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No. 41 Week ending October 12, 2024 Board Actions Enforcement Toronto-Dominion Bank, Toronto, Canada; TD Group U.S. Holdings, LLC, Cherry Hill, New Jersey; and TD Bank U.S. Holding Company, Cherry Hill, New Jersey—consent cease-and-desist order and assessment of a civil money penalty for violations related to anti-money-laundering laws. Announced: October 10, 2024 FEDERAL RESERVE RELEASE H.2 Actions Under Delegated Authority Bank Branches, Domestic Chicago Bank Iowa, West Des Moines, Iowa—to establish a branch at 1919 US-18, Clear Lake, Iowa. Approved: October 7, 2024 St. Louis The Central Trust Bank, Jefferson City, Missouri—to establish a branch at 2 Old Williamsburg Parkway, Wentzville, Missouri. Approved: October 8, 2024 MA Bank, Macon, Missouri—to establish a branch at 2022 North Baltimore Street, Kirksville, Missouri. Approved: October 11, 2024 Bank Holding Companies Chicago Western Illinois Bancshares, Inc., Monmouth, Illinois—to merge with Main Street Bancorp, Inc., and thereby indirectly acquire Princeville State Bank, both of Princeville, Illinois. Approved: October 7, 2024 Bank Mergers Kansas City Cornerstone Bank, York, Nebraska—to merge with Bank of Orchard, Orchard, Nebraska, and thereby establish a branch at 145 East 2nd Street, Orchard, Nebraska. Approved: October 7, 2024 Banks, State Member Secretary The Northern Trust Company, Chicago, Illinois—to make a public welfare investment. Approved: October 8, 2024 Change in Bank Control Dallas Moody Bancshares, Inc., Galveston, Texas—Russell Shearn Moody, League City, Texas; Frances MoodyDahlberg, Dallas, Texas; Moody Children’s 2018 Gift Trust, Galveston, Texas, Ross Rankin Moody, Austin, Texas, as trustee; Russell Shearn Moody Three R Voting Trust, Galveston, Texas, Russell Shearn Moody, League City, Texas, as trustee; Ross Rankin Moody Three R Voting Trust, Galveston, Texas, Ross Rankin Moody, Austin, Texas, as trustee; Frances Moody-Dahlberg Three R Voting Trust, Galveston, Texas, Frances Moody-Dahlberg, Dallas, Texas, as trustee; and Robert L. Moody, Jr. Three R Voting Trust, Galveston, Texas, Irwin M. Herz, Jr., Galveston, Texas, as trustee; to join the Moody Control Group, a group acting in concert, to retain voting shares of Moody Bancshares, Inc., and Moody Bank Holding Company, Reno, Nevada, and thereby indirectly retain voting shares of Moody National Bank, Galveston, Texas. Permitted: October 10, 2024 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Minneapolis Lake Elmo Bancshares, Inc., Lake Elmo, Minnesota—John Daniel Billingsley, Lake Elmo, Minnesota, to join the Raleigh Family Control Group, a group acting in concert, to retain voting shares of Lake Elmo Bancshares, Inc., and thereby indirectly retain voting shares of Lake Elmo Bank, Lake Elmo, Minnesota. Permitted: October 10, 2024 Regulations and Policies General Counsel Bank Term Funding Program—report to Congress under section 13(3) of the Federal Reserve Act. Approved: October 7, 2024 Lending and Liquidity Facilities—reports to Congress under section 13(3) of the Federal Reserve Act in response to COVID-19. Approved: October 7, 2024 Supervision and Regulation General Counsel Barclays US LLC, New York, New York—application for approval of a proposed internal debt " conversion trigger" that would allow the Board to order the conversion of Barclays US LLC's eligible long-term debt into common equity tier 1 capital, in accordance with the Board's TLAC (total-loss absorbing capacity) rule.