see Enid), includes the town of Okarche in Canadian County (Bancfirst, 2010).

Lawton

The Lawton, Oklahoma, banking market has been expanded beyond the Lawton RMA to include: all of Comanche County, Oklahoma; all of Cotton County, Oklahoma; all of Stephens County, Oklahoma; all of Jefferson County, Oklahoma, except the towns of Ringling and Cornish; the towns of Apache and Cyril in Caddo County, Oklahoma; and the town of Rush Springs in Grady County, Oklahoma.

Le Flore County

All of Le Flore County is included in the Fort Smith, Arkansas, banking market.  The Fort Smith banking market includes: Crawford, Franklin, and Sebastian Counties, in Arkansas; and all of Le Flore and Sequoyah Counties, in Oklahoma, and the city of Mansfield, Arkansas.

Lincoln County – See Oklahoma City and Pottawatomie County

Logan County – See Oklahoma City

Love County - see Carter County

Major County - see Enid

Marshall County - see Carter County

Mayes County - see Tulsa

McClain County - see Oklahoma City

McIntosh County - see Muskogee

Muskogee

The Muskogee banking market consists of the Muskogee RMA and the remainder of Muskogee County, all of Cherokee County, and the town of Checotah in McIntosh County (Market Analysis, 2008).

Noble County - see Payne County

Nowata County - see Washington County

Oklahoma City

The Oklahoma City banking market includes the Oklahoma City RMA; the non-RMA portions of Logan, Oklahoma, Cleveland and McClain Counties; all of Canadian County excluding Okarche; all of Lincoln County except Meeker and Prague; and the town of Minco in Grady County (Bancfirst, 2010).

Okmulgee County - see Tulsa

Osage County - see Tulsa

Ottawa County

The Ottawa County banking market is expanded to include the town of Welch in Craig County (see Craig County for references).

Pawnee County - see Tulsa

Payne County

The Payne County banking market has been expanded to include Noble County (Exchange Bank and Trust Co., Perry, Oklahoma, 1998).

Pontotoc - see Ada

Pottawatomie County – Includes non Oklahoma City RMA, and the towns of Meeker and Prague in Lincoln County.

Rodgers County - see Tulsa

Seminole County - see Ada

Sequoyah County

Per the St. Louis Federal Reserve Bank (August 2003), Sequoyah County is part of the Fort Smith, Arkansas banking market. The Fort Smith banking market includes: Crawford, Franklin, and Sebastian Counties, in Arkansas; and all of Le Flore and Sequoyah Counties, in Oklahoma, and the city of Mansfield, Arkansas.

Stephens County - see Lawton

Tulsa

The Tulsa, Oklahoma, banking market consists of Tulsa, Creek, Okmulgee, Osage, Pawnee, Rodgers, and Wagoner Counties and all of Mayes County, except the northeast portion that is part of the Craig County banking market (Market Analysis, 2008).

Wagoner County - see Tulsa

Washita County - see Custer County, Beckham County

Washington County

The Washington County banking market consists of Washington and Nowata Counties in Oklahoma.

Woodward County

The Woodward County banking market is expanded to include all of adjacent Ellis County and the towns of Vici, Camargo and Seiling in Dewey County (Bank IV Oklahoma, N.A., Tulsa, OAKAR and CFR, 1994).

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WYOMING 

Big Horn County - see Park County

Cheyenne

The Cheyenne banking market is expanded beyond the RMA to include all of Laramie County, Wyoming.

Converse County - see Natrona County

Laramie County - see Cheyenne

Natrona County

The Natrona County banking market is expanded to include the town of Glenrock in Converse County (The Wyoming National Corporation, 1981).

Park County

The Park County banking market is expanded to include the town of Lovell in Big Horn County (American Bancorporation, Cheyenne, Wyoming, 1981).

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