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No. 30 Week ending July 27, 2024 Board Actions Bank Holding Companies A.N.B. Holding Company, Ltd., Terrell, Texas—to acquire shares of The ANB Corporation, which controls The American National Bank of Texas, both of Terrell, Texas. Approved: July 26, 2024 Enforcement Jiko Group, Inc., San Francisco, California—consent cease-and-desist order.* Announced: July 19, 2024 *Addition North Shore Bank of Commerce, Duluth, Minnesota—consent order of assessment of a civil money penalty. Announced: July 23, 2024 Silvergate Bank and Silvergate Capital Corporation, both of La Jolla, California—termination of the consent cease-and-desist order dated May 23, 2023. Announced: July 26, 2024 Forms FR 2023—final Board review to extend with revision the Senior Financial Officer Surveys. Approved: July 23, 2024 FR 3059—final Board review to extend without revision the Survey of Consumer Finances. Approved: July 23, 2024 FR 4199—initial Board review to extend without revision the Basel II Interagency Pillar 2 Supervisory Guidance. Approved: July 23, 2024 FR GG—final Board review to extend without revision the Recordkeeping Requirements Associated with Regulation GG. Approved: July 23, 2024 FR K-1—final Board review to extend without revision the International Applications and Prior Notifications under Subparts A and C of Regulation K. FEDERAL RESERVE RELEASE H.2 Approved: July 23, 2024 FR M—final Board review to extend without revision the Recordkeeping and Disclosure Requirements Associated with the CFPB's Regulation M. Approved: July 23, 2024 FR Y-3, FR Y-3N, and FR Y-4—final Board review to extend with revision the Bank Holding Company Applications and Notifications. Approved: July 23, 2024 FR Y-3F—final Board review to extend with revision the Application for a Foreign Organization to Acquire a U.S. Bank or Bank Holding Company. Approved: July 23, 2024 Regulations and Policies Bank-Fintech Arrangements—interagency request for information and comment on bank-fintech arrangements involving banking products and services distributed to consumers and businesses. Approved: July 24, 2024 Regulatory Review—interagency notice and request for comment on the second in a series of regulations for review under the Economic Growth and Regulatory Paperwork Reduction Act of 1996, to include the categories of consumer protection; directors, officers, and employees; and money laundering. Approved: July 23, 2024 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Actions Under Delegated Authority Bank Branches, Domestic Dallas Susser Bank, Dallas, Texas—to establish a branch at 6900 North Dallas Parkway, Plano, Texas. Approved: July 23, 2024 Bank Holding Companies Kansas City Stockmens Financial Corporation, Rapid City, South Dakota—to acquire voting shares of AgCredit, Inc., Chadron, Nebraska, and thereby engage in extending credit, activities related to extending credit, community development activities, and data processing activities. Approved: July 22, 2024 St. Louis Arlo Financial Holdings, Inc., Springfield, Missouri—to become a bank holding company by acquiring Systematic Savings Bank, Springfield, Missouri. Approved: July 24, 2024 Banks, Foreign Director, S&R Resona Bank, Limited, Osaka, Japan—to establish a representative office in Los Angeles, California.