* Approved: September 27, 2024 *Addition BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov District: 1 Federal Reserve Bank of Boston Filings received during the week ending October 12, 2024 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 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 October 12, 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 October 12, 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 October 12, 2024 Filer Filing Type Filing Proposal End of Comment Period SB FINANCIAL GROUP INC * 3A3 * 3A5 Application by SB Financial Group, Inc. Newspaper: Defiance, Ohio, to acquire Marblehead Federal Register: Bancorp, and thereby indirectly acquire The Marblehead Bank, both of Marblehead, Ohio, pursuant to section 3(a)(3) and 3(a)(5) of the Bank Holding Company Act. STATE BANK AND * 18C The State Bank and Trust Company, Newspaper: TRUST COMPANY, * Branch (Domestic) Defiance, Ohio to merge with The Federal Register: THE Marblehead Bank, Marblehead, Ohio, pursuant to Section 18(c) of the Federal Deposit Insurance Act and, thereby, acquire the branch offices of the target depository institution. * Subject to the provisions of the Community Reinvestment Act 11/07/2024 Not available 11/07/2024 Not applicable 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 October 12, 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 October 12, 2024 Filer Filing Type Filing Proposal EVERBANK FINANCIAL CORP * 3A3 EverBank Financial Corp, Jacksonville, Newspaper: Florida; to acquire Sterling Bank and Federal Register: Trust, F.S.B., Southfield, Michigan. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 11/09/2024 11/20/2024 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 479839 TENNESSEE ST BK, PIGEON FORGE, TENNESSEE 10/29/2023 06/12/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 7 Federal Reserve Bank of Chicago Filings received during the week ending October 12, 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 AJJ BANCORP, INC. Change in Bank Control The Johnson 2024 Dynasty Trust, Newspaper: Milwaukee, Wisconsin, with Greg Federal Register: Johnson, Solon, Iowa, and Peter J. Wilder, Pewaukee, Wisconsin, as cotrustees, and Abby Johnson, Solon, Iowa as Grantor, Abby Johnson, Solon, Iowa to join the Johnson Family Control Group by acquire voting shares of AJJ Bancorp, Inc., Coralville, Iowa and thereby indirectly acquiring voting shares of Central State Bank, Coralville, Iowa 10/31/2024 Not available ARBOR BANCORP, Change in Bank INC. Control The Michael Carl Martin BAA Newspaper: Irrevocable Trust, Ann Arbor, Michigan Federal Register: with Michael Carl Martin, Ann Arbor, Michigan as Trustee and Tye J. Klooster, Orland Park, Illinois as Trust Protector; and the William Seth Martin BAA Irrevocable Trust, Ann Arbor, Michigan with William Seth Martin, Wilmette, Illinois as Trustee and Tye J. Klooster, Orland Park, Illinois as Trust Protector, intend to join the Martin Family Control Group and acquire voting shares of Arbor Bancorp, Inc., and thereby indirectly acquire voting shares of Bank of Ann Arbor, both of Ann Arbor, Michigan. 10/16/2024 10/15/2024 BSB COMMUNITY BANCORPORATIO N, INC. 