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No. 12 Week ending March 23, 2024 Board Actions Regulations and Policies Reglation BB (Community Reinvestment)—interagency combined interim final and final rule to extend the applicability date of certain provisions of the October 2023 Community Reinvestment Act final rule (CRA final rule) and make certain technical amendments to the CRA final rule and related regulations. Approved: March 20, 2024 FEDERAL RESERVE RELEASE H.2 Actions Under Delegated Authority Bank Branches, Domestic Chicago Johnson Bank, Racine, Wisconsin—to establish a branch at 448 S. Gammon Road, Madison, Wisconsin. Approved: March 22, 2024 Richmond Atlantic Union Bank, Richmond, Virginia—to establish a branch at 13986 Metrotech Drive, Chantilly, Virginia. Approved: March 20, 2024 First Bank, Strasburg, Virginia—to establish a branch at 310 First Street, Roanoke, Virginia. Approved: March 19, 2024 Bank Holding Companies Kansas City Panhandle Bancshares, Inc., Guymon, Oklahoma—to merge with Spearman Bancshares, Inc., and indirectly acquire First National Bank, both of Spearman, Texas. Approved: March 22, 2024 Banks, Nonmember, and Miscellaneous Institutions Director, S&R General Electric Company, Fairfield, Connecticut, and its subsidiaries and affiliates—relief from certain commitments. Granted: March 19, 2024 Banks, State Member Atlanta Regions Bank, Birmingham, Alabama—to make four public welfare investments. Approved: March 21, 2024 Change in Bank Control Chicago Talen, Inc., Traer, Iowa—the William C. Talen Revocable Trust, and Darlys Hulme, as trustee, both of Vinton, Iowa; Mary June Talen, Omaha, Nebraska; Deborah Talen and Ruth Erickson, both of Minneapolis, Minnesota; the William Talen III Revocable Trust, William Talen III and Savitri Durkee, as co-trustees, and Julie Talen, all of New York, New York; and Robert Lassiter, Marthaville, Louisiana, to retain additional voting shares of Talen, Inc., and thereby indirectly retain voting shares of Farmers Savings Bank & Trust, Traer, Iowa. Permitted: March 22, 2024 Kansas City BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Blue Ridge Bancshares, Inc., Independence, Missouri—David R. Esry, Lee’s Summit, Missouri, as General Partner of the William and Marcile Reich Family Limited Partnership, Independence, Missouri; as trustee of the David Esry Family Trust, Independence, Missouri; and as co-trustee of the Esry Family Trust, Independence, Missouri, to retain voting shares of Blue Ridge Bancshares, Inc., and thereby indirectly retain voting shares of Blue Ridge Bank, Independence, Missouri. In addition, the Esry Family Trust, David Esry; Marcie Esry, Sarasota, Florida; and William Esry, Independence, Missouri, as co-trustees, to join the Esry Family Group, a group acting in concert, to retain voting shares of Blue Ridge Bancshares, Inc., and thereby indirectly retain voting shares of Blue Ridge Bank. William Esry, Marcie Esry, and David Esry, all individually, were each previously permitted by the Federal Reserve System to acquire control of the voting shares of Blue Ridge Bancshares, Inc. Permitted: March 22, 2024 Supervision and Regulation Director, S&R Discover Financial Services, Riverwoods, Illinois—to make certain capital distributions under the capital plan rule. Approved: March 22, 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 March 23, 2024 Filer Filing Type Filing Proposal STATE STREET BANK AND TRUST COMPANY * Branch (Domestic) State Street Bank and Trust Company, Newspaper: Boston, Massachusetts, to establish a Federal Register: branch to be located at 2323 Grand Boulevard, Kansas City, Missouri. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 04/03/2024 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 March 23, 2024 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 645317 ADIRONDACK TC, SARATOGA SPRINGS, NEW YORK 09/28/2023 12/05/2022 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 3 Federal Reserve Bank of Philadelphia Filings received during the week ending March 23, 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 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 March 23, 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 504311 GENOA BKG CO, GENOA, OHIO 04/17/2023 09/26/2022 S Int Small Bank 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 March 23, 2024 Filer Filing Type Filing Proposal CAPITAL ONE FINANCIAL CORPORATION * 3A3 Listed Going Concern Capital One Financial Corporation, Newspaper: McLean, Virginia, to acquire 100% of Federal Register: the outstanding voting