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No. 44 Week ending November 2, 2024 Board Actions Personnel Division of Information Technology—appointment of Muazzam Ali as deputy associate director.* Approved: October 20, 2024 *Addition Division of Reserve Bank Operations and Payment Systems—appointment of Mouneer Ahmad as deputy associate director. Approved: October 30, 2024 Division of Reserve Bank Operations and Payment Systems—appointment of Kimberly Zaikov as assistant director.* Approved: October 23, 2024 *Addition FEDERAL RESERVE RELEASE H.2 Actions Under Delegated Authority Bank Branches, Domestic Dallas Frost Bank, San Antonio, Texas—to establish a branch at 12420 Tillgang Pass, Manor, Texas. Approved: October 31, 2024 Secretary Manufacturers and Traders Trust Company, Buffalo, New York—to establish a branch at 850 Park Shore Drive, Naples, Florida. Approved: November 1, 2024 St. Louis Chambers Bank, Danville, Arkansas—to establish a branch at 3131 Turtle Creek Boulevard, Dallas, Texas. Approved: October 30, 2024 Bank Holding Companies Chicago Thumb Bancorp., Inc. Employee Stock Ownership Plan and Thumb Bancorp, Inc., both of Pigeon, Michigan —(1) to acquire FSB Interim Bank and Freeland State Bank, both of Freeland, Michigan, and (2) for Thumb Bank & Trust, Pigeon, Michigan, to merge, through its subsidiary, FSB Interim Bank, with Freeland State Bank and thereby establish a branch at 185 East Washington Road, Freeland, Michigan. Approved: October 28, 2024 Minneapolis NATCOM Bancshares Inc., Superior, Wisconsin—to merge with Great River Holding Company and thereby indirectly acquire RiverWood Bank, both of Baxter, Minnesota. Approved: November 1, 2024 Banks, State Member Secretary The Northern Trust Company, Chicago, Illinois—to make certain public welfare investments (two requests). Approved: October 29, 2024 Change in Bank Control Kansas City First of Minden Financial Corporation, Minden, Nebraska—Danielle M. Wheeler, Pine Island, Minnesota; Parker C. Ayres, Olathe, Kansas; and Madisyn L. Matthews, Lincoln, Nebraska, to become members of the Ayres Family Control Group, a group acting in concert, to acquire voting shares of First of Minden Financial Corporation and thereby indirectly acquire voting shares of First Bank and Trust Company, Minden, Nebraska. Permitted: October 29, 2024 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Garnett Bancshares, Inc., Garnett, Kansas—Cameron J.W. Cooper, Greeley, Kansas; Carston D. Cooper, Lenexa, Kansas; Kelsey L. Cooper, Prairie Village, Kansas; and Katelin M. Shane, Louisburg, Kansas, to join the Cooper Family Group, a group acting in concert, to acquire additional voting shares of Garnett Bancshares, Inc., and thereby indirectly acquire additional voting shares of Patriots Bank, Garnett, Kansas. Permitted: November 1, 2024 St. Louis Campbell Hill Bancshares, Inc., Campbell Hill, Illinois—William A. Richelman, Gregory L. Richelman, Tracy D. Richelman, Shellie R. Astin, Donald L. Richelman, Elaine L. Richelman, and Mark A. Richelman, all of Campbell Hill, Illinois, and Jeffery A. Richelman, Perryville, Missouri, to establish the Richelman Family Control Group, a group acting in concert, to retain voting shares of Campbell Hill Bancshares, Inc., and thereby indirectly retain voting shares of First State Bank of Campbell Hill, Campbell Hill, Illinois. Permitted: October 28, 2024 Harrell Bancshares, Inc., Camden, Arkansas—Steven Harrell, trustee of the Steven D. Harrell Revocable Trust, Springdale, Missouri; Jonathan W. Harrell, individually and as trustee of the