* Approved: July 19, 2024 *Addition Banks, State Member San Francisco Pacific Premier Bank, Irvine, California—to make a public welfare investment. Approved: July 24, 2024 Change in Bank Control Kansas City First Commerce Financial Corporation, Marysville, Kansas—Daniel J. Smerchek; the Daniel J. Smerchek Pecuniary GST Trust, Daniel J. Smerchek, trustee, and Sonja C. Smerchek, all of Waterville, Kansas; and the Haley M. Johnson GST Trust dated September 26, 2018, Haley M. Johnson, trustee, Grand Prairie, Texas, to acquire voting shares of First Commerce Financial Corporation and thereby indirectly acquire voting shares of First Commerce Bank, Marysville, Kansas, and to join the Smerchek Family Control Group; and for Daniel J. Smerchek to become the largest individual controlling shareholder. Permitted: July 24, 2024 Extensions of Time Secretary Discover Financial Services, Riverwoods, Illinois—extension of time to comply with certain regulatory reporting requirements. BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Granted: July 26, 2024 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov District: 1 Federal Reserve Bank of Boston Filings received during the week ending July 27, 2024 Filer Filing Type Filing Proposal BROOKLINE BANK * Branch (Domestic) Brookline Bank, Brookline, Massachusetts, to establish a branch facility at 435 Winthrop Avenue, Lawrence, Massachusetts. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Newspaper: Federal Register: 08/07/2024 Not applicable District: 1 Federal Reserve Bank of Boston The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 1008674 READING CO-OP BK, READING, MASSACHUSETTS 02/11/2024 07/31/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 2 Federal Reserve Bank of New York Filings received during the week ending July 27, 2024 Filer Filing Type Filing Proposal End of Comment Period MANUFACTURERS Public Welfare AND TRADERS Investment TRUST COMPANY Manufacturers and Traders Trust Newspaper: Company, Buffalo, New York, to make a Federal Register: public welfare investment, pursuant to Section 208.22(d) of Regulation H. Not applicable Not applicable MANUFACTURERS Public Welfare AND TRADERS Investment TRUST COMPANY Manufacturers and Traders Trust Newspaper: Company, Buffalo, New York, to make a Federal Register: public welfare investment, pursuant to Section 208.22(d) of Regulation H. Not applicable Not applicable * Subject to the provisions of the Community Reinvestment Act District: 2 Federal Reserve Bank of New York The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 645317 ADIRONDACK TC, SARATOGA SPRINGS, NEW YORK 09/28/2023 12/05/2022 S Int Small Bank 722816 SOLVAY BK, SOLVAY, NEW YORK 02/04/2024 06/26/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 3 Federal Reserve Bank of Philadelphia Filings received during the week ending July 27, 2024 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 3 Federal Reserve Bank of Philadelphia The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 3603961 VICTORY BK, LIMERICK, PENNSYLVANIA 06/14/2024 07/10/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 4 Federal Reserve Bank of Cleveland Filings received during the week ending July 27, 2024 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 4 Federal Reserve Bank of Cleveland The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 853112 HEARTLAND BK, WHITEHALL, OHIO 12/17/2023 04/11/2022 O Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 5 Federal Reserve Bank of Richmond Filings received during the week ending July 27, 2024 Filer Filing Type Filing Proposal FIRST CAPITAL BANK Membership Application for Federal Reserve System Newspaper: Membership Federal Register: * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not applicable Not applicable District: 5 Federal Reserve Bank of Richmond The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 886624 CLEAR MNT BK, BRUCETON MILLS, WEST VIRGINIA 11/19/2023 06/05/2023 S Int Small Bank 3567269 SELECT BK, FOREST, VIRGINIA 06/01/2024 04/17/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 6 Federal Reserve Bank of Atlanta Filings received during the week ending July 27, 2024 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 6 Federal Reserve Bank of Atlanta The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 353238 CENTRAL ST BK, CALERA, ALABAMA 03/07/2024 09/25/2023 S Int Small Bank 956938 PRIORITYONE BK, MAGEE, MISSISSIPPI 04/27/2024 10/30/2023 S Int Small Bank 479839 TENNESSEE ST BK, PIGEON FORGE, TENNESSEE 10/29/2023 06/12/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 7 Federal Reserve Bank of Chicago Filings received during the week ending July 27, 2024 Filer Filing Type FRIENDSHIP STATE BANK, THE * Branch (Domestic) The Friendship State Bank, Friendship, Newspaper: Indiana to establish a branch facility at Federal Register: 24571 Stateline Road, Bright, Indiana. 