securities of Discover Financial Services, Riverwoods, Illinois, and thereby indirectly acquire Discover Bank, Greenwood, Delaware, and to acquire certain nonbank subsidiaries to include DFS Services LLC, Riverwoods, Illinois; Discover Financial Services (Canada), Inc., Vancouver, British Columbia, Canada; PULSE Network LLC, Houston, Texas; Diners Club Services Private Ltd- India, Mumbai, India; and Diners Club Services Taiwan Ltd, Taipei, Taiwan, pursuit to Sections 3 and 4 of the Bank Holding Company Act. TRUIST FINANCIAL Commitment CORPORATION Truist Financial Corporation, Inc., Newspaper: Charlotte, North Carolina, requests relief Federal Register: from commitments entered into in connection with the acquisition of SunTrust Banks, Inc., Atlanta, Georgia. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 04/20/2024 Not available 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 3019982 FREEDOM BK OF VIRGINIA, FAIRFAX, VIRGINIA 06/24/2023 10/24/2022 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 March 23, 2024 Filer Filing Type Filing Proposal SYNOVUS BANK Public Welfare Investment Synovus Bank, Columbus, Georgia, to Newspaper: make three public welfare investments. Federal Register: * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not applicable Not applicable 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 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 March 23, 2024 Filer Filing Type Filing Proposal End of Comment Period ALLY BANK Public Welfare Investment Ally Bank, Sandy, Utah, for prior approval to make a public welfare investment pursuant to section 208.22(b)(1)(iv)(A) of Regulation H. Newspaper: Federal Register: Not applicable Not applicable ALLY BANK Public Welfare Investment Ally Bank, Sandy, Utah to make a public Newspaper: welfare investment pursuant to section Federal Register: 208.22(b)(1)(iv)(A) of Regulation H. Not applicable Not applicable GREENFIELD BANCORPORATIO N, LTD. Change in Bank Control The Jim and Peggy Scott Trust, James Newspaper: L. Scott and Peggy A. Scott as coFederal Register: trustees, all of Fontanelle, Iowa; together with, Brad A. Lydon and Jana F. Lydon, both of Fontanelle, Iowa; and Jessica C. Christensen and Joshua J. Christensen , both of Greenfield, Iowa, together as a group acting in concert, to retain control of the voting share of Greenfield Bancorporation, Ltd, Greenfield, Iowa and thereby indirectly control Union State Bank, Greenfield, Iowa. Not available 03/19/2024 SmartBiz Bancshares * 3A1 Billfloat, Inc., dba SmartBiz Loans, San Newspaper: Francisco, California, to become a bank Federal Register: holding company through merging its wholly-owned subsidiary, Caletta Merger Sub, Inc., Wilmington, Delaware, with United Community Bancshares, Inc., Northbrook, Illinois, and thereby indirectly acquiring control of Centrust Bank, N.A., Northbrook, Illinois. Following that merger, United Community Bancshares would merge with SmartBiz, with United Community Bancshares surviving. United Community Bancshares would then be renamed SmartBiz Bancshares, Inc., and Centrust Bank, N.A. would be renamed SmartBiz Bank, N.A. Not available 04/12/2024 * Subject to the provisions of the Community Reinvestment Act District: 7 Federal Reserve Bank of Chicago Filings received during the week ending March 23, 2024 Filer Filing Type Filing Proposal TRI-COUNTY FINANCIAL GROUP, INC. Change in Bank Control Castle Creek Capital Partners VI, LP, Newspaper: San Diego, California, to acquire voting Federal Register: shares of Tri-County Financial Group, Inc., and thereby indirectly acquire voting shares of First State Bank, both of Mendota, Illinois. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available 02/12/2024 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 643340 EASTERN MI BK, CROSWELL, MICHIGAN 01/20/2024 07/17/2023 S Int Small Bank 2958972 NORTHSTAR BK, BAD AXE, MICHIGAN 07/10/2023 02/06/2023 S Int Small Bank 247140 ONE CMNTY BK, OREGON, WISCONSIN 04/28/2023 11/28/2022 S Int Small Bank 448040 OXFORD BK, OXFORD, MICHIGAN02/16/2024 05/15/2023 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 March 23, 2024 Filer Filing Type LBT BANCSHARES, Change in Bank INC. Control Filing Proposal End of Comment Period Notice by The Daniel D. Fleming Trust, Newspaper: dated October 17, 1997, Daniel D. Federal Register: Fleming, Trustee, and Daniel D. Fleming, individually, both of Carlinville, Illinois; The William D. Fleming Revocable Trust, William D. Fleming, Trustee, William D. Fleming, individually, The Andrew W. Fleming Trust, Andrew W. Fleming, Trustee, Bailey