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No. 22 Week ending June 3, 2023

Board Actions
Enforcement
Silvergate Capital Corporation and Silvergate Bank, both of La Jolla, California—consent cease-and-desist
order pursuant to the Federal Deposit Insurance Act and the California Financial Code.
Announced: June 1, 2023

Forms
Forms—final Board review to extend without revision the Filings Related to the Gramm-Leach-Bliley Act
(FR 4010, FR 4011, FR 4012, FR 4017, FR 4019, and FR 4023).
Approved: May 31, 2023
Forms—final Board review to extend with revision the Registration of Mortgage Loan Originators (CFPB G).
Approved: May 31, 2023
Forms—final Board review to extend with revision the Survey of Small Business and Farm Lending
(FR 2028).
Approved: May 31, 2023
Forms—final Board review to extend without revision the Notification of Nonfinancial Data Processing
Activities (FR 4021).
Approved: May 31, 2023

Regulations and Policies
Automated Valuation Models—interagency notice of proposed rulemaking and request for comment on a
proposal that would implement quality control standards for certain automated valuation models.
Approved: May 31, 2023
Credit Losses—final notice of revised Interagency Policy Statement on Allowances for Credit Losses. *
Approved: April 13, 2023
*Addition

Actions Under Delegated Authority
Bank Branches, Domestic
Cleveland
Buckeye Community Bank, Lorain, Ohio—to establish a branch at 106 South Center Street, LaGrange,
Ohio.
Approved: June 2, 2023
First Financial Bank, Cincinnati, Ohio—to establish a branch at 7615 Reading Road, Cincinnati, Ohio.
Withdrawn: May 31, 2023

Richmond
The Bank of Marion, Marion, Virginia—to establish a branch at 220 West Main Street, Radford, Virginia,
and to increase its investment in bank premises.
Approved: June 2, 2023

St. Louis
First Bank, Creve Coeur, Missouri—to establish a branch at 2600 Via De La Valle, Del Mar, California.
Approved: June 1, 2023
Peoples Bank, Sheridan, Arkansas—to establish a branch at 1800 Military Road, Benton, Arkansas.
Approved: June 1, 2023

Bank Holding Companies
Chicago
Capra Financial Inc., Montezuma, Iowa—to become a bank holding company by acquiring Peoples Savings
Bank, Montezuma, Iowa.
Withdrawn: May 30, 2023

Kansas City
1905 Nekota Bankcorp, Inc., Lewellen, Nebraska—to become a bank holding company by acquiring
Lewellen National Corp. and thereby indirectly acquiring Bank of Lewellen, both of Lewellen, Nebraska.
Approved: June 2, 2023

Richmond
Sandy Spring Bancorp, Inc., Olney, Maryland—request by Endicott Group and its affiliates for relief from
certain commitments. *
Granted: May 16, 2023
*Addition

San Francisco
Lexicon Bancorp, Las Vegas, Nevada—to become a bank holding company by acquiring Lexicon Bank,
Las Vegas, Nevada.
Approved: May 30, 2023

BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM

www.federalreserve.gov

West Coast Community Bancorp, Santa Cruz, California—to become a bank holding company by acquiring
Santa Cruz County Bank, Santa Cruz, California.
Approved: June 2, 2023

Banks, State Member
Dallas
Charles Schwab Bank, SSB, Westlake, Texas—to make certain public welfare investments (two requests).
*
Approved: May 17, 2023
*Addition

Change in Bank Control
Chicago
A. M. Saylor, Incorporated, Hampton, Iowa—David Oren Nelson Living Trust dated January 28, 2022,
Memphis, Tennessee; David Oren Nelson, as trustee, Somerville, Tennessee; to retain voting shares of
A. M. Saylor, Incorporated, and thereby indirectly retain voting shares of First Hampton Bank, Hampton,
Iowa.
Permitted: June 1, 2023
ServBanc Holdco, Inc., Phoenix, Arizona—Stavros Papastavrou and Sofia Elizabeth Papastavrou, as cotrustees of the Jennifer Papastavrou 2023 Trust fbo Stavros Papastavrou, and more, all of Old Westbury,
New York; to join Stavros Papastavrou and form the Papastavrou Family Control Group, a group acting in
concert, to acquire voting shares of ServBanc Holdco, Inc., and thereby indirectly acquire control of Allied
First Bank, Oswego, Illinois.
Permitted: June 2, 2023