07/19/2024 Not applicable THUMB BANK & TRUST * 18C Thumb Bank & Trust, Pigeon, Michigan Newspaper: * Branch (Domestic) to merge, through its wholly owned Federal Register: subsidiary FSB Interim Bank, with Freeland State Bank, Freeland, Michigan. As a result of the merger, Thumb Bank & Trust, Pigeon, Michigan will establish a branch office at 185 E. Washington Road, Freeland, Michigan . Not available Not applicable WHITNEY Change in Bank CORPORATION OF Control IOWA Filing Proposal End of Comment Period Jason C. Nicholas Bank Trust, Jason C. Newspaper: Nicholas, trustee, both of Atlantic, Iowa Federal Register: to acquire voting shares of Whitney Corporation of Iowa and thereby indirectly acquire voting shares of First Whitney Bank and Trust, both of Atlantic, Iowa. * Subject to the provisions of the Community Reinvestment Act Not available 08/13/2024 District: 7 Federal Reserve Bank of Chicago The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 711548 CHELSEA ST BK, CHELSEA, MICHIGAN 06/10/2024 02/26/2024 S Int Small Bank 502746 COMMUNITY ST BK, AVILLA, INDIANA 06/15/2024 03/04/2024 S Int Small Bank 643340 EASTERN MI BK, CROSWELL, MICHIGAN 01/20/2024 07/17/2023 S Int Small Bank 3804535 GUARANTY BK, SPRINGFIELD, MISSOURI 03/31/2024 05/01/2023 S Int Small Bank 2958972 NORTHSTAR BK, BAD AXE, MICHIGAN 07/10/2023 02/06/2023 S Int Small Bank 448040 OXFORD BK, OXFORD, MICHIGAN02/16/2024 05/15/2023 S Int Small Bank 08/14/2023 S Int Small Bank 01/22/2024 S CRA Examinations scheduled for Quarter of 695349 TRI-COUNTY BK, BROWN CITY, MICHIGAN 04/06/2024 433943 NONE 05/05/2024 Institution WASHINGTON ST BK, WASHINGTON, IOWA Location * Subject to the provisions of the Community Reinvestment Act Quarter Int Small Bank District: 8 Federal Reserve Bank of St. Louis Filings received during the week ending July 27, 2024 Filer Filing Type Filing Proposal CAMPBELL HILL BANCSHARES, INC. Change in Bank Control Notice by the Gary D. Misselhorn Trust, Newspaper: Gary D. Misselhorn and Barbara A. Federal Register: Misselhorn as co-trustees, Gary D. Misselhorn, individually, all of Campbell Hill, Illinois; Hilary Sternberg, Redbud, Illinois; and Clint E. Misselhorn, Carterville, Illinois, to establish the Misselhorn Family Control Group, a group acting in concert to retain voting shares of Campbell Hill Bancshares, Inc., and thereby indirectly retain voting shares of First State Bank of Campbell Hill, both of Campbell Hill, Illinois. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 08/07/2024 08/14/2024 District: 8 Federal Reserve Bank of St. Louis The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 879644 BANK OF ADVANCE, ADVANCE, MISSOURI 11/03/2023 07/24/2023 S Int Small Bank 856748 CITIZENS BK, BATESVILLE, ARKANSAS 03/30/2024 05/15/2023 S Int Small Bank 137447 FNB CMNTY BK, VANDALIA, ILLINOIS 11/03/2023 07/24/2023 S Int Small Bank 3804535 GUARANTY BK, SPRINGFIELD, MISSOURI 03/31/2024 05/01/2023 S Int Small Bank 185859 LINDELL B&TC, SAINT LOUIS, MISSOURI 12/18/2023 09/05/2023 S Int Small Bank MONTICELLO BKG CO, MONTICELLO, KENTUCKY CRA Examinations scheduled for Quarter of 3374412 OAKSTAR BK, SPRINGFIELD, MISSOURI 01/27/2024 09/05/2023 S Int Small Bank 12/19/2022 06/13/2022 S Int Small Bank 3120646 NONE PATRIOT BK, MILLINGTON, TENNESSEE 07/23/2022 02/07/2022 S Int Small Bank 49241 RELYANCE BK, WHITE HALL, ARKANSAS 09/23/2023 06/05/2023 S Int Small Bank 266945 Institution Location * Subject to the provisions of