Online Banking
Forgot Username | Forgot Password | Demo | Business Demo | Enroll

Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Community Reinvestment Act (CRA) - Public File

At Conway Bank we are committed to creating financial opportunities for the communities we serve by meeting customers’ credit needs, including low- and moderate- income families, neighborhoods, and small businesses.
In 1977, the federal government established the Community Reinvestment Act (CRA) to encourage banks to meet the need of the demographics in which they serve, including low- and moderate- income communities. Banks are now required to make their CRA files available to the general public via their website and must update the files to be current as of April 1 of each year.
Below you will find each of the components of the Bank’s CRA Public File:

Community Reinvestment Act Disclosure

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. You may review today the public section of our most recent CRA evaluation, prepared by the Federal Deposit Insurance Corporation, and a list of services provided at this branch. You may also have access to the following additional information, which we will make available to you at this branch within five calendar days after you make a request to us: (1) A map showing the assessment area containing this branch, 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 Conway Bank, Downtown Wichita, located at 121 E. Kellogg, Wichita, Kansas 67202.]
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:
FDIC Regional Director
Division of Depositor and Consumer Protection (DCP)
Kansas City Regional Office, 1100 Walnut Street, Suite 2100, Kansas City, MO. 64106
800-209-7459 or 816-234-8000
You may send written comments about our performance in helping to meet community credit needs to Joseph C. Rottinghaus, CEO, Conway Bank
121 E. Kellogg, Wichita, KS 67202
and
FDIC Regional Director
Division of Depositor and Consumer Protection (DCP)
Kansas City Regional Office, 1100 Walnut Street, Suite 2100, Kansas City, MO. 64106
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 Norcon Financial Corporation, a bank holding company. You may request from the:
Federal Reserve Bank of Kansas City, One Memorial Drive, Kansas City, Mo. 67198
an announcement of applications covered by the CRA filed by bank holding companies.