Membership
Richmond
Coastal State Bank, Hilton Head Island, South Carolina—to become a member of the Federal Reserve
System.
Approved: June 1, 2023

Supervision and Regulation
Director, S&R
BMO Financial Corp., Wilmington, Delaware—to make capital distributions in the second quarter of 2023
after the occurrence of an event requiring resubmission of its capital plan.
Approved: June 2, 2023

BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM

www.federalreserve.gov

District: 1
Federal Reserve Bank of Boston
Filings received during the week ending June 3, 2023

Filer

Filing Type

Filing Proposal

PROVIDENT
BANCORP, INC.

Change in Bank
Control

Stilwell Activist Investments, L.P.,
Newspaper:
Stilwell Activist Fund, L.P., and Stilwell Federal Register:
Partners, L.P., known as The Stilwell
Group, all of New York, New York;
Stilwell Value LLC, New York, New
York, the general partner of each of the
limited partnerships; Joseph D. Stilwell,
San Juan, Puerto Rico, managing
member of Stilwell Value LLC, a group
acting in concert, to acquire additional
common stock of Provident Bancorp,
Inc., Amesbury, Massachusetts, parent
of Provident Bank, Amesbury,
Massachusetts.

STATE STREET
BANK AND TRUST
COMPANY

Investment

State Street Bank and Trust Company Newspaper:
(“SSBT”), Boston, Massachusetts, and Federal Register:
SSBT’s Edge corporation subsidiary,
State Street International Holdings
(“SSIH” and, together with its and
SSBT’s subsidiaries and State Street
Corporation (“SSC”) and its subsidiaries,
“State Street”), Boston, Massachusetts,
hereby provide this thirty days’ prior
notice, pursuant to Section 211.9(f) of
Regulation K, of their intention to make
an additional investment in certain Edge
corporation subsidiaries. More
specifically, this notice is being made in
connection with a proposal to provide
additional capital to State Street Bank
International GmbH (“SSBI”), a whollyowned, indirect subsidiary of SSIH.

* Subject to the provisions of the Community Reinvestment Act

End of Comment Period

06/22/2023
06/23/2023

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

61476

ABINGTON BK, ABINGTON,
MASSACHUSETTS

12/18/2022

07/18/2022

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 June 3, 2023

Filer

Filing Type

Filing Proposal

NONE

* Subject to the provisions of the Community Reinvestment Act

End of Comment Period

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

NONE

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 June 3, 2023

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

NONE

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 June 3, 2023

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

504311

GENOA BKG CO, GENOA, OHIO

04/17/2023

09/26/2022

S

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 June 3, 2023

Filer

Filing Type

Filing Proposal

NONE

* Subject to the provisions of the Community Reinvestment Act

End of Comment Period

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

94522

BENCHMARK CMNTY BK,
KENBRIDGE, VIRGINIA

02/04/2023

08/15/2022

S

Int Small Bank

214722

CHESAPEAKE BK, KILMARNOCK, 11/14/2022
VIRGINIA

06/13/2022

S

Int Small Bank

713926

FARMERS & MERCHANTS BK,
TIMBERVILLE, VIRGINIA

09/18/2022

04/04/2022

S

Int Small Bank

417626

PUTNAM CTY BK, HURRICANE,
WEST VIRGINIA

08/29/2022

04/25/2022

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 June 3, 2023

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

2877345

INSBANK, NASHVILLE,
TENNESSEE

02/05/2023

11/07/2022

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 June 3, 2023

Filer

Filing Type

Filing Proposal

BOSSHARD
FINANCIAL
GROUP, INC.

