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No. 47 Week ending November 19, 2022 Board Actions Enforcement Cecil Bancorp, Inc., and Cecil Bank, both of Elkton, Maryland—written agreement dated June 29, 2010, terminated November 3, 2022. Announced: November 17, 2022 Forms Forms—initial Board review to extend without revision the Recordkeeping and Disclosure Requirements Associated with Regulation RR (FR RR). Approved: November 16, 2022 Forms—Final Board review to extend without revision the Supporting Statement for the Savings Association Holding Company Report (FR LL-(b)11). Approved: November 16, 2022 Forms—final Board review to extend without revision the Supporting Statement for the Systemic Risk Report (FR Y-15). Approved: November 16, 2022 Forms—final Board review to extend without revision the Notice by Financial Institutions of Government Securities Broker or Government Securities Dealer Activities (Form G-FIN) and Notice by Financial Institutions of Termination of Activities as a Government Securities Broker or Government Securities Dealer (Form G-FINW). Approved: November 16, 2022 Forms—final Boad review to extend without revision the Reporting and Disclosure Requirements Related to Securities of State Member Banks as Required by Regulation H (FR H-1). Approved: November 16, 2022 Forms—final Board review to extend with revision the Transfer Agent Registration and Amendment (Form TA-1) and Transfer Agent Deregistration (Form TA-W). Approved: November 16, 2022 FEDERAL RESERVE RELEASE H.2 Supervision and Regulation Resolution Plans—results of joint reviews of the 2021 targeted resolution plans of the eight largest, most complex domestic banks. Approved: November 16, 2022 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Actions Under Delegated Authority Bank Holding Companies Atlanta Newtek Business Services Corp., Boca Raton, Florida—(1) to become a bank holding company by acquiring all of the outstanding shares of National Bank of New York City, Flushing, New York, and (2) concurrently, to form Newtek Interim Bank, National Bank, Miami, Florida, to merge with National Bank of New York City, with National Bank of New York City as the surviving institution, pursuant to sections 3(a)(1) and 3(a)(3) of the BHC Act. Approved: November 18, 2022 Chicago FVSB Mutual Bancorp, MHC, and FVSB Bancorp, Inc., both of Fond du Lac, Wisconsin—to become a mutual bank holding company and a mid-tier stock bank holding company, respectively, by acquiring Fox Valley Savings Bank, Fond du Lac, Wisconsin, in connection with the conversion of Fox Valley Savings Bank from mutual to stock form. Approved: November 16, 2022 Cleveland First Commonwealth Financial Corporation, Indiana, Pennsylvania—waiver from filing an application to acquire Centric Financial Corporation and simultaneously merge Centric Bank, both of Harrisburg, Pennsylvania, with and into First Commonwealth Bank, Indiana, Pennsylvania, pursuant to 12 CFR 225.12(d)(2). Granted: November 16, 2022 Dallas BMC Bancshares, Inc., Dallas, Texas—engaged de novo in listed activities permitted by 12 CFR 225.28(b)(3), namely leasing of personal property to third parties, through its wholly owned subsidiary, Silver Diamond, LLC. Approved: November 16, 2022 Woodforest Financial Group Employee Stock Ownership Plan (with 401(k) provisions) (amended and restated effective 1/1/16), and Woodforest Financial Group Employee Stock Ownership Trust, both of The Woodlands, Texas—to acquire shares of Woodforest Financial Group, Inc., and thereby indirectly acquire shares of Woodforest National Bank, both of The Woodlands, Texas. Approved: November 16, 2022 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Bank Holding Companies New York The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga Springs, New York—to acquire additional shares of 473 Broadway Holding Corporation and of The Adirondack Trust Company, both of Saratoga Springs, New York. Approved: November 17, 2022 Philadelphia OceanFirst Financial Corp., Toms River, New Jersey—to