Written Comments

Written comments received from the public related to the bank’s performance in assisting to meet community credit needs, and any responses.
Thank you for purchasing my goat at the premium auction. I really appreciate your generosity and support of the 4-H program. Sincerely, Reese AllenConway Bank, thank you for buying my lamb. The money will go for next years project. Thank you Brandon.
Conway Bank, We owe you a huge thank you. Thank you not only for your support, but the gift basket for our fundraising auction. We appreciate businesses supporting EMS in tangible ways, because of this we will be able to continue responding to calls for help. We are grateful that we can count on your support. Thank you again. - Norwich Ambulance ServiceThank you Conway Bank for supporting me and my pig! Vivian Vavra
Wichita's Littlest Heros No One Fights Alone!"Love gives the courage to transform pain into power!" Thank you so much for your support, and choice to sponsor many of our hero events. We look forward to a great year, and working with you. Thank you!Wichita's Littlest Heros No One Fights Alone! Giving emotional support to families with children fighting life-threatening medical battles. Wichita's Littlest Heros 203 N. Mathewson Ave, Wichita, KS 67214. 316-364-3354 | wichitaslittlestheroes.comThank you Conway Bank for supporting me and my pig! Vivian Vavra
Thank you for the donation to our school auction. The funds raised will be used to improve our school. Thank you again, for your support. - St. Joseph Catholic School PTOagain and again! Conway Bank, Thank you for supporting our annual Lord's Acre Auction. The portable projector was greatly appreciated! Conway Springs Methodist Church Friends
Thank you for Your Support of Project Prom! Norwich "The Greatest Show on Earth" 2025. Signed by Norwich High School Senior Class of 2025 student body.Legacy Regional Community Foundation. August 6, 2025. Conway Bank, 124 West Spring St., Conway Springs, KS 67031. Dear Conway Bank: Thank you so much for your donation to the Legacy Community Foundation. Your gift of $50.00 (CK # 113454, Dated 2025-07-15) has been posted to the Progressive Farmer Safety Day Fund. Legacy Foundation is a permanent collection of funds designed to link donors with critical needs in the community. Legacy Foundation promotes charitable giving by assisting individuals, families, and organizations in the establishment of charitable funds that will forever benefit the community. In addition, the Foundation makes grants to help meet current and future community needs. Together with donors like you, the Foundation strives to enhance all areas of life in the communities we serve. Legacy Community Foundation is dedicated to providing donor services. More information is always available at www.legacyregionalfoundation.org or at 620-221-7224. Sincerely, Yazmin Wood, Chief Executive Officer. Please consider this letter official receipt of your tax-deductible contribution. No goods or services were provided to you in consideration of this gift. Legacy, a Regional Community Foundation has exclusive control over the contributed assets. Legacy Regional Community Foundation grows area philanthropic and nonprofit efforts by connecting donors with critical needs in our community, instilling informed leadership and building endowments to create a stronger, healthier and more prosperous region. PO Box 713, Winfield, KS 67156, (620) 221-7224, (855) 470-7224, www.legacyregionalfoundation.org
Progressive Agriculture Foundation, Progressive Agriculture Safety Days. September 22, 2025. I wanted to take a moment to thank you for your support, donation and/or participation in the Progressive Agriculture Safety Day event held in Caldwell sponsored by KanOkla Networks. We appreciate your donation and/or volunteered time to make this a success for the students. I know the information and lessons learned will benefit them the rest of their lives. Without your help, Safety Day would not be a success! Thank you again for your participation, and we hope to have your support again next year! Sincerely, Jennifer Brown, Safety Day Coordinator, KanOkla Networks. Providing education, training and resources to make farm, ranch, and rural life safer and healthier for children and their communities. Sponsored by: BUNGE, Nutrien, CHS, TC Energy, John Deer, Farm Credit, Enbridge, Bayer, Cargill, Corteva. (888)257-3529. PO Box 530425, Birmingham, AL 35253. www.progressiveag.org, IRS Tax ID: 63-1166618
"Thank You". Text under image: Conner age 10 & Rowan age 5. Thank you for your support at the Kingman County Fair. I had a very successful fair and I am very excited about all my ribbons. My goal was to take an item to the state fair this year and my electrical craft of my robot dog and butterfinger cookies are both going to the state fair. I had three pigs this year Roz, Bruce, and Halo. My brother Rowan showed Halo as a Cloverbud, he was a hamp. This year I had 26 projects in Photography, Legos, Horticulture, Educational Display, Fine Arts, Crafts, Wildlife, Swine, Foods, and Welding. I really was proud of my forged knife. I am going to buy a propane forge so I can work at home and hopefully get an anvil for Christmas. My favorite part about 4-H is the county fair. Outside of 4-H I like to golf, duck hunt, paintball, shoot my bow, build legos, swim, and explore nature. Thank you for supporting me, I appreciate it. Conner Hardaway. Slate Creek Farm - Conner Hardaway, Norwich Boosters 4-H Club, Milton, Kansas.
Conway Springs Fall Fest. Conway Bank, October 6, 2024. Dear Becky, On behalf of the Conway Springs Fall Festival Committee, we'd like to thank you for your generous donation to our event. Thank yo ufor you gift of the sponsorship of the Ice Cream Social, a media projector with Conway Bank merchandise, and $200 that went towards the purchase of raffle items. We wouldn't be able to host such a successful event each year without sponsors like you! We had great crowds & community participation during this year's event. We anticipate this fall tradition to continue for many years to come, and we look forward to your continued support in the future. Please retain this letter as proof of your donation. If a dollar amount was not assigned to your donation, please provide the value of your donation for tax purposes. Sincerely, Leslie Kittrell, Fall Fest Committee Member. (620) 456-2247 | 316-640-8559 | labennett@bennettagencyinsurance.com

Performance Evaluation

A Copy of the bank’s most recent CRA Performance Evaluation.

Branch Information

A list of the bank’s branches, their street addresses and census tracts.
Conway Springs | 124 W Spring St | PO Box 8 | Conway Springs, KS 67031
Lobby Hours

Monday-Wednesday 9:00am-4:00pm
Thursday-Friday 9:00am-5:00pm
Drive-Thru Hours:
Monday-Thursday 8:30am-5:30pm
Friday 8:30am-6:00pm
Norwich | 310 Main | PO Box 98 | Norwich, KS 67118
Lobby Hours

Monday-Thursday 9:00am-4:00pm
Friday 9:00am-5:00pm
Drive-Thru Hours:
Monday-Thursday 9:00am-5:00pm
Friday 9:00am-6:00pm
Wichita | 121 E Kellogg (Kellogg & Main) | Wichita, KS 67202
Lobby Hours

Monday-Friday 9:00am-5:00pm
Drive-Thru Hours:
Monday-Thursday 8:30am-5:00pm
Friday 8:30am-6:00pm
Argonia | 101 S Main | PO Box 38 | Argonia, KS 67004
Lobby Hours

Monday-Thursday 9:00am-3:00pm
Friday 9:00am-5:00pm
Drive-Thru Hours:
Monday-Friday 8:00am-5:00pm

Branches Opened or Closed

A list of branches opened or closed by the bank during the current year and each of the prior two calendar years.
Conway Bank has not opened or closed any branch locations during 2025 or each of the prior two calendar years.