Change in Bank
Control

Dairyland Bank Holding Corporation, La Newspaper:
Crosse, WI, and its shareholders,
Federal Register:
William Bosshard, and Andrew
Bosshard, Joseph Bosshard, Makenzie
Bosshard, Carlista Bosshard, and John
Bosshard as Tenants in Common,
intend to apply to the Federal Reserve
Board for permission to become
members of the Bosshard Family
Control Group, a group acting in
concert, to acquire less than 5 percent
of the voting shares of Bosshard
Financial Group, Inc., La Crosse,
Wisconsin, and thereby indirectly
acquire voting shares of One
Community Bank, Oregon, Wisconsin.

ONE COMMUNITY
BANK

* 18C
One Community Bank, Oregon,
Newspaper:
* Branch (Domestic) Wisconsin to merge with Farmers State Federal Register:
Bank - Hillsboro, Hillsboro, Wisconsin,
pursuant to section 18(c) of the Federal
Deposit Insurance Act. As a result of
the merger, One Community Bank will
establish branches located at 726 Water
Avenue, Hillsboro, Wisconsin; 119 Main
Street, La Farge, Wisconsin; 111 W
Wisconsin Avenue, Readstown,
Wisconsin; 226 Center Street,
Wonewoc, Wisconsin; and 435 Bridge
Street, Wonewoc, Wisconsin, pursuant
to section 9 of the Federal Reserve Act.

PETEFISH, SKILES * 3A3
BANCSHARES,
INC.

End of Comment Period

Petefish, Skiles Bancshares, Inc.,
Newspaper:
Virginia, Illinois to acquire First National Federal Register:
Bank of Beardstown, Beardstown,
Illinois.

* Subject to the provisions of the Community Reinvestment Act

Not available
Not available

Not available
Not applicable

Not available
Not available

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

830542

CBI B&TC, MUSCATINE, IOWA

11/14/2022

07/18/2022

S

Int Small Bank

113740

FIRST ST BK, EASTPOINTE,
MICHIGAN

09/12/2022

03/14/2022

S

Int Small Bank

247140

ONE CMNTY BK, OREGON,
WISCONSIN

04/28/2023

11/28/2022

S

Int Small Bank

269049

VISIONBANK OF IA, AMES, IOWA 05/21/2023

02/27/2023

S

Int Small Bank

CRA Examinations scheduled for
Institution

Quarter of
Location

NONE

* Subject to the provisions of the Community Reinvestment Act

Quarter

District: 8
Federal Reserve Bank of St. Louis
Filings received during the week ending June 3, 2023

Filer

Filing Type

Filing Proposal

ANSTAFF BANK

Membership

Anstaff Bank, Green Forest, Arkansas, Newspaper:
to become a member of the Federal
Federal Register:
Reserve System

Not applicable
Not applicable

LITCHFIELD
BANCSHARES
COMPANY

Change in Bank
Control

Notice by Austin F. Clark, Imperial,
Newspaper:
Missouri; Dillon C. Clark, Greta J.
Federal Register:
Fleming, Ellen C. Fleming, and Olivia G.
Fleming, all of Litchfield, Illinois, to join
the Fleming Family Control Group, a
group acting in concert, which will retain
of 25 percent or more of the voting
shares of Litchfield Bancshares
Company, Inc., and thereby indirectly
retain voting shares of The Litchfield
National Bank, both of Litchfield, Illinois.

06/23/2023
06/26/2023

* Subject to the provisions of the Community Reinvestment Act

End of Comment Period

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

192147

CITIZENS B&TC, VAN BUREN,
ARKANSAS

01/29/2023

10/24/2022

S

Int Small Bank

3374412

OAKSTAR BK, SPRINGFIELD,
MISSOURI

12/19/2022

06/13/2022

S

Int Small Bank

CRA Examinations scheduled for
Institution

Quarter of
Location

NONE

* Subject to the provisions of the Community Reinvestment Act

Quarter

District: 9
Federal Reserve Bank of Minneapolis
Filings received during the week ending June 3, 2023

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST
* Branch (Domestic) First Interstate Bank, Fargo, North
INTERSTATE BANK
Dakota, to establish a branch at 5650
34th Avenue East, Suite 100, Fargo,
North Dakota.