acquire Partners Bancorp, Salisbury, Maryland (Bancorp) and thereby indirectly acquire Bancorp's two subsidiary banks, Bank of Delmarva, Seaford, Delaware, and Virginia Partner Bank, Fredericksburg, Virginia, through their merger with and into OceanFirst Bank, Toms River, New Jersey, a wholly owned subsidiary of the Corp. Withdrawn: November 14, 2022 St. Louis BankFirst Capital Corporation, Macon, Mississippi—waiver from filing an application to acquire Mechanics Banc Holding Company and thereby indirectly acquire Mechanics Bank, both of Water Valley, Mississippi. Granted: November 14, 2022 Bank Mergers St. Louis BankFirst Financial Services, Macon, Mississippi—to merge with Mechanics Bank, Water Valley, Mississippi, and to retain the acquired facilities as branches. Approved: November 14, 2022 Change in Bank Control Cleveland The Ottoville Bank Company, Ottoville, Ohio—The Rebecca A. Moorman Revocable Living Trust, Rebecca A. Moorman, Trustee, Ottoville, Ohio; Karen S. Andrew, Brighton, Michigan; Keith W. Moorman, Ottoville, Ohio; Neil R. Moorman, Saline, Michigan; and Pamela L. Suever, Ottoville, Ohio; for permission to join the previously approved Rebecca Moorman Family Control Group and retain shares and thereby control The Ottoville Bank Company, Ottoville, Ohio. Permitted: November 15, 2022 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Change in Bank Control Dallas Big Bend Bancshares Corporation, Marfa, Texas—Cynthia Slack Shaw, Austin, Texas, to increase ownership and voting control in Big Bend Bancshares Corporation and thereby indirectly acquire additional voting shares of Big Bend Banks, N.A. (dba The Marfa National Bank), Marfa, Texas. Permitted: November 18, 2022 Central Louisiana Capital Corporation, Vidalia, Louisiana—Brian D. Campbell, Donna Miramon Campbell, Brian Douglas Campbell, Jr., the Brian D. Campbell Family Trust, Brian D. Campbell, as trustee, BDC 2021 Family Trust No. 1, Brian Douglas Campbell, Jr., and Donna Miramon Campbell, as co-trustees, Anna Kathryne Kronenberger, all of Baton Rouge, Louisiana; Catherine Campbell Niemi, Covington, Louisiana; Judith L. Campbell, St. Francisville, Louisiana; Christen Campbell Siegel, Stephen Siegel, Elizabeth Gentry Brann, all of Houston, Texas; Sarah Lauren Campbell Hughey, Judith Campbell Jones, both of Vestavia, Alabama; Richard A. Campbell III, Pelham, Alabama; Dale C. Fairbanks, Dale C. Fairbanks Family Trust, Dale C. Fairbanks, as trustee, both of Anacortes, Washington; Alma Dale Campbell Brown, New York, New York; Helene Meredith St. Clair, Hood River, Oregon; William Gilmore Fairbanks, Pensacola, Florida; and Brian D. Campbell, as co-trustee of the Central Louisiana Capital Corporation ESOP, Vidalia, Louisiana; collectively (the Notificants or Campbell/Campbell Jr./Fairbanks Control Group), to retain shares of Central Louisiana Capital Corporation and thereby indirectly retain voting shares of Delta Bank, Vidalia, Louisiana. Permitted: November 15, 2022 NewFirst Financial Group, Inc., El Campo, Texas—Lynn Ann Stovall, Louise, Texas; Eric Martin Stovall, Marathon, Texas; Megan Lynn Stovall, El Campo, Texas; and Guy F. Stovall, IV, Louise, Texas; along with trusts: The Lynn Ann Stovall and Guy F. Stovall, III Family Trust, Louise, Texas (trustees Lynn Ann Stovall, Megan Lynn Stovall, and Guy F. Stovall, IV); The Linda Joy Stovall Family Trust, Louise, Texas (trustees Guy F. Stovall, III, El Campo, Texas, Guy F. Stovall, IV, and Eric Martin Stovall); The Guy F. Stovall, Jr. and Kay Stovall Trust, Louise, Texas (trustees Guy F. Stovall, III, Guy F. Stovall, IV, and Eric Martin Stovall); The Mark Stovall Reifslager Irrevocable Trust, Louise, Texas (trustees Megan Lynn Stovall, and Guy F. Stovall, IV); The David Wesley Stovall Irrevocable Trust, Louise, Texas (trustees Guy F. Stovall, III and Guy F. Stovall, IV); The Eric Martin Stovall Irrevocable Trust, Louise, Texas (trustees Guy F. Stovall, III, and Guy F. Stovall, IV); The Megan Lynn Stovall Trust No. 1, El Campo, Texas (trustee Megan Lynn Stovall); The