the Community Reinvestment Act Quarter District: 9 Federal Reserve Bank of Minneapolis Filings received during the week ending July 27, 2024 Filer Filing Type BANK FORWARD * 3A3 EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST Filing Proposal End of Comment Period Bank Forward Employee Stock Newspaper: Ownership Plan and Trust to acquire up Federal Register: to 43.11 percent of the voting shares of Security State Bank Holding Company, and thereby indirectly acquire voting shares of Bank Forward, all of Fargo, North Dakota. * Subject to the provisions of the Community Reinvestment Act Not available Not available District: 9 Federal Reserve Bank of Minneapolis The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 613156 FIRST MT BK, MISSOULA, MONTANA 06/23/2024 09/11/2023 S Int Small Bank 823656 FIRST ST BK SOUTHWEST, PIPESTONE, MINNESOTA 03/18/2024 08/14/2023 O Int Small Bank 685676 OPPORTUNITY BK OF MT, HELENA, MONTANA 04/29/2024 10/24/2022 O Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending July 27, 2024 Filer Filing Type Filing Proposal SUNDANCE BANKSHARES, INC. Change in Bank Control Schloredt Family Revocable Trust and Newspaper: Jett Schloredt, as co-trustee with Dolly Federal Register: Schloredt, all of Sundance, Wyoming, to become members of the Richard Durfee Family Control Group, a group acting in concert; to acquire voting shares of Sundance Bankshares, Inc., and thereby indirectly acquire voting shares of Sundance State Bank, both of Sundance, Wyoming. Dolly Schloredt was previously permitted by the Federal Reserve System to control the voting shares of Sundance Bankshares, Inc., and Sundance State Bank. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available 08/07/2024 District: 10 Federal Reserve Bank of Kansas City The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 311050 AMERICAN HERITAGE BK, SAPULPA, OKLAHOMA 04/07/2024 08/14/2023 S Int Small Bank 482053 CITIZENS ST BK, WISNER, NEBRASKA 04/29/2024 02/12/2024 S Int Small Bank 1836701 ENTERPRISE BK, OMAHA, NEBRASKA 10/23/2023 08/07/2023 S Int Small Bank 3412417 JONAH BK, CASPER, WYOMING 06/03/2024 03/18/2024 S Int Small Bank 669555 MIDWEST BK, PIERCE, NEBRASKA 02/26/2024 11/27/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 11 Federal Reserve Bank of Dallas Filings received during the week ending July 27, 2024 Filer Filing Type Filing Proposal FROST BANK * Branch (Domestic) Frost Bank, San Antonio, Texas, to establish a branch at 9605 Coit Road, Plano, TX 75025 * Subject to the provisions of the Community Reinvestment Act End of Comment Period Newspaper: Federal Register: 08/07/2024 Not applicable District: 11 Federal Reserve Bank of Dallas The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location 3630323 THIRD COAST BK SSB, HUMBLE, 08/14/2022 TEXAS CRA Examinations scheduled for Institution Exam Date CRA Public Date CRA Rating Exam Method 04/25/2022 S Int Small Bank Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 12 Federal Reserve Bank of San Francisco Filings received during the week ending July 27, 2024 Filer Filing Type Filing Proposal MONTECITO BANCORP Change in Bank Control Steven C. Zola, trustee of the MBC Newspaper: Trust u/a/d April 1, 2017, Santa Barbara, Federal Register: California; to become a member of a control group comprised of the MBC Trust, Santa Barbara, California; Michelle Konoske, Santa Barbara, California; and Joshua Rabinowitz, Santa Barbara, California; as Trustees of the MBC Trust; to acquire voting shares of Montecito Bancorp; and thereby indirectly acquire voting shares of Montecito Bank & Trust, both of Santa Barbara, California. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available Not available District: 12 Federal Reserve Bank of San Francisco The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method NONE CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter
@FedFRASER