Banking Services

A list of retail banking services generally offered at the bank’s branches including hours of operation, available loan and deposit products, and transaction fees.
Conway Springs | Monday-Wednesday 9:00am-4:00pm, Thursday-Friday 9:00am-5:00pm |
Norwich | Monday-Thursday 9:00am-4:00pm, Friday 9:00am-5:00pm |
Wichita | Monday-Friday 9:00am-5:00pm |
Argonia | Monday-Thursday 9:00am-3:00pm, Friday 9:00am-5:00pm |
LOANS TO FARMERS

1. To purchase and feed livestock
2. To purchase machinery and equipment
3. For maintenance and upkeep of machinery and equipment
4. For purchase of feed, seed, and fertilizer
5. For operating loans in connection with farming operations
6. For household and personal use
7. Farm Real Estate
8. Farm Service Association loans
COMMERCIAL LOANS

1. For the purpose of purchasing of a business
2. For the purpose of operating costs of a business
3. For the purchase of inventory
4. For the purchase of machinery and equipment
5. For the purpose of financing accounts receivable
6. For the purpose of maintenance and improvements of buildings
7. SBA loans (including PPP Loans)
REAL ESTATE LOANS

1. 1-4 Family Residences
2. Commercial and farm property
3. Interim Construction Loans
4. Construction to Permanent Loans
5. Balloon Payments
6. Fixed Rate
7. Secondary Market (BBOK & Flat Branch)
CONSUMER LOANS

1. For the purchase of vehicles
2. For the purchase of recreational vehicles and equipment
3. For the purchase of household appliances, furniture, and equipment
PERSONAL LOANS

1. Installment loans for personal and household expenses
2. Installment loans for home improvements

Assessment Areas

A map of each facility-based assessment area showing the boundaries of the area and a list of the census tracts contained in the area.
Census Tract Geographies of Assessment Area. Including the eastern most portion of Kingman County, northeast quarter of Harper County, all of Sumner County, and all of Sedgwick County. Other surrounding counties are shown on the map, however just the ones listed above were used for assessment area purposes.
CRA ASSESSMENT AREA
Conway Springs: 124 W. Spring Street, Conway Springs: Census Tract #9622.00
Norwich: 310 N. Main, Norwich: Census Tract #9611.00
Wichita at Kellogg & Main: 121 E, Kellogg, Wichita: Census Tract #0026.00
Argonia: 101 S. Main, Argonia: Census Tract #9622.00
Conway Bank’s CRA Assessment Area includes 2 separate Assessment Areas:
(1) Sedgwick County & Sumner County (MSA 48620)
(2) Kingman County & Harper County (Non-MSA area)*

*Due to the location of our branches, the bank has chosen to only use tract 9611.00 in Kingman and 9616.00 in Harper as assessment areas. The Norwich branch is located in the 9611.00 census tract and the Argonia branch is in close proximity to the 9616.00 census tract.

HMDA Disclosure Statement

Conway Bank will be filing HMDA data for the 2024 collection year in 2025. Due to the number of reportable loans exceeding the 25 loans originated threshold in both 2022 and 2023. The last time the bank was required to report was 2018.
Reportable Originated Loans:
2021 – 21
2022 – 32
2023 – 60
2024 – 63
Home Mortgage Disclosure Act Notice

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 Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.

Loan to Deposit Ratio

The bank’s loan-to-deposit ratio for each quarter of the prior calendar year.

 

Total Loans to Total Deposits Ratio for Each Quarter of 2025

March 31, 2025: 87.53%
June 30, 2025: 86.42%
September 30, 2025: 84.45%
December 31, 2025: %

Total Loans to Total Deposits Ratio for Each Quarter of 2024

March 31, 2024: 91.95%
June 30, 2024: 86.06%
September 30, 2024: 90.97%
December 31, 2024: 90.46%