Guy F. Stovall, IV Trust No. 1, El Campo, Texas (trustee Megan Lynn Stovall); and The Guy F. Stovall, III and Lynn Ann Stovall Family Trust, Louise, Texas (trustee Guy F. Stovall, III); to join the Stovall Control Group, a group acting in concert, to retain shares of NewFirst Financial Group, Inc., and thereby indirectly retain voting shares of NewFirst National Bank, El Campo, Texas. Permitted: November 14, 2022 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Change in Bank Control Kansas City Carroll County Bancshares, Inc., Carrollton, Missouri—Ben Polen, a member of the Polen Cowherd Family Group, a group acting in concert, as trustee of the Emmalie Gessner Cowherd Revocable Living Trust Dated 06-29-00; the Clifton R. Cowherd Testamentary Trust; and the Carroll County Trust Company Employees Profit Sharing Plan and Trust, all of Carrollton, Missouri, to retain voting shares of Carroll County Bancshares, Inc. (Bancshares), and indirectly retain voting shares of Carroll County Trust Company of Carrollton, Missouri, Carrollton, Missouri. In addition, Dallas Polen, III, Overland Park, Kansas, to join the Polen/Cowherd Family Group and to retain voting shares of Bancshares. Permitted: November 18, 2022 Cattle Crossing, Inc., Seward, Nebraska—The Heather A. Dews Children’s Trust, Randy Dews, trustee, and Kylie Dews, voting proxy, all of Lincoln, Nebraska; and certain minor children of Roger Cattle, Lincoln, Nebraska; to join the Cattle Family Group, a group acting in concert, to retain voting shares of Cattle Crossing, Inc., and thereby indirectly retain voting shares of Cattle Bank and Trust, Seward, Nebraska. Kylie Dews and Roger Cattle were previously approved as members of the Cattle Family Group. Permitted: November 18, 2022 Orchard Bancorp, Orchard, Nebraska—The Stanley L. Clifton Family Trust, Benjamin Clifton, Andrew Clifton, all of Orchard, Nebraska; and Jennifer Frey, Norfolk, Nebraska; as co-trustees and individually, to join the Clifton Family Group, a group acting in concert, to retain voting shares of Orchard Bancorp and indirectly retain voting shares of Orchard Bank, Orchard, Nebraska. Permitted: November 17, 2022 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Change in Bank Control Minneapolis Baldwin Bancshares, Inc., Baldwin, Wisconsin—Dane L. Rasmussen, as trustee of The Debra L. Rasmussen Irrevocable Trust and the Dane L. Rasmussen Survivor's Trust, a member of the Rasmussen Family Shareholder Group, a group acting in concert, to retain voting shares of Baldwin Bancshares, Inc. (Company), and thereby indirectly retain voting shares of The First Bank of Baldwin (Bank). Additionally, the Dane L. Rasmussen Survivor's Trust to retain voting shares of Company and to join the Rasmussen Family Shareholder Group that controls Company and thereby indirectly controls Bank, all of Baldwin, Wisconsin. Permitted: November 17, 2022 Beresford Bancorporation, Inc., Britton, South Dakota—The Frank L. Farrar Dynasty Trust II, the Frank L. Farrar and Patricia J. Farrar 2022 Irrevocable Trust, Robert Farrar, as trustee of the trusts and individually, all of Britton, South Dakota; Anne M. Farrar, St. Paul, Minnesota; and Samuel Farrar Orfield, Minneapolis, Minnesota, to acquire voting shares of Beresford Bancorporation, Inc., and thereby indirectly acquire First Savings Bank, Beresford, South Dakota, as part of a group acting in concert that includes Sally A. Farrar, Arkansaw, Wisconsin; Jeanne Farrar Orfield, Minneapolis, Minnesota; Mary S. Farrar Turner, Pierre, South Dakota; Arthur Turner, Lauderdale, Minnesota; Frank Turner, Hettinger, North Dakota; and Reid Turner, Iowa City, Iowa. Permitted: November 15, 2022 Capitol Bancorporation, Inc., Britton, South Dakota—The Frank L. Farrar Dynasty Trust II, the Frank L. Farrar and Patricia J. Farrar 2022 Irrevocable Trust, Robert Farrar, as trustee of the trusts and individually, all of Britton, South Dakota; Anne M. Farrar, St. Paul, Minnesota; and Samuel Farrar Orfield, Minneapolis, Minnesota, to acquire voting shares of