D. Fleming Living Trust, Bailey D. Fleming, Trustee, The Jacob W. Fleming Trust, Jacob W. Fleming, Trustee, Jacob W. Fleming, individually, Delia R. Fleming, UTMA, Andrew W. Fleming, Custodian, Luke A. Fleming, UTMA, Andrew W. Fleming, Custodian, Max J. Fleming, UTMA, Jacob W. Fleming, Custodian, Miles J. Fleming, UTMA, Jacob W. Fleming, Custodian, Sydney E. Fleming, UTMA, Jacob W. Fleming, Custodian, all of Litchfield, Illinois; and The Eaden Fleming Trust, Eaden Danae Nellyn Fleming, Trustee, Mt. Olive, Illinois, as the Fleming Family Control Group, a group acting in concert, to retain 25 percent or more of the voting shares of LBT Bancshares, Inc., and thereby indirectly retain voting shares of Bank & Trust Company, both of Litchfield, Illinois, and Security National Bank, Witt, Illinois. * Subject to the provisions of the Community Reinvestment Act 04/15/2024 04/15/2024 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 785473 FIRST SAVINGS BK, JEFFERSONVILLE, INDIANA 04/24/2023 04/18/2022 S Int Small Bank 185859 LINDELL B&TC, SAINT LOUIS, MISSOURI 12/18/2023 09/05/2023 S Int Small Bank 266945 MONTICELLO BKG CO, MONTICELLO, KENTUCKY 01/27/2024 09/05/2023 S Int Small Bank 3374412 OAKSTAR BK, SPRINGFIELD, MISSOURI 12/19/2022 06/13/2022 S Int Small Bank OLD MO BK, SPRINGFIELD, MISSOURI CRA Examinations scheduled for Quarter of 49241 RELYANCE BK, WHITE HALL, ARKANSAS 06/03/2023 03/06/2023 S Int Small Bank 09/23/2023 06/05/2023 S Int Small Bank 2785646 Institution 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 March 23, 2024 Filer Filing Type Filing Proposal CATTAIL BANCSHARES, INC. Change in Bank Control Keith Markwardt, Buffalo, Minnesota, Newspaper: and Daniel Spiller, Minneapolis, Federal Register: Minnesota, to be added as trustees of the Ella Elizabeth Meyerson 2008 Irrevocable GST Trust dated December 22, 2008, Atwater, Minnesota, which is a member of the Meyerson Family Control Group, a group acting in concert, to acquire voting shares of Cattail Bancshares, Inc., Atwater, Minnesota, and thereby indirectly acquire voting shares of Harvest Bank, Kimball, Minnesota, and Citizens State Bank of Waverly, Inc., Waverly, Minnesota. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 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 NONE 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 March 23, 2024 Filer Filing Type Filing Proposal COMMERCE FINANCIAL COMPANY Change in Bank Control Too Many Investors, LLC and Dallen Newspaper: Jon (D.J.) Hogstad, both of Comanche, Federal Register: Oklahoma, to become members of the Hogstad Control Group, a group acting in concert, to retain voting shares of Commerce Financial Company, and thereby indirectly retain voting shares of Bank of Commerce, both of Duncan, Oklahoma. 04/08/2024 04/11/2024 PINNACLE BANCORP, INC. Change in Bank Control PBI Trust 35, Grand Island, Nebraska, Newspaper: Thomas S. Dinsdale, Grand Island, Federal Register: Nebraska, as trustee, to retain voting shares of Pinnacle Bancorp, Inc., Omaha, Nebraska, and thereby indirectly retain shares of Pinnacle Bank, Lincoln, Nebraska; Pinnacle Bank, Fort Worth, Texas; Pinnacle Bank-Wyoming, Cody, Wyoming; and Bank of Colorado, Fort Collins, Colorado; and to be approved as a member of the Dinsdale Family Group, a group acting in concert. 04/09/2024 04/11/2024 * Subject to the provisions of the Community Reinvestment Act End of Comment Period 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 1836701 ENTERPRISE BK, OMAHA, NEBRASKA 10/23/2023 08/07/2023 S Int Small Bank 285852 FIRST OPTION BK, OSAWATOMIE, KANSAS 06/16/2023 03/06/2023 S Int Small Bank 554857 FIVE POINTS BK, GRAND ISLAND, 06/10/2023 NEBRASKA 03/13/2023 O Int Small Bank 669555 MIDWEST BK, PIERCE, NEBRASKA 11/27/2023 S Int Small Bank CRA Examinations scheduled for Institution 02/26/2024 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 March 23, 2024 Filer Filing Type Filing Proposal FIRST FINANCIAL BANK, NATIONAL ASSOCIATION Membership First Financial Bank, National Newspaper: Association, Abilene, Texas, to become Federal Register: a member of the Federal Reserve System Not applicable Not applicable TEXAS REGIONAL BANK * Branch (Domestic) Texas Regional Bank, Harlingen, Texas Newspaper: to establish a branch at 601 Main Street, Federal Register: Kerrville, Texas 78028 Not available Not applicable * Subject to the provisions of the Community Reinvestment Act End of Comment Period 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 March 23, 2024 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
@FedFRASER