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 Change in Bank Control * 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 October 12, 2024 Filer Filing Type DEVON BANCORP, Change in Bank INC. Control FIRST FARMERS BANK & TRUST CO. Filing Proposal End of Comment Period Donna Loundy, Glenview, Illinois, Newspaper: Joseph Loundy, Chicago, Illinois, Daniel Federal Register: Loundy, Ingleside, Illinois, David Loundy, Glencoe, Illinois, Alexander Loundy, Glencoe, Illinois, Samuel Loundy, Glencoe, Illinois, Ari Loundy, Chicago, Illinois, Ronen Loundy, Kenosha, Wisconsin, Elan Loundy, Boulder, Colorado, Irving Loundy, Chicago, Illinois and LFI Glenview, LLC, Glenview, Illinois a group acting in concert, to retain voting shares of Devon Bancorp, Inc. and thereby indirectly retain voting shares of Devon Bank, both of Chicago, Illinois. * Branch (Domestic) First Farmers Bank & Trust, Converse, Newspaper: Indiana to establish a branch located at Federal Register: 1511 West South Street, Lebanon, Indiana 46052. * Subject to the provisions of the Community Reinvestment Act Not available 10/17/2024 Not available Not applicable District: 7 Federal Reserve Bank of Chicago Filings received during the week ending October 12, 2024 Filer Filing Type FIRST STATE Change in Bank BANK OF PORTER Control Filing Proposal End of Comment Period Notice by James D. Ruge Revocable Newspaper: Trust Dated 3/28/2013, Beverly Shores, Federal Register: Indiana with James Ruge as Trustee, Beverly Shores, Indiana; Thomas Ruge, Monrovia, Indiana; The First State Bank of Porter as Custodian FBO Thomas R. Ruge IRA, Thomas Ruge as beneficiary, both of Monrovia, Indiana; The Kathleen Scott Family Wealth Trust dated 11/22/2016, Fairport, New York, with Kathleen Scott, Fairport, New York as Trustee; The Ruge Trust Dated 6/01/2016, Burns Harbor, Indiana with Dawn Ruge, Burns Harbor, Indiana as Trustee; Jacqueline Ruge-Perkins, Chesterton, Indiana; Ana Ruge-Rodela, Elgin, Illinois; Celina Clements, Mooresville, Indiana; Margaret McLaughlin, Andover, Massachusetts; Pamela Strudas, Chesterton, Indiana; Dawn Hernandez, Naples, Florida; the Michael and Suzanne Mahaffey Revocable Trust Dated 1/21/2022, Porter, Indiana with Michael Mahaffey and Suzanne Mahaffey as trustees, both of Porter, Indiana; and Roy Krizek of Beverly Shores, Indiana to retain over 25 percent of voting shares of the First State Bank of Porter, Porter, Indiana. * Subject to the provisions of the Community Reinvestment Act Not available 10/24/2024 District: 7 Federal Reserve Bank of Chicago Filings received during the week ending October 12, 2024 Filer Filing Type Filing Proposal GLENWOOD BANCORPORATIO N Change in Bank Control Notice by Grant C. Dean, Glenwood, Newspaper: Iowa, together with the John C. Dean Federal Register: 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, both of Glenwood, Iowa. Not available 10/15/2024 STERLING BANCORP, INC. Change in Bank Control J. Thomas MacFarlane, Bloomfield, Newspaper: Michigan, as trustee of the K.I.S.S. Federal Register: Dynasty Trust No. 9 (dated December 28, 2023), Sioux Falls, South Dakota, to retain control of voting shares of Sterling Bancorp, Inc. (“Bancorp”), and thereby indirectly retain control of voting shares of Sterling Bank and Trust, FSB (“Bank”), both of Southfield, Michigan. In addition, J. Thomas MacFarlane, to become trustee of the Scott J. Seligman 1993 Long Term Irrevocable Dynasty Trust and the Scott J. Seligman 1993 Irrevocable Dynasty Trust, both of Sioux Falls, South Dakota, and acquire control of additional voting shares of Bancorp and thereby indirectly acquire control of voting shares of Bank. Not available 10/16/2024 * 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 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 448040 OXFORD BK, OXFORD, MICHIGAN02/16/2024 05/15/2023 S Int Small Bank 08/14/2023 S Int Small Bank 01/22/2024 S CRA Examinations scheduled for Quarter of 695349 TRI-COUNTY BK, BROWN CITY, MICHIGAN 04/06/2024 433943 NONE 05/05/2024 Institution