Capitol Bancorporation, Inc., and thereby indirectly acquire First National Bank, Ft. Pierre, South Dakota, as part of a group acting in concert that includes Sally A. Farrar, Arkansaw, Wisconsin; Jeanne Farrar Orfield, Minneapolis, Minnesota; Mary S. Farrar Turner, Pierre, South Dakota; Arthur Turner, Lauderdale, Minnesota; Frank Turner, Hettinger, North Dakota; and Reid Turner, Iowa City, Iowa. Permitted: November 15, 2022 Fulda Bancorporation Inc., Britton, South Dakota—The Frank L. Farrar Dynasty Trust II, the Frank L. Farrar and Patricia J. Farrar 2022 Irrevocable Trust, and Robert Farrar, as trustee of the trusts and individually, all of Britton, South Dakota, to acquire voting shares of Fulda Bancorporation, Inc., and thereby indirectly acquire First National Bank, Oldham, South Dakota. Permitted: November 15, 2022 San Francisco Riverbank Holding Company, Spokane, Washington—Carol K. Lawson and William J. Lawson, Spokane, Washington, to retain and acquire additional voting shares of RiverBank Holding Company and thereby indirectly acquire shares of RiverBank, Spokane, Washington. Permitted: November 18, 2022 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Savings and Loan Holding Companies Boston First Seacoast Bancorp, MHC, Dover, New Hampshire—to convert from mutual to stock form. As part of the conversion, First Seacoast Bancorp, MHC, and First Seacoast Bancorp, Dover, New Hampshire, an existing mid-tier savings and loan holding company, will cease to exist and First Seacoast Bank, Dover, New Hampshire, will become a wholly owned subsidiary of a newly formed Maryland corporation to be known as First Seacoast Bancorp, Inc., Dover, New Hampshire, which has applied to become a savings and loan holding company by acquiring First Seacoast Bank. Approved: November 14, 2022 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov District: 1 Federal Reserve Bank of Boston Filings received during the week ending November 19, 2022 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period 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 NONE 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 November 19, 2022 Filer Filing Type Filing Proposal End of Comment Period ADIRONDACK Premises TRUST COMPANY, THE The Adirondack Trust Company, Saratoga Springs, New York, to increase its investment in bank premises, pursuant to Section 24A of the Federal Reserve Act and Section 208.21 of Regulation H. Newspaper: Federal Register: Not applicable Not applicable CITIBANK OVERSEAS INVESTMENT CORPORATION Prior notice by Citibank Overseas Investment Corporation, New Castle, Delaware, to make an additional investment, pursuant to Section 211.9(f) of Regulation K. Newspaper: Federal Register: Not applicable Not applicable MANUFACTURERS * Branch (Domestic) Manufacturers and Traders Trust Newspaper: AND TRADERS Company, proposes to open a branch Federal Register: TRUST COMPANY office to be located at 124 Boston Post Road, Waterford, New London County, CT. Not available Not applicable MANUFACTURERS * Branch (Domestic) Manufacturers and Traders Trust Newspaper: AND TRADERS Company, proposes to open a branch Federal Register: TRUST COMPANY office to be located at 1095 Main Street, Newington, Hartford County, CT. Not available Not applicable PROVIDENT FINANCIAL SERVICES, INC. 12/01/2022 12/15/2022 Investment * 3A3 * 3A5 Provident Financial Services, Inc., Newspaper: Jersey City, New Jersey, to acquire Federal Register: Lakeland Bancorp, Inc., Oak Ridge, New Jersey, and thereby indirectly acquire Lakeland Bank, Newfoundland, New Jersey. * 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 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 November 19, 2022 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 November 19, 2022 Filer Filing Type Filing Proposal End of Comment Period FIFTH THIRD BANCORP Listed Going Concern Request by Fifth Third Bancorp, Cincinnati, Ohio, for prior approval to increase its community welfare investments, pursuant to Section 4(c) (8) of the Bank Holding Company Act. Newspaper: Federal Register: * Subject to the provisions of the Community Reinvestment Act Not applicable 12/02/2022 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 NONE 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 November 19, 2022 Filer Filing Type Filing Proposal PRIMIS BANK * Branch (Domestic) Primis Bank, Glen Allen, Virginia, to Newspaper: expand operations of its existing courier Federal Register: service in select areas of Virginia and in Montgomery County, Maryland. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 12/01/2022 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 713926 FARMERS & MERCHANTS BK, TIMBERVILLE, VIRGINIA 09/18/2022 04/04/2022 S Int Small Bank 899428 FIRST BK, STRASBURG, VIRGINIA12/10/2021 08/02/2021 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 November 19, 2022 Filer Filing Type Filing Proposal FINEMARK HOLDINGS, INC. Change in Bank Control Strategic Value Investors, LP; Strategic Newspaper: Value Bank Partners, LLC; Strategic Federal Register: Value Opportunities, LP; Strategic Value Private Partners, LLC; and Benjamin· Mackovak and Martin Adams, each a managing member of Strategic Value Bank Partners, LLC and Strategic Value Private Partners, LLC, (collectively, the "Controlled Parties"), all of Cleveland, Ohio, as a group acting in concert, to acquire additional voting shares of FineMark Holdings, Inc., and thereby indirectly acquire voting shares of FineMark National Bank & Trust, both of Fort Myers, Florida. 12/05/2022 12/05/2022 LAFOURCHE BANCSHARES, INC. Change in Bank Control Gerald Savoie, Jr. and Vonnie D. Newspaper: Savoie, both of Cut Off, Louisiana, to Federal Register: retain voting shares of Lafourche Bancshares, Inc., and thereby indirectly retain voting shares of South Lafourche Bank and Trust Company, both of Larose, Louisiana. 12/12/2022 Not available LAFOURCHE BANCSHARES, INC. Change in Bank Control Nacis John Theriot, Sr., Cut Off, Newspaper: Louisiana, to retain voting shares of Federal Register: Lafourche Bancshares, Inc., and thereby indirectly retain voting shares of South Lafourche Bank and Trust Company, both of Larose, Louisiana. 12/12/2022 Not available REGIONS BANK Public Welfare Investment Regions Bank, Birmingham, Alabama, Newspaper: request for approval to make one public Federal Register: welfare investment. Not applicable Not applicable * 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 NONE 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 November 19, 2022 Filer Filing Type Filing Proposal End of Comment Period Capra Financial, Inc. * 3A1 Capra Financial Inc., Montezuma, Iowa Newspaper: to become a bank holding company by Federal Register: acquiring Peoples Savings Bank, Montezuma, Iowa. 11/13/2022 11/21/2022 FIRST EQUITY CORP. Listed DeNovo Notice to engage in de novo in permitted Newspaper: non-bank activities. Federal Register: Not applicable Not applicable FSB FINANCIAL SERVICES, INC. * 3A3 FSB Financial Services, Inc., Waterloo, Newspaper: Iowa to acquire voting shares of Scenic Federal Register: Community Bancshares Corporation and thereby indirectly acquire voting shares of Iowa Falls State Bank, both of Iowa Falls, Iowa. 12/15/2022 12/15/2022 HALBUR BANCSHARES, INC. Change in Bank Control Matthew N. Lujano, Carroll, Iowa, to Newspaper: acquire 10 percent or more of the voting Federal Register: shares of Halbur Bancshares, Inc., Westside, Iowa; Maureen Beck, Carroll, Iowa, to join the White Family Control Group, acting in concert with and joining Matthew N. Lujano, Carroll, Iowa; James J. White and Margaret A. White, both of Westside, Iowa, and thereby retain control of 25 percent or more of the voting shares of Halbur; and Jeffrey Renner, Bellevue, Nebraska, to join the Dennis Family Control Group, acting in concert with and joining Susan J. Dennis, Bellevue, Nebraska, and Sandra J. Hartman, Falls City, Nebraska, to retain control of 25 percent or more of the voting shares of Halbur, and thereby indirectly acquire voting shares of Westside State