Carter Dunn Harrell Share Trust, Samantha Ginger Harrell Share Trust, Ryan Elise Harrell Share Trust, Tyler Alan Harrell Share Trust, and JH Revocable Trust, Bennett S. Harrell, as trustee of the Bennett S. Harrell Revocable Trust and custodian of certain minor children, Ginger Fischer, and Julie Harrell, all of Rogers, Arkansas; Shannon Harrell Beard, Paris, Texas; and Maxwell Hunter Harrell, Lowell, Arkansas, to establish the Harrell Family Control Group, a group acting in concert, to retain voting shares of Harrell Bancshares, Inc., Camden, Arkansas, and thereby indirectly retain voting shares of Generations Bank, Rogers, Arkansas. Permitted: October 31, 2024 Extensions of Time New York The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga Springs, New York—one-year extension of time to acquire additional shares of The Adirondack Trust Company and of 473 Broadway Holding Corporation, both of Saratoga Springs, New York. Granted: October 31, 2024 Secretary A.N.B. Holding Company, Ltd., Terrell, Texas—extension to January 25, 2025, to acquire additional shares of The ANB Corporation, Terrell, Texas. Granted: October 30, 2024 Supervision and Regulation Director, S&R Capital One Financial Corporation, McLean, Virginia—to make certain capital distributions under the capital plan rule. Approved: November 1, 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 November 2, 2024 Filer Filing Type Filing Proposal CAMDEN NATIONAL CORPORATION * 3A5 * 3A3 Camden National Corporation, Camden, Newspaper: Maine, to merge with Northway Federal Register: Financial, Inc., North Conway, New Hampshire, and thereby indirectly acquire Northway Bank, Berlin, New Hampshire. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 11/14/2024 Not available 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 447100 CORNERSTONE BK, SPENCER, MASSACHUSETTS 07/06/2024 03/04/2024 S Int Small Bank 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 November 2, 2024 Filer Filing Type MANUFACTURERS Public Welfare AND TRADERS Investment TRUST COMPANY Filing Proposal End of Comment Period Manufacturers and Traders Trust Newspaper: Company, Buffalo, New York, to make a Federal Register: public welfare investment, pursuant to Section 208.22(d) of Regulation H. * Subject to the provisions of the Community Reinvestment Act Not applicable Not applicable 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 3664588 FIELDPOINT PRIV B&TC, GREENWICH, CONNECTICUT 08/18/2024 01/16/2024 NI Int Small Bank 722816 SOLVAY BK, SOLVAY, NEW YORK 02/04/2024 06/26/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 3 Federal Reserve Bank of Philadelphia Filings received during the week ending November 2, 2024 Filer Filing Type Filing Proposal LAKE SHORE BANCORP INC Minority Stock Issuance Lake Shore Bancorp, Inc., Dunkirk, NY, Newspaper: to conduct a minority stock issuance. Federal Register: * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not applicable Not applicable District: 3 Federal Reserve Bank of Philadelphia The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 3603961 VICTORY BK, LIMERICK, PENNSYLVANIA 06/14/2024 07/10/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 4 Federal Reserve Bank of Cleveland Filings received during the week ending November 2, 2024 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 4 Federal Reserve Bank of Cleveland The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 853112 HEARTLAND BK, WHITEHALL, OHIO 12/17/2023 04/11/2022 O Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 5 Federal Reserve Bank of Richmond Filings received during the week ending November 2, 2024 Filer Filing Type Filing Proposal SOUTHERN BANCSHARES (N.C.), INC. * 3A3 Listed Going Concern Southern Bancshares (N.C.), Inc., Newspaper: Mount Olive, North Carolina, to acquire Federal Register: up to 19.9% of the outstanding voting securities of Old Point Financial Corporation, Hampton, Virginia, and thereby indirectly acquire interests in The Old Point National Bank of Phoebus, Hampton, Virginia and Old Point Trust & Financial Services, N.A. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 12/02/2024 12/04/2024 District: 5 Federal Reserve Bank of Richmond The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 886624 CLEAR MNT BK, BRUCETON MILLS, WEST VIRGINIA 11/19/2023 06/05/2023 S Int Small Bank 3567269 SELECT BK, FOREST, VIRGINIA 06/01/2024 04/17/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 6 Federal Reserve Bank of Atlanta Filings received during the week ending November 2, 2024 Filer Filing Type FIRST COMMERCE * 3A3 BANCORP, INC. Filing Proposal End of Comment Period First Commerce Bancorp, Inc., Newspaper: Lewisburg, Tennessee, to acquire Federal Register: outstanding common stock of Peoples Bank of Middle Tennessee, Shelbyville, Tennessee. * Subject to the provisions of the Community Reinvestment Act 11/30/2024 Not available District: 6 Federal Reserve Bank of Atlanta The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 353238 CENTRAL ST BK, CALERA, ALABAMA 03/07/2024 09/25/2023 S Int Small Bank 956938 PRIORITYONE BK, MAGEE, MISSISSIPPI 04/27/2024 10/30/2023 S Int Small Bank 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 2, 2024 Filer Filing Type Filing Proposal AGCOM HOLDINGS, INC. Change in Bank Control Notice by Bradley C. Hanson, Sioux Newspaper: Falls, SD, to acquire voting shares of Federal Register: AgCom Holdings, Inc., Maxwell, Iowa and thereby indirectly acquire control of Maxwell State Bank, Maxwell, Iowa. Not available 10/09/2024 BACKLUND INVESTMENT CO. * 3A1 Backlund Investment Co. Employee Newspaper: Stock Ownership Plan to become a Federal Register: bank holding company by acquiring Backlund Investment Co., both of Peoria Heights, Illinois, and thereby indirectly acquire Better Banks, Peoria, Illinois and State Street Bank and Trust Company, Quincy, Illinois. 12/02/2024 Not available * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 7 Federal Reserve Bank of Chicago Filings received during the week ending November 2, 2024 Filer Filing Type Filing Proposal BACKLUND INVESTMENT CO. Change in Bank Control The Consolidated Amendment and Newspaper: Restatement of the Backlund Better Federal Register: Bank Revocable Living Trust and the B.F. Backlund Revocable Trust with Steve E. Backlund as Trustee; the Backlund Family Trust with Steve E. Backlund as Trustee; the Steve E. Backlund Restated Revocable Trust Agreement with Steve E. Backlund as Trustee, all of Peoria Heights, Illinois, the Backlund Investment Co. Employee Stock Ownership Plan and Trust with Steve E. Backlund, Peoria Heights, Tera R. Backlund, Morton, Illinois, James P. Ghiglieri, III, Washington, Illinois, Melissa L. May, Peoria, Illinois, Robert D. Mowrer, Jr., Aledo, Texas, Timothy H. Peterson, Dunlap, Illinois, and H. Scott Smith, Quincy, Illinois, all as trustees, Robert D. Mowrer, Jr., Aledo, Texas, Michael E. Peterson of Peoria, Illinois, Timothy H. Peterson, Dunlap, Illinois, and Helene M. Peterson, Peoria, Illinois, as a group acting in concert, to retain voting shares of 25 percent or more of Backlund Investment Company, Peoria Heights, Illinois, and thereby indirectly retain voting shares of Better Banks, Peoria, Illinois, and State Street Bank and Trust Company, Quincy, Illinois. 11/22/2024 Not available BSB COMMUNITY BANCORPORATIO N, INC. Change in Bank Control Louis James Schweigert, Cuba City, Newspaper: Wisconsin, to acquire the voting shares Federal Register: of BSB Community Bancorporation, Inc. and thereby indirectly control Benton State Bank, both of Benton, Wisconsin. Not available Not available * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 7 Federal Reserve Bank of Chicago Filings received during the week ending November 2, 2024 Filer Filing Type Filing Proposal End of Comment Period CHOICEONE BANK * 18C ChoiceOne Bank, Sparta, Michigan to Newspaper: * Branch (Domestic) merge with The State Bank, Fenton, Federal Register: Michigan, pursuant to section 18c of the Federal Deposit Insurance Act. As a result of the merger, ChoiceOne Bank will establish branches located at: 175 N. Leroy Street, Fenton, Michigan; 8412 Main Street, Birch Run, Michigan; 134 N. First Street, Brighton, Michigan; 12771 Brady Road, Chesaning, Michigan; 31000 Northwestern Highway, Suite 150, Farmington Hills, Michigan; 615 S. Saginaw Street, Flint, Michigan; 1401 E. Hill Road, Grand Blanc, Michigan; 7606 S. Saginaw Street, Grand Blanc, Michigan; 12005 Michigan Avenue, Grass Lake, Michigan; 4043 Grange Hall Road, Holly, Michigan; 107 Main Street, Linden, Michigan; 200 W. State Street, Montrose, Michigan; 201 N. Main Street, Munith, Michigan; 9380 Genesee Street, New Lothrop, Michigan; 218 S. Washington Avenue, Saginaw, Michigan; 15095 Silver Parkway, Fenton, Michigan; 207 S. Saginaw Street, St. Charles, Michigan; 5101 M-106, Stockbridge, Michigan; 7590 Gratiot Road, Saginaw, Michigan; and 18005 Silver Parkway, Fenton, Michigan, pursuant to section 9 of the Federal Reserve Act. Not available Not applicable MUTUAL FEDERAL * Acquisition BANCORP, MHC Not available Not available Mutual Federal Bancorp, MHC and Mutual Federal Bancorp, Inc., both of Chicago, Illinois, to acquire Pulaski Savings Bank, Chicago, Illinois. * Subject to the provisions of the Community Reinvestment Act Newspaper: Federal Register: District: 7 Federal Reserve Bank of Chicago Filings received during the week ending November 2, 2024 Filer Filing Type Filing Proposal TALEN, INC. Change in Bank Control The Deborah A. Talen Trust with Newspaper: Deborah A. Talen as trustee, both of Federal Register: Minneapolis Minnesota, to join as a member of the Talen Family Control Group, a group acting in concert, to acquire voting shares of Talen, Inc. and thereby indirectly acquire voting shares of Farmers Savings Bank & Trust, both of Traer, Iowa. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available 11/12/2024 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 930442 BANK OF PONTIAC, PONTIAC, ILLINOIS 10/25/2024 07/15/2024 S Int Small Bank 711548 CHELSEA ST BK, CHELSEA, MICHIGAN 06/10/2024 02/26/2024 S Int Small Bank 502746 COMMUNITY ST BK, AVILLA, INDIANA 06/15/2024 03/04/2024 S Int Small Bank 643340 EASTERN MI BK, CROSWELL, MICHIGAN 01/20/2024 07/17/2023 S Int Small Bank 3804535 GUARANTY BK, SPRINGFIELD, MISSOURI 03/31/2024 05/01/2023 S Int Small Bank 982348 IOWA ST BK, HULL, IOWA 07/21/2024 04/01/2024 S Int Small Bank CRA Examinations scheduled for Quarter of 448040 OXFORD BK, OXFORD, MICHIGAN02/16/2024 05/15/2023 S Int Small Bank Institution Location Quarter 695349 NONE TRI-COUNTY BK, BROWN CITY, MICHIGAN 04/06/2024 08/14/2023 S Int Small Bank 433943 WASHINGTON ST BK, WASHINGTON, IOWA 05/05/2024 01/22/2024 S Int Small Bank * Subject to the provisions of the Community Reinvestment Act District: 8 Federal Reserve Bank of St. Louis Filings received during the week ending November 2, 2024 Filer Filing Type Filing Proposal End of Comment Period BANK OF FAYETTE * Branch (Domestic) The Bank of Fayette County, Piperton, Newspaper: COUNTY, THE Tennessee, to establish a branch facility Federal Register: to be located at 1624 U.S. Highway 51 S., Covington, Tennessee. 11/18/2024 Not applicable CADENCE BANK Membership Cadence Bank, Tupelo, Mississippi, to become a member of the Federal Reserve System. Newspaper: Federal Register: Not applicable Not applicable FIRST BANK Public Welfare Investment First Bank, Creve Coeur, Missouri, Newspaper: requests prior approval to make a public Federal Register: welfare investment of $1,000,000, pursuant to Section 208.22(d) of Regulation H Not applicable Not applicable FIRST BANKERS TRUSTSHARES, INC. Change in Bank Control Notice by Phyllis Hofmeister, Quincy, Newspaper: Illinois; Robert Hofmeister, Quincy, Federal Register: Illinois; Kurt Hofmeister, Vero Beach, Florida; William Hofmeister, Quincy, Illinois; Norma Hofmeister, Quincy, Illinois; Jon Hofmeister, Warsaw, Illinois; Jane Wiley, Indianapolis, Indiana; Bruce Wiley, Indianapolis, Indiana; Elizabeth Wiley, Indianapolis, Indiana; and Carson Wiley, Indianapolis, Indiana, to establish the Hofmeister Family Control Group and to retain ten percent or more of the voting shares of First Bankers Trustshares, Inc., and thereby indirectly retain voting shares of First Bankers Trust Company, N.A., both of Quincy, Illinois; Robert Hofmeister, individually, to acquire additional voting shares of First Bankers Trustshares, Inc. 11/22/2024 11/20/2024 GENERATIONS BANK Membership Generations Bank, Rogers, Arkansas, to Newspaper: become a member of the Federal Federal Register: Reserve System Not applicable Not applicable * Subject to the provisions of the Community Reinvestment Act District: 8 Federal Reserve Bank of St. Louis Filings received during the week ending November 2, 2024 Filer Filing Type Filing Proposal HELENA BANCSHARES, INC. Change in Bank Control Notice by The Drake Joint Bank Shares Newspaper: Revocable Trust, Sue Topp Drake and Federal Register: Jackie Doyle Drake as co-trustees, each of Germantown, Tennessee, Jackie Doyle Drake Jr. of Germantown, Tennessee, and Thomas Wooten Drake of Nashville, Tennessee, to establish the Drake Family Control Group to retain voting shares of Helena Bancshares, Inc., and thereby indirectly retain voting shares of Partners Bank, both of Helena, Arkansas. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 11/19/2024 11/18/2024 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 541857 CARROLL B&T, HUNTINGDON, TENNESSEE 09/27/2024 06/03/2024 S Int Small Bank 856748 CITIZENS BK, BATESVILLE, ARKANSAS 03/30/2024 05/15/2023 S Int Small Bank 137447 FNB CMNTY BK, VANDALIA, ILLINOIS 11/03/2023 07/24/2023 S Int Small Bank 3804535 GUARANTY BK, SPRINGFIELD, MISSOURI 03/31/2024 05/01/2023 S Int Small Bank LINDELL B&TC, SAINT LOUIS, MISSOURI CRA Examinations scheduled for Quarter of 266945 MONTICELLO BKG CO, MONTICELLO, KENTUCKY 12/18/2023 09/05/2023 S Int Small Bank 01/27/2024 09/05/2023 S Int Small Bank 3374412 NONE OAKSTAR BK, SPRINGFIELD, MISSOURI 12/19/2022 06/13/2022 S Int Small Bank 3120646 PATRIOT BK, MILLINGTON, TENNESSEE 07/23/2022 02/07/2022 S Int Small Bank 185859 Institution Location * Subject to the provisions of the Community Reinvestment Act Quarter District: 9 Federal Reserve Bank of Minneapolis Filings received during the week ending November 2, 2024 Filer Filing Type Filing Proposal End of Comment Period COMMUNITY RESOURCE BANK * 18C Community Resource Bank, Northfield, Newspaper: * Branch (Domestic) Minnesota, to merge with 1st United Federal Register: Bank, Faribault, Minnesota, and, incident thereto, establish a branch in Faribault, Minnesota. 12/04/2024 Not applicable MINNESOTA COMMUNITY BANCSHARES, INC. Change in Bank Control 11/20/2024 11/20/2024 Gigi Otten, Hayward, Minnesota; and Newspaper: the James and Renata MacAlpine Trust, Federal Register: Ord, Nebraska (James MacAlpine and Renata MacAlpine, both of Ord, Nebraska as trustees), to join the Otten Family Shareholder Control Group (Otten Group), a group acting in concert, by retaining voting shares of Minnesota Community Bancshares, Inc., Albert Lea, Minnesota (MCBI), and thereby indirectly retaining voting shares of Arcadian Bank, Hartland, Minnesota. Additionally, the William E. Brush & Bettina A. Brush Trust, North Loup, Nebraska, (William Brush, North Loup, Nebraska, as trustee); and the Harold C. Kermes Trust dated February 4, 2022, Hayward, Minnesota (Harold Kermes, Hayward, Minnesota, as trustee) to join the Otten Group by acquiring voting shares of MCBI, and thereby indirectly acquiring voting shares of Arcadian Bank. * 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 613156 FIRST MT BK, MISSOULA, MONTANA 06/23/2024 09/11/2023 S Int Small Bank 823656 FIRST ST BK SOUTHWEST, PIPESTONE, MINNESOTA 03/18/2024 08/14/2023 O Int Small Bank 685676 OPPORTUNITY BK OF MT, HELENA, MONTANA 04/29/2024 10/24/2022 O Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending November 2, 2024 Filer Filing Type Filing Proposal FIRST FIDELITY BANK * Branch (Domestic) First Fidelity Bank, Oklahoma City, Newspaper: Oklahoma, to establish a branch located Federal Register: at 13144N. May Avenue, Oklahoma City, Oklahoma. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available 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 311050 AMERICAN HERITAGE BK, SAPULPA, OKLAHOMA 04/07/2024 08/14/2023 S Int Small Bank 862057 BANK OF CMRC, CHANUTE, KANSAS 07/04/2024 04/15/2024 S Int Small Bank 482053 CITIZENS ST BK, WISNER, NEBRASKA 04/29/2024 02/12/2024 S Int Small Bank 76854 GRAND BK, TULSA, OKLAHOMA 09/02/2024 06/10/2024 S Int Small Bank 3412417 JONAH BK, CASPER, WYOMING 06/03/2024 03/18/2024 S Int Small Bank 02/26/2024 11/27/2023 S Int Small Bank 07/21/2024 04/29/2024 S Int Small Bank 669555 MIDWEST BK, PIERCE, NEBRASKA CRA Examinations scheduled for Quarter of 955959 SECURITY ST BK, BASIN, WYOMING Institution 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 2, 2024 Filer Filing Type Filing Proposal FIRST LIBERTY BANK * 18C First Liberty Bank, Liberty, Texas, to Newspaper: * Branch (Domestic) acquire by merger Pearland State Bank, Federal Register: Pearland, Texas. Not available Not applicable TEXAS REGIONAL BANK * Branch (Domestic) Texas Regional Bank, Harlingen, Texas, Newspaper: to establish a branch at 21 Herff Road, Federal Register: Boerne, Texas 78606. 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 645465 CRA Public Date CRA Rating Exam Method THIRD COAST BK SSB, HUMBLE, 08/14/2022 TEXAS 04/25/2022 S Int Small Bank VISTA BK, DALLAS, TEXAS 04/01/2024 O Int Small Bank CRA Examinations scheduled for Institution Exam Date 07/29/2024 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 2, 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 3487947 UNIBANK, LYNNWOOD, WASHINGTON 07/05/2024 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
@FedFRASER