Newspaper:
Federal Register:

06/08/2023
Not applicable

HERITAGE
* 3A3
BANCSHARES
GROUP INC.
EMPLOYEE STOCK
OWNERSHIP PLAN
AND TRUST

Heritage Bancshares Group Inc.
Employee Stock Ownership Plan and
Trust to acquire up to 41.12 percent of
the voting shares of Heritage
Bancshares Group, Inc., and thereby
indirectly acquire voting shares of
Heritage Bank, N.A., all of Spicer,
Minnesota.

Newspaper:
Federal Register:

Not available
Not available

MINNEHAHA
BANSHARES, INC.

The Richard C Baker Irrevocable Trust Newspaper:
and William L Baker, as business
Federal Register:
advisor of the trust, and member of the
Baker Family Group, a group acting in
concert, to retain voting shares of
Minnehaha Banshares Inc., and thereby
indirectly retain voting shares of First
National Bank in Sioux Falls, all of Sioux
Falls, South Dakota. Additionally, the
Richard C Baker Irrevocable Trust to
join the Baker Family Group.

Not available
06/20/2023

Change in Bank
Control

* Subject to the provisions of the Community Reinvestment Act

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

160650

CHARTER BK, EAU CLAIRE,
WISCONSIN

09/12/2022

04/11/2022

S

Int Small Bank

687951

FIRST WESTERN B&TC, MINOT,
NORTH DAKOTA

07/29/2022

03/14/2022

S

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 June 3, 2023

Filer

Filing Type

STURM FINANCIAL Change in Bank
GROUP, INC.
Control

Filing Proposal

End of Comment Period

Stephen F. Sturm, as co-trustee of the Newspaper:
2019 Emily Sarah Sturm Trust I dated Federal Register:
March 28, 2019, and the Number Two-A
Irrevocable Trust dated December 19,
2012; and Emily S. Sturm, as co-trustee
of the 2019 Stephen Forrest Sturm Trust
I dated March 28, 2019, and the
Number One-A Irrevocable Trust dated
December 19, 2012, all of Denver,
Colorado, to become members of the
Sturm Family Control Group, a group
acting in concert, to acquire shares of
Sturm Financial Group, Inc, and thereby
indirectly acquire ANB Bank, Denver,
Colorado.

* Subject to the provisions of the Community Reinvestment Act

06/21/2023
06/22/2023

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

530655

PEOPLES BK, PRATT, KANSAS

07/11/2022

04/25/2022

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 June 3, 2023

Filer

Filing Type

Filing Proposal

FROST BANK

* Branch (Domestic) Frost Bank, San Antonio, Texas to
establish a branch at 108 Southmore
Avenue, Pasadena, TX 77502

* Subject to the provisions of the Community Reinvestment Act

End of Comment Period

Newspaper:
Federal Register:

Not available
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

Exam Date

CRA Public Date

CRA Rating

Exam Method

262358

AMERICAN ST BK, ARP, TEXAS

01/13/2023

09/26/2022

S

Int Small Bank

965789

SUSSER BK, DALLAS, TEXAS

08/27/2022

02/28/2022

S

Int Small Bank

473266

TEXAS FIRST BK, TEXAS CITY,
TEXAS

08/07/2022

03/14/2022

S

Int Small Bank

380458

TEXAS RGNL BK, HARLINGEN,
TEXAS

01/08/2023

08/15/2022

S

Int Small Bank

3630323

THIRD COAST BK SSB, HUMBLE, 08/14/2022
TEXAS

04/25/2022

S

Int Small Bank

CRA Examinations scheduled for
Institution

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 June 3, 2023

Filer

Filing Type

Filing Proposal

NONE

* Subject to the provisions of the Community Reinvestment Act

End of Comment Period

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

1864197

OAK VALLEY CMNTY BK,
OAKDALE, CALIFORNIA

04/27/2023

01/17/2023

O

Int Small Bank

CRA Examinations scheduled for
Institution

Quarter of
Location

NONE

* Subject to the provisions of the Community Reinvestment Act

Quarter