Bank, Westside, Iowa. Not available 12/02/2022 * Subject to the provisions of the Community Reinvestment Act District: 7 Federal Reserve Bank of Chicago Filings received during the week ending November 19, 2022 Filer Filing Type Filing Proposal MORNING SUN BANK CORP. Change in Bank Control Elizabeth J.C. Brennan, West Des Newspaper: Moines, Iowa to become the largest Federal Register: individual shareholder and join the Brennan Family control group, a group acting in concert, and to acquire voting shares of Morning Sun Bank Corp. and thereby indirectly acquire voting shares of Bank, both of Wapello, Iowa. 11/30/2022 11/29/2022 SAVANNA* 3A5 THOMSON INVESTMENT, INC. Savanna-Thomson Investment, Inc., Newspaper: Savanna, Illinois to merge with Federal Register: Maximum Bancshares, Inc. and thereby indirectly acquire Fidelity Bank, both of West Des Moines, Iowa. 12/19/2022 Not available Scenic Community Bancshares Corporation Scenic Community Bancshares Newspaper: Corporation, Iowa Falls, Iowa to become Federal Register: a bank holding company by acquiring Iowa Falls State Bank, Iowa Falls, Iowa. 11/15/2022 12/15/2022 * 3A1 * Subject to the provisions of the Community Reinvestment Act End of Comment Period 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 312244 FIRST BK OF BERNE, BERNE, INDIANA 05/07/2022 01/31/2022 S Int Small Bank 113740 FIRST ST BK, EASTPOINTE, MICHIGAN 09/12/2022 03/14/2022 S Int Small Bank 590248 TOWN & CNTRY BK, SPRINGFIELD, ILLINOIS 02/13/2022 09/27/2021 O 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 November 19, 2022 Filer Filing Type Filing Proposal BRADFORD BANCORP, INC. * 3A5 Bradford Bancorp, Inc., Greenville, Newspaper: Illinois, to merge with Community Federal Register: Bancshares, Inc., Irvington, Illinois, and thereby indirectly acquire Community Trust Bank, Irvington, Illinois. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 12/15/2022 12/23/2022 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 27847 CRA Public Date CRA Rating Exam Method DIAMOND BK, MURFREESBORO, 11/08/2021 ARKANSAS 07/19/2021 S Int Small Bank 848248 FIDELITY BK, WEST MEMPHIS, ARKANSAS 11/27/2021 08/23/2021 S Int Small Bank 34742 FIRST WESTERN BK, BOONEVILLE, ARKANSAS 11/26/2021 07/19/2021 S Int Small Bank CRA Examinations scheduled for Institution Exam Date 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 November 19, 2022 Filer Filing Type Filing Proposal RIVER FALLS BANCSHARES, INC. Change in Bank Control Eunice M. Moody Trust, Robert H. Newspaper: Moody and Michael Moody as coFederal Register: trustees, and individually; Kathleen Moody; Elizabeth Moody; and Patricia Moody; to become the Moody Family Shareholder Group, a group acting in concert, to retain voting shares of River Falls Bancshares, Inc., and thereby indirectly retain voting shares of River Falls State Bank, all of River Falls, WI. Not available 12/05/2022 RIVER FALLS BANCSHARES, INC. Change in Bank Control Daniel Davison, Star Prairie, WI; Lauren Newspaper: Howard, Duluth, MN; Patrick Davison, Federal Register: Boise, ID; Jacquelyn Sahnow, River Falls, WI; and Steven Davison and Rhonda Davison, both of Alamo, Texas; to become the Davison Family Shareholder Group, a group acting in concert, to retain voting shares of River Falls Bancshares, Inc., and thereby indirectly retain voting shares of River Falls State Bank, both of River Falls, WI. Not available 11/30/2022 * Subject to the provisions of the Community Reinvestment Act End of Comment Period 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 2631846 NORTH AMER BKG CO, ROSEVILLE, MINNESOTA 11/15/2021 06/07/2021 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 November 19, 2022 Filer Filing Type Filing Proposal Bison Bancshares, Inc. * 3A1 Bison Bancshares, Inc., Bison, Kansas, Newspaper: to become a bank holding company Federal Register: through the acquisition of 100 percent of the voting shares of Bison State Bank, Bison, Kansas. FARMERS BANK OF NORTHERN MISSOURI * Branch (Domestic) Farmers Bank of Northern Missouri, Unionville, Missouri, to establish a branch at 602 West Grant Street, Princeton, Missouri. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Newspaper: Federal Register: 12/16/2022 12/28/2022 11/25/2022 Not applicable 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 November 19, 2022 Filer Filing Type Filing Proposal CENTRAL TEXAS BANKSHARE HOLDINGS, INC. * 3A3 Central Texas Bankshare Holdings, Inc., Newspaper: Columbus, Texas, and Colorado County Federal Register: Investment Holdings, Inc., Wilmington, Delaware, to acquire control of Hill Bancshare Holdings, Inc., Weimar, Texas, Hill Bancshares of Delaware, Inc., Wilmington, Delaware, and Hill Bank and Trust Company, Weimar, Texas. 11/26/2022 12/09/2022 F&M BANCSHARES, INC. Change in Bank Control Scotty Dan Allen and Johnny Brad Newspaper: Allen, each of Stephenville, Texas Federal Register: have applied to the Federal Reserve Board as a group acting in concert for permission to control 25 percent or more of F&M Bancshares, Inc., De Leon, Texas (the “Company”), which controls Farmers and Merchants Bank, De Leon, Texas. Scotty Dan Allen is also seeking clearance to acquire 25 percent or more of the shares and thereby control the Company. Not available Not available FROST BANK * Branch (Domestic) Frost Bank, San Antonio, Texas to establish a branch at 1506 S. Friendswood Dr., Friendwood, Tx 77546. Newspaper: Federal Register: 11/24/2022 Not applicable FROST BANK * Branch (Domestic) Frost Bank, San Antonio, Texas to establish a branch at 498 Stacy Road, Allen, Texas 75002 Newspaper: Federal Register: 11/29/2022 Not applicable FROST BANK * Branch (Domestic) Frost Bank, San Antonio, Texas to establish a branch at 14902 Preston Road, Dallas, Texas 75254. Newspaper: Federal Register: 11/29/2022 Not applicable FROST BANK * Branch (Domestic) Frost Bank, San Antonio, Texas to Newspaper: establish a branch at 5851 Long Prairie Federal Register: Road, Flower Mound, Texas 75028. 11/29/2022 Not applicable THIRD COAST BANK, SSB * Branch (Domestic) Third Coast Bank, SSB, Humble, Texas, Newspaper: to establish a branch at 9709 Lakeside Federal Register: Blvd., The Woodlands, Texas 77339. 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 Exam Date CRA Public Date CRA Rating Exam Method 327855 CIERA BK, GRAHAM, TEXAS 05/13/2022 01/10/2022 S Int Small Bank 884358 FIRST ST BK OF LIVINGSTON, LIVINGSTON, TEXAS 05/22/2022 02/07/2022 O 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 3630323 THIRD COAST BK SSB, HUMBLE, 08/14/2022 TEXAS 04/25/2022 S Int Small Bank 726953 UNITED TX BK, DALLAS, TEXAS 11/03/2021 S Int Small Bank CRA Examinations scheduled for Institution 02/20/2022 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 November 19, 2022 Filer Filing Type Filing Proposal BAY COMMUNITY BANCORP Change in Bank Control Change in Bank Control Notice filed by Newspaper: Strategic Value Investors, LP; Strategic Federal Register: Value Bank Partners, LLC; Strategic Value Private Investors, LP; Strategic Value Private Partners, LLC, all of Cleveland, Ohio; Benjamin Mackovak, Bratenahl, Ohio; and Martin Adams, Naples, Florida, to acquire additional voting shares of Bay Community Bancorp, and thereby indirectly acquire additional voting shares of Community Bank of the Bay, both of Oakland, California. 12/02/2022 Not available CAPITAL COMMUNITY BANCORPORATIO N, INC. Change in Bank Control Change in Bank Control Notice filed by Newspaper: Anna Lou Patten Irrevocable Trust Federal Register: u.a.d. 12/28/12, Lindon, Utah; Michael Watson, as trustee and in individual capacity, Lindon, Utah; Matthew Mitton, as special trustee, Salt Lake City, Utah; Chad Patten, Lehi, Utah; and Kestin Wilkinson, Orem, Utah, to retain voting shares of Capital Community Bancorporation, Inc., and thereby indirectly retain voting shares of Capital Community Bank, both of Provo, Utah. Not available 11/30/2022 * 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 NONE CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter
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