WASHINGTON ST BK, WASHINGTON, IOWA Location * Subject to the provisions of the Community Reinvestment Act Quarter Int Small Bank District: 8 Federal Reserve Bank of St. Louis Filings received during the week ending October 12, 2024 Filer Filing Type FIRST STATE BANCSHARES, INC. Change in Bank Control Filing Proposal Notice by Teresa Grindstaff and Greg Allen as co-trustees of the Justin W. Gillam 2016 Irrevocable Family Trust U/A DTD 11/14/2016, the Paul Grindstaff III 2020 Irrevocable Trust U/ A DTD 12/30/2020, the Teresa A. Grindstaff 2021 Irrevocable Trust U/A DTD 12/09/2021, and the Paul Grindstaff Jr 2021 Irrevocable Family Trust U/A DTD 12/27/2021; Paul Grindstaff III and Greg Allen as cotrustees of the Teresa A. Grindstaff 2021 Irrevocable Family Trust U/A DTD 12/16/2021 and the Paul Grindstaff III 2021 Irrevocable Trust U/ A DTD 12/16/2021; Paul Grindstaff III and Ashley L. Grindstaff as co-trustees of the Paul Grindstaff III and Ashley L Grindstaff Revocable Trust DTD 01/19/2016; Paul Grindstaff III as cotrustee of the Teresa A. Grindstaff 2012 Family Trust; Bryant C. Allen and Alta C. Allen as co-trustees of the Bryant C. Allen and Alta C. Allen Revocable Trust DTD 08/27/2019, all of Farmington, Missouri; Bryana M. Martin, Fort Worth, Texas; and Finian C.. Boesch, Cape Girardeau, Missour to join the previously approved Grindstaff/Allen control group and retain voting shares of First State Bancshares, Inc., and thereby indirectly retain voting shares of First State Community Bank, both of Farmington, Missouri * Subject to the provisions of the Community Reinvestment Act End of Comment Period Newspaper: Federal Register: 10/31/2024 Not Available 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 October 12, 2024 Filer Filing Type Filing Proposal BRAVERA HOLDINGS CORP. * 3A5 * 3A1 Bravera Holdings Corp., Dickinson, Newspaper: North Dakota, to acquire Vision Bank Federal Register: Holdings, Inc., Fargo, North Dakota, and thereby indirectly acquire VISIONBank, Fargo, North Dakota. In addition, Bravera Acquisition Corp., Dickinson, North Dakota, an interim subsidiary, to merge with Vision Bank Holdings, Inc., whereby Bravera Acquisition Corp. will be the surviving entity and a whollyowned subsidiary of Bravera Holdings Corp. for a moment in time. Following the interim holding company merger, Bravera Acquisition Corp. will be merged with and into Bravera Holdings Corp., with Bravera Holdings Corp. being the surviving entity. Not available 11/12/2024 STEARNS * 3A3 FINANCIAL SERVICES, INC. EMPLOYEE STOCK OWNERSHIP PLAN Stearns Financial Services, Inc. Newspaper: Employee Stock Ownership Plan and Federal Register: Trust, to acquire up to 23.65 percent of the voting shares of Stearns Financial Services, Inc., both of Saint Cloud, Minnesota, and thereby indirectly acquire voting shares of Stearns Bank National Association, Saint Cloud, Minnesota, and Stearns Bank of Upsala, National Association, Upsala, Minnesota. Not available 11/12/2024 * 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 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 October 12, 2024 Filer Filing Type Filing Proposal BLAIR HOLDINGS, INC. Change in Bank Control Clarkson Lauritzen, as trustee of the Newspaper: previously approved John R. Lauritzen Federal Register: Irrevocable Trust and the Elizabeth D. Lauritzen Irrevocable Trust, all of Omaha, Nebraska; to retain voting shares of Blair Holdings, Inc., Omaha, Nebraska (BHI), and thereby indirectly retain voting shares of Washington County Bank, Blair, Nebraska (WCB). In addition, the John R. Lauritzen 1972 Trust f/b/o Margaret L. Dodge and Family, First National Bank of Omaha (FNBO) and Margaret Dodge, cotrustees; and the Elizabeth D. Lauritzen 1972 Trust f/b/o Margaret L. Dodge and Family, FNBO and Margaret Dodge, cotrustees, all of Omaha, Nebraska; to become members of the Lauritzen Family Group, a group acting in concert, to acquire voting shares of BHI, and thereby indirectly acquire voting shares of WCB. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available 10/16/2024 District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 12, 2024 Filer Filing Type DANES HOLDINGS, Change in Bank INC. Control Filing Proposal End of Comment Period Clarkson Lauritzen, as trustee of the Newspaper: previously approved John R. Lauritzen Federal Register: Irrevocable Trust and the Elizabeth D. Lauritzen Irrevocable Trust, all of Omaha, Nebraska; to retain voting shares of Danes Holdings, Inc., Omaha, Nebraska (Danes), and thereby indirectly retain voting shares of Shelby County State Bank, Harlan, Iowa (SCB). In addition, the John R. Lauritzen 1972 Trust f/b/o Clarkson D. Lauritzen & Family, First National Bank of Omaha (FNBO) and Clarkson Lauritzen, cotrustees; and the Elizabeth D. Lauritzen 1972 Trust f/b/o Clarkson D. Lauritzen & Family, FNBO and Clarkson Lauritzen, co-trustees, all of Omaha, Nebraska; to acquire voting shares of Danes, and thereby indirectly acquire voting shares of SCB. * Subject to the provisions of the Community Reinvestment Act Not available 10/16/2024 District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 12, 2024 Filer Filing Type Filing Proposal FIRST NATIONAL OF NEBRASKA, INC. Change in Bank Control Clarkson Lauritzen, as Chairman of Newspaper: Lauritzen Corporation and Vice Federal Register: President of FirstLine Insurance Services, Inc.; as voting representative of two family trusts; and as trustee tof five family trusts; all of Omaha, Nebraska; to retain voting shares of First National of Nebraska, Inc. (FNNI), and thereby indirectly retain voting shares of First National Bank of Omaha (FNBO), both of Omaha, Nebraska. In addition, the Clarkson D. Lauritzen Dynasty Trust and the Emily Lauritzen Revocable Trust dtd 7/22/2008, Emily Lauritzen, trustee; the Bruce R. Lauritzen 2022 Grantor Retained Annuity Trust I-A, dated June 16, 2022, and the Bruce R. Lauritzen 2023 Grantor Retained Annuity Trust I-A, dated June 16, 2023, FNBO, trustee, Margaret Dodge, voting representative; the 2012 Dynasty Trust for the Benefit of Margaret Lauritzen Dodge, the 2019 John P. Dodge Irrevocable Trust, the 2019 Isabelle C. Dodge Irrevocable Trust, the 2019 Eleanor W. Dodge Irrevocable Trust, and the 2019 Laura C. Dodge Irrevocable Trust, Margaret Dodge, trustee; the Margaret Lauritzen Dodge Irrevocable Legacy Trust, Nathan Dodge, trustee, individually and through McKay Investments LLC; McKay Investments LLC, Margaret Lauritzen Dodge Irrevocable Legacy Trust, Nathan Dodge, trustee; the Bruce R. Lauritzen 2022 Grantor Retained Annuity Trust II-A, dated June 16, 2022, and the Bruce R. Lauritzen 2023 Grantor Retained Annuity Trust II-A, dated June 16, 2023, FNBO, trustee, Blair Gogel, voting * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available 10/16/2024 District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 12, 2024 Filer Filing Type Filing Proposal representative; the 2012 Dynasty Trust for the Benefit of Blair Lauritzen Gogel, the 2019 Kimball A. Gogel Irrevocable Trust, and the 2019 Thomas M. Gogel Irrevocable Trust, Blair Gogel, trustee; the Emily Wahl Lauritzen Irrevocable Dynasty Trust, dated June 17, 2020, FNBO, trustee, Blair Gogel, investment committee member, individually and through KBL LLC; KBL LLC, Emily Wahl Lauritzen Irrevocable Dynasty Trust dtd 6/17/20 Class A Holder, FNBO, trustee, Blair Gogel, investment committee member; Lookout Mountain LLC, Blair Lauritzen Gogel Irrevocable Legacy Trust dtd 3/15/23, Matt Gogel, trustee; the Ann L. Pape Family Dynasty Trust dtd 12/23/16, FNBO, trustee, Matthew Pape and Brady Pape, Special Holdings Direction Advisors, and Pape Investments, LLC, the Brady Pape Gibson Irrevocable Dynasty Trust, dated 11/22/16, FNBO and Ryan R. Gibson, co-trustees, the Matthew M. Pape Irrevocable Dynasty Trust, dtd 11/11/15, FNBO and Kimberly S. Pape, cotrustees, all as interest holders of EDL Investment Co. LLC, a previously approved member of the Lauritzen Family Group; the Ann L. Pape Revocable Trust, Ann Lauritzen Pape, trustee, individually and through EDL Investment Co. LLC; the Ann L. Pape 2021 First National of Nebraska, Inc. Three-Year Progressive Payment GRAT Agreement, FNBO, trustee, Brady Gibson & Matthew Pape, Special Holding Direction Advisors, individually and through EDL Investment Co. LLC The Brady Pape Gibson 2022 Grantor * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 12, 2024 Filer Filing Type Filing Proposal End of Comment Period Retained Annuity Trust and the Brady Pape Gibson 2020 Irrevocable Dynasty Trust, FNBO and Ryan Gibson, cotrustees; the Matthew M Pape 2022 Grantor Retained Annuity Trust and the Matthew M Pape 2020 Irrevocable Dynasty Trust, FNBO and Kimberly Pape, co-trustees; the Elizabeth Lauritzen Family Trust fbo Matthew Pape and the Elizabeth Lauritzen Family Trust fbo Brady Gibson, FNN Trust Company, Mitchel, South Dakota and Ann Lauritzen Pape, co-trustees; three trusts each for the benefit of a minor child of Matthew Pape, FNBO, trustee, and Matthew Pape, Special Holdings Direction Advisor; and three trusts each for the benefit of a minor child of Brady Gibson, FNBO, trustee, and Brady Gibson, Special Holdings Direction Advisor; all of the aforementioned individuals, trusts, and LLCs are of Omaha, Nebraska unless otherwise specifically noted; to become members of the Lauritzen Family Group, a group acting in concert. Finally, Blair Gogel, as voting representative and trustee;to acquire voting shares of FNNI, and thereby indirectly acquire voting shares of FNBO. FIRST STATE BANK NEBRASKA * Branch (Domestic) First State Bank Nebraska, Lincoln, Newspaper: Nebraska, to establish a branch located Federal Register: at 224 W. Fourth Street, Cortland, Nebraska. * Subject to the provisions of the Community Reinvestment Act 10/25/2024 Not applicable District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 12, 2024 Filer Filing Type Filing Proposal LAURITZEN CORPORATION Change in Bank Control Clarkson Lauritzen, individually, as Newspaper: voting representative of the Bruce R. Federal Register: Lauritzen 2022 Grantor Retained Annuity Trust III-A, dated June 16, 2022 and the Bruce R. Lauritzen 2023 Grantor Retained Annuity Trust III-A, dated June 16, 2023, and as trustee of the Clarkson D. Lauritzen Revocable Trust, the Clarkson D. Lauritzen GSTExempt Trust, and the previously approved John R. Lauritzen Irrevocable Trust and Elizabeth D. Lauritzen Irrevocable Trust, all of Omaha, Nebraska; the Margaret L. Dodge Revocable Trust and the Margaret L. Dodge GST Exempt Trust, Margaret Dodge, trustee, all of Omaha, Nebraska; the Blair L. Gogel Revocable Trust and the Blair L. Gogel GST-Exempt Trust, both of Omaha, Nebraska, Blair Gogel, trustee, Mission Hills, Kansas; and the Emily Wahl Lauritzen Irrevocable Dynasty Trust, dated June 17, 2020, Omaha, Nebraska, FNBO, trustee, Blair Gogel, investment committee member; to become members of the Lauritzen Family Group, a group acting in concert, to retain voting shares of Lauritzen Corporation, Omaha, Nebraska (Corporation), and thereby indirectly retain voting shares of First National of Nebraska, Inc. (FNNI), and its subsidiary, First National Bank of Omaha (FNBO), both of Omaha, Nebraska. In addition, the John R. Lauritzen 1972 Trust f/b/o Clarkson D. Lauritzen & Family, First National Bank of Omaha (FNBO) and Clarkson Lauritzen, cotrustees, all of Omaha, Nebraska; the Elizabeth D. Lauritzen 1972 Trust f/b/o * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available 10/16/2024 District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 12, 2024 Filer Filing Type Filing Proposal Clarkson D. Lauritzen & Family, FNBO and Clarkson Lauritzen, co-trustees; the John R. Lauritzen 1972 Trust f/b/o Margaret L. Dodge & Family and the Elizabeth D. Lauritzen 1972 Trust f/b/o Margaret L. Dodge & Family, FNBO and Margaret Dodge, co-trustees; the John R. Lauritzen 1972 Trust f/b/o Blair L. Gogel & Family and the Elizabeth D. Lauritzen 1972 Trust f/b/o Blair L. Gogel & Family, FNBO and Blair Gogel, cotrustees, trusts all of Omaha, Nebraska; Margaret Dodge, individually; and Blair Gogel, individually; to become members of the Lauritzen Family Group, to acquire voting shares of Corporation, and thereby indirectly acquire voting shares of FNNI, and its subsidiary FNBO. * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 12, 2024 Filer Filing Type Filing Proposal LAURITZEN INVESTMENTS, INCORPORATED Change in Bank Control Clarkson Lauritzen, as trustee of the Newspaper: Clarkson D. Lauritzen Revocable Trust, Federal Register: and the previously approved John R. Lauritzen Irrevocable Trust and Elizabeth D. Lauritzen Irrevocable Trust, all of Omaha, Nebraska; the Clarkson D. Lauritzen Revocable Trust, Clarkson Lauritzen, trustee; the Margaret L. Dodge Revocable Trust, Margaret Dodge, individually and as trustee, all of Omaha, Nebraska; the Bruce R. Lauritzen 2022 Grantor Retained Annuity Trust I-A, dated June 16, 2022 and the Bruce R. Lauritzen 2023 Grantor Retained Annuity Trust I-A, dated June 16, 2023, First National Bank of Omaha (FNBO), trustee, Margaret Dodge, voting representative, all of Omaha, Nebraska; the Bruce R. Lauritzen 2022 Grantor Retained Annuity Trust II-A, dated June 16, 2022 and the Bruce R. Lauritzen 2023 Grantor Retained Annuity Trust II-A, dated June 16, 2023, both of Omaha, Nebraska, FNBO, trustee, Blair Gogel, as voting representative, Mission Hills, Kansas; and the Blair Gogel Revocable Trust, Omaha, Nebraska, Blair Gogel, trustee; to become members of the Lauritzen Family Group, a group acting in concert, to retain voting shares of Lauritzen Investments, Inc., Omaha, Nebraska (Investments), and thereby indirectly retain voting shares of Farmers and Merchants State Bank, Bloomfield, Nebraska (F&M). In addition, the John R. Lauritzen 1972 Trust f/b/o Margaret L. Dodge & Family, First National Bank of Omaha (FNBO) and * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available 10/16/2024 District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 12, 2024 Filer Filing Type Filing Proposal Margaret Dodge, co-trustees, all of Omaha, Nebraska; the John R. Lauritzen 1972 Trust f/b/o Blair L. Gogel & Family, FNBO, co-trustee, both of Omaha, Nebraska, and Blair Gogel, cotrustee, Mission Hills, Kansas; the Elizabeth D. Lauritzen 1972 Trust f/b/o Margaret L. Dodge & Family, FNBO and Margaret Dodge, co-trustees; the Elizabeth D. Lauritzen 1972 Trust f/b/o Blair L. Gogel & Family, FNBO and Blair Gogel, co-trustees; both trusts of Omaha, Nebraska; and Blair Gogel, individually; to become members of the Lauritzen Family Group, to acquire voting shares of Investments, and thereby indirectly acquire voting shares of F&M. * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 12, 2024 Filer Filing Type Filing Proposal RED OAK FINANCIAL CORPORATION Change in Bank Control Clarkson Lauritzen, as trustee of the Newspaper: previously approved John R. Lauritzen Federal Register: Irrevocable Trust and the Elizabeth D. Lauritzen Irrevocable Trust, all of Omaha, Nebraska; to retain voting shares of Red Oak Financial Corporation, Omaha, Nebraska (Red Oak), and thereby indirectly retain voting shares of Houghton State Bank, Red Oak, Iowa (HSB). In addition, the John R. Lauritzen 1972 Trust f/b/o Clarkson D. Lauritzen & Family, First National Bank of Omaha (FNBO) and Clarkson Lauritzen, cotrustees; and the Elizabeth D. Lauritzen 1972 Trust f/b/o Clarkson D. Lauritzen & Family, FNBO and Clarkson Lauritzen, co-trustees, all of Omaha, Nebraska; to become members of the Lauritzen Family Group, a group acting in concert, to acquire voting shares of Red Oak, and thereby indirectly acquire voting shares of HSB. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available 10/16/2024 District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 12, 2024 Filer Filing Type Filing Proposal YORK HOLDINGS, INC. Change in Bank Control Clarkson Lauritzen, as trustee of the Newspaper: previously approved John R. Lauritzen Federal Register: Irrevocable Trust and the Elizabeth D. Lauritzen Irrevocable Trust, all of Omaha, Nebraska; to retain voting shares of York Holdings, Inc., Omaha, Nebraska (YHI), and thereby indirectly retain voting shares of York State Bank, York, Nebraska (YSB). In addition, the John R. Lauritzen 1972 Trust f/b/o Margaret L. Dodge and Family, First National Bank of Omaha (FNBO) and Margaret Dodge, cotrustees; and the Elizabeth D. Lauritzen 1972 Trust f/b/o Margaret L. Dodge and Family, FNBO and Margaret Dodge, cotrustees, all of Omaha, Nebraska; to become members of the Lauritzen Family Group, a group acting in concert, to acquire voting shares of YHI, and thereby indirectly acquire voting shares of YSB. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available 10/16/2024 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 1836701 ENTERPRISE BK, OMAHA, NEBRASKA 10/23/2023 08/07/2023 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 CRA Examinations scheduled for Quarter of 669555 MIDWEST BK, PIERCE, NEBRASKA 02/26/2024 11/27/2023 S Int Small Bank 955959 NONE 07/21/2024 04/29/2024 S Institution SECURITY ST BK, BASIN, WYOMING Location * Subject to the provisions of the Community Reinvestment Act Quarter Int Small Bank District: 11 Federal Reserve Bank of Dallas Filings received during the week ending October 12, 2024 Filer Filing Type Filing Proposal End of Comment Period LIBERTY CAPITAL BANCSHARES. INC. * 3A3 Liberty Capital Bancshares, Inc., Addison, Texas, to acquire Southwestern Bancorp, Inc., Boerne, Texas, and thereby indirectly acquire Texas Heritage Bank, both of Boerne, Texas. Newspaper: Federal Register: Not available 11/06/2024 TEXAS BANC FINANCIAL CORP Change in Bank Control The Amy K. Brown 2010 Trust, Billy Newspaper: Francis Knight, as trustee, both of Fort Federal Register: Worth, Texas, Texas; the Molly A. Knