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No. 45 Week ending November 9, 2024 Board Actions Personnel Division of Financial Management—appointment of Rendell Jones as director and chief financial officer. Approved: November 7, 2024 FEDERAL RESERVE RELEASE H.2 Actions Under Delegated Authority Bank Branches, Domestic Atlanta First Vision Bank of Tennessee, Tullahoma, Tennessee—to establish a branch at 1 Burton Hills Boulevard, Nashville, Tennessee. Approved: November 5, 2024 Kansas City First State Bank Nebraska, Lincoln, Nebraska—to establish a branch at 223 West Fourth Street, Cortland, Nebraska. Approved: November 8, 2024 Bank Holding Companies Atlanta First Commerce Bancorp, Inc., Lewisburg, Tennessee—to acquire outstanding common stock of Peoples Bank of Middle Tennessee, Shelbyville, Tennessee. Withdrawn: November 7, 2024 SB Financial, Inc., Mount Juliet, Tennessee—to become a bank holding company by acquiring outstanding shares of Southern Bank of Tennessee, Mt. Juliet, Tennessee. Withdrawn: November 5, 2024 Dallas Producer Acquisition Corp., Beaumont, Texas—to become a bank holding company by acquiring Powell State Bank, Powell, Texas. Approved: November 8, 2024 Kansas City Stockmens Financial Corporation, Rapid City, South Dakota—to modify certain commitments. Granted: November 7, 2024 Philadelphia ACNB Corporation and ACNB South Acquisition Subsidiary, both of Gettysburg, Pennsylvania—waiver of application to acquire Traditions Bancorp and thereby indirectly acquire Traditions Bank, both of York, Pennsylvania, in connection with the merger of Traditions Bank with and into ACNB Bank, Gettysburg, Pennsylvania. Granted: November 7, 2024 Banks, State Member Dallas Charles Schwab Bank, SSB, Westlake, Texas—to make a public welfare investment.* Approved: October 31, 2024 *Addition BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 New York Manufacturers and Traders Trust Company, Buffalo, New York—to make a public welfare investment.* Withdrawn: October 29, 2024 *Addition San Francisco East West Bank, Pasadena, California—to make a public welfare investment. Approved: November 5, 2024 St. Louis First Horizon Bank, Memphis, Tennessee—to make a public welfare investment.* Approved: October 29, 2024 *Addition Change in Bank Control Atlanta PB Bancshares, Inc., Clifton, Tennessee—JAG 2024 Exempt Trust and JAG 2024 Non-Exempt Trust, Calvin Thomas Gobbell, as trustee of both trusts, all of Clifton, Tennessee, to become a member of the Gobbell Family Control Group, a group acting in concert, to acquire shares of PB Bancshares, Inc., and thereby indirectly control voting shares of Peoples Bank, Clifton, Tennessee. Permitted: November 7, 2024 Chicago Glenwood Bancorporation, Glenwood, Iowa—Grant C. Dean, Glenwood, Iowa, together with the John C. Dean Grandchildren’s Trust, Grant C. Dean and Larry W. Winum as co-trustees; the Carol C. Dean Grandchildren’s Trust, Grant C. Dean and Larry W. Winum as co-trustees; and the Larry W. Winum Revocable Trust, Larry W. Winum as trustee, all of Glenwood, Iowa, as a group acting in concert, to retain voting shares of Glenwood Bancorporation and thereby indirectly retain voting shares of Glenwood State Bank, Glenwood, Iowa. Permitted: November 7, 2024 Oxford Bank Corporation, Oxford, Michigan—Richard K. Thompson, Sterling Heights, Michigan; Thomas J. Hinsberg, Rochester, Michigan; and Robert A. Clemente, West Bloomfield, Michigan, as individuals; Richard K. Thompson Irrevocable Trust 2022, Troy, Michigan, Thomas J. Hinsberg, Rochester, Michigan, as trustee; OJT Irrevocable Trust, Troy, Michigan, Robert A. Clemente, West Bloomfield, Michigan, as trustee, to retain voting shares of Oxford Bank Corporation and thereby indirectly retain voting shares of Oxford Bank, Oxford, Michigan. Permitted: November 7, 2024 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 University Bancorp, Inc., Ann Arbor, Michigan—Stephen Lange Ranzini as trustee of the Stephen Lange Ranzini Inherited IRA, Ann Arbor, Michigan; Stephen Lange Ranzini Inherited IRA, Ann Arbor, Michigan; Joseph Lange Ranzini as trustee of the Joseph Lange Ranzini IRA, Waynesboro, Virginia; Joseph Lange Ranzini IRA, Waynesboro, Virginia; Paul Lange Ranzini, Meunster, Germany; David William Ranzini, Tokyo, Japan; Gregory Paul Ranzini, Wilmington, Delaware; Holly Ann Clare, Atlanta, Georgia; Emily Elizabeth Hu, Washington, D.C.; Jonathan Paul Hu, Princeton, New Jersey; and Abigail Raffaela Hu, Princeton, New Jersey, to join the Ranzini Family Group, a group acting in concert, to retain voting shares of University Bancorp, Inc., and thereby indirectly retain voting shares of University Bank, Ann Arbor, Michigan. Permitted: November 7, 2024 Regulations and Policies General Counsel Bank Term Funding Program—report to Congress under section 13(3) of the Federal Reserve Act. Approved: November 7, 2024 Lending and Liquidity Facilities—reports to Congress under section 13(3) of the Federal Reserve Act in response to COVID-19. Approved: November 7, 2024 Secretary Regulation I (Issue and Cancellation of Federal Reserve Bank Capital Stock)—final rule to apply an inflation adjustment to the asset threshold at which banks are subject to different dividend rates for their Federal Reserve Bank stock. Approved: November 4, 2024 Savings and Loan Holding Companies Atlanta Magnolia Bancorp, Inc., Metairie, Louisiana—to become a savings and loan holding company by acquiring Mutual Savings and Loan Association, Metairie, Louisiana, in connection with the mutual-to-stock conversion of Mutual Savings and Loan Association. Approved: November 8, 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 9, 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. CORNERSTONE BANK * Branch (Domestic) Cornerstone Bank, Spencer, Newspaper: Premises Massachusetts, to establish a branch Federal Register: located at 1125 Pleasant St, Worcester, Massachusetts 01605. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 11/14/2024 Not available Not available 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 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 9, 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 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 9, 2024 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 3 Federal Reserve Bank of Philadelphia The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 3603961 VICTORY BK, LIMERICK, PENNSYLVANIA 06/14/2024 07/10/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 4 Federal Reserve Bank of Cleveland Filings received during the week ending November 9, 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 9, 2024 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 5 Federal Reserve Bank of Richmond The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 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 9, 2024 Filer Filing Type Filing Proposal First National Bancshares of Louisiana, Inc. * 3A1 First National Bancshares of Louisiana, Newspaper: Inc., to become a bank holding company Federal Register: by acquiring First National Bank of Louisiana, both of Crowley, Louisiana. GEORGIA BANKING COMPANY, INC. * 3A5 Newspaper: Federal Register: * Subject to the provisions of the Community Reinvestment Act End of Comment Period 12/07/2024 12/12/2024 12/06/2024 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 9, 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 BANK IOWA CORPORATION Change in Bank Control Notice by Kathryn Paige Duncan, Newspaper: Lincoln, Nebraska, seeking permission Federal Register: to acquire more than 25 percent of the voting shares of Bank Iowa Corporation, and thereby indirectly retain voting shares of Bank Iowa, both of West Des Moines, Iowa. Not available 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 9, 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 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 9, 2024 Filer Filing Type Filing Proposal BANKFIRST FINANCIAL SERVICES * Branch (Domestic) BankFirst Financial Services, Macon, Newspaper: Mississippi, to establish a branch facility Federal Register: to be located at 11 Newtowne Loop, Hattiesburg, Mississippi. 11/22/2024 Not applicable BANKFIRST FINANCIAL SERVICES * Branch (Domestic) BankFirst Financial Services, Macon, Newspaper: Mississippi, to establish a branch facility Federal Register: to be located at 403 North Lamar Boulevard, Oxford, Mississippi. 11/22/2024 Not applicable * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 8 Federal Reserve Bank of St. Louis The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 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 9, 2024 Filer Filing Type Filing Proposal REDWOOD FINANCIAL, INC. Change in Bank Control Gale M. Hoese, Glencoe, Minnesota; to Newspaper: retain voting shares of Redwood Federal Register: Financial, Inc., and thereby indirectly retain voting shares of HomeTown Bank, both of Redwood Falls, 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 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 9, 2024 Filer Filing Type Filing Proposal RAWLINS BANKSHARES, INC. Change in Bank Control The Dwight H. France Revocable Trust Newspaper: and Candace France, in her capacity as Federal Register: successor trustee, both of Encampment, Wyoming; to retain voting shares of Rawlins Bankshares, Inc., Rawlins, Wyoming (the “company”), and thereby indirectly retain voting shares of Bank of Commerce, Rawlins, Wyoming (the “bank”). In addition, the Candace C. France Revocable Trust and Candace France as trustee, both of Encampment, Wyoming, to acquire voting shares of the company and thereby indirectly acquire voting shares of the bank; and to become members of the France Family Group. Additionally, Natalie France, Nampa, Idaho, Tara France, Katelyn France, and Karsyn France, all of Rawlins, Wyoming; to become members of the France Family Group, a group a group acting in concert, to retain shares of the company, and thereby indirectly retain voting shares of the bank. Not available 11/29/2024 STURM FINANCIAL Change in Bank GROUP, INC. Control The DLS SFG Marital Trust UTA The Newspaper: Donald L. Sturm Trust dated 4/22/1994, Federal Register: as amended, and its co-trustees, Susan M. Sturm, Stephen F. Sturm, and Emily S. Ehrens, all of Denver, Colorado; to join the Sturm Family Group, a group acting in concert, to retain voting shares of Sturm Financial Group, Inc., and thereby indirectly retain voting shares of ANB Bank, all of Denver, Colorado. Susan M. Sturm, Stephen F. Sturm, and Emily S. Ehrens, all individually, were previously permitted by the Reserve Bank to become members of the Sturm Family Group. 11/27/2024 11/29/2024 * 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 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 9, 2024 Filer Filing Type Filing Proposal ATHENS, TX BANCSHARES, INC. Change in Bank Control Elizabeth Blynn Austin Walsh and Emily Newspaper: Anne Austin, both of Dallas, Texas; Federal Register: Mary Margaret Austin, Longmont, Colorado; Carole Leigh Austin Mattson, Littleton, Colorado; Michael Austin Neill (as trustee or owner of various family trusts and companies) and MAN Legacy Trust, Michael Austin Neil, as trustee (as general partner of MAN Legacy, Ltd.), both of Athens, Texas; Kathryn Neill Woods (as trustee or owner of various family trusts and companies), Woods Legacy LP (Kathryn Neill Woods, limited partner), and AKA Management, LLC (as general partner of Woods Legacy LP), all of Fort Collins, Colorado; Jane Austin Chapman 2010 Trust, Michael Austin Neill and Kathryn Neill Woods, as co-trustees (as a member of Jane Austin Chapman Management Company, L.C.), Jane Austin Chapman Children's Insurance Trust, Michael Austin Neill, as trustee (as a shareholder and as a member of Jane Austin Chapman Management Company, L.C.), and Jane Austin Chapman 2012 Trust, Michael Austin Neill and Kathryn Neill Woods, as cotrustees, all of Frankston, Texas; and JMC General Partner, L.L.C., Jeff Austin, III, member (as general partner of The Opal Group, LP), Jacksonville, Texas -- to join the Austin/Chapman Family Control Group, a group acting in concert, and to retain voting shares of Athens, TX Bancshares, Inc., and thereby indirectly retain voting shares of First State Bank, both of Athens, Texas. Simultaneously, Jessica Leigh Neill Swinnea, Tyler, Texas, and Austin Kyle Neill, Dallas, Texas -- to join the * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available Not available District: 11 Federal Reserve Bank of Dallas Filings received during the week ending November 9, 2024 Filer Filing Type Filing Proposal Austin/Chapman Family Control Group, a group acting in concert, and to acquire voting shares of Athens, TX Bancshares, Inc., and thereby indirectly acquire voting shares of First State Bank, both of Athens, Texas. * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 11 Federal Reserve Bank of Dallas Filings received during the week ending November 9, 2024 Filer Filing Type AUSTIN BANCORP, Change in Bank INC. Control Filing Proposal End of Comment Period Mesa Loan Company of Athens, L.P. Newspaper: (Jeff Austin, III, limited partner), Federal Register: Briarbranch, L.L.C. (as general partner of Mesa Loan Company of Athens L.P.), Martin J. Heines (individually for his own account and as a member of Briarbranch, L.L.C.), and Jennifer Leigh Neill Swinnea, all of Tyler, Texas; JMC General Partner, L.L.C., Jeff Austin, III, member (as general partner of The Opal Group, LP) and Herbert P. Riley Irrevocable Trust (Jeff Austin, III, trustee), both of Jacksonville, Texas; Elizabeth Blynn Austin Walsh, Emily Anne Austin, and Austin Kyle Neill, all of Dallas, Texas; Mary Margaret Austin, Nicholas Austin Vann, and AnnieLaurie Noelle Vann, all of Longmont, Colorado; Carole Leigh Austin Mattson, James Harvey Mattson, Andrew James Mattson, and Lauren Leigh Mattson, all of Littleton, Colorado; Michael Austin Neill (as trustee or owner of various family trusts and companies), MAN Legacy, Ltd., MAN Legacy Trust, Michael Austin Neil, trustee (as general partner of MAN Legacy, Ltd.), and Jennifer Leigh Neill, all of Athens, Texas; Jane Austin Chapman 2010 Trust, Michael Austin Neill and Kathryn Neill Woods, co-trustees (as a member of Jane Austin Chapman Management Company, L.C.), Jane Austin Chapman Children’s Insurance Trust, Michael Austin Neill, trustee (as a shareholder and as a member of Jane Austin Chapman Management Company, L.C.), and Jane Austin Chapman 2012 Trust, Michael Austin Neill and Kathryn Neill Woods, co-trustees, all of Frankston, Texas; and Kathryn Neill Woods (as * Subject to the provisions of the Community Reinvestment Act Not available Not available District: 11 Federal Reserve Bank of Dallas Filings received during the week ending November 9, 2024 Filer Filing Type Filing Proposal End of Comment Period trustee or owner of various family trusts and companies), Woods Legacy L.P. (Kathryn Neill Woods, limited partner), AKA Management, LLC (as general partner of Woods Legacy L.P.), Abby Shea Woods, and Aubrey Kate Woods, all of Fort Collins, Colorado -- to join the Austin/Chapman Family Control Group, a group acting in concert, and to retain voting shares of Austin Bancorp, Inc., and thereby indirectly retain voting shares of Austin Bank, Texas National Association, both of Jacksonvill 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 Jane Austin Chapman Management Company, L.C. * 3A1 Not available Not available Jane Austin Management Company, Newspaper: L.C., Frankston, Texas – to become a Federal Register: bank holding company by acquiring Austin Bancorp, Inc., and thereby indirectly acquire Austin Bank, Texas National Association, both of Jacksonville, Texas; Athens, TX Bancshares, Inc., and thereby indirectly acquire First State Bank, both of Athens, Texas; and Capital Bancorp, Inc., Jacinto City, Texas, and thereby indirectly acquire Capital Bank, Houston, Texas. * Subject to the provisions of the Community Reinvestment Act District: 11 Federal Reserve Bank of Dallas Filings received during the week ending November 9, 2024 Filer Filing Type Filing Proposal VISTA BANCSHARES, INC. Change in Bank Control Retroactive Notice of Change in Bank Newspaper: Control (“Notice”) filed by The Kathryn Federal Register: McLaughlin Irrevocable Asset Trust FBO Patricia M. Thomas, Patricia M. Thomas as trustee, Patricia M. Thomas, Harvey I. Thomas, Ryan E. Thomas, Anne A. Thomas and three minor children, all of Granbury, Texas; Justin L. Thomas, Kimberly D. Thomas and three minor children, all of Lipan, Texas; The Kathryn McLaughlin Irrevocable Asset Trust FBO Karyn M. Frist, Karyn M. Frist as trustee, Karyn M. Frist, William H. Frist, Jr., and Bryan E. Frist, all of Nashville, Tennessee; and Jonathan M. Frist, Washington, D.C., to be collectively known as the ThomasFrist Family Group (“Control Group”) a group acting in concert, and thereby retain 10 percent or more of the controlling voting shares of Vista Bancshares, Inc. (“Company”) and indirectly Vista Bank (“Bank”), both of Dallas, Texas. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 11/27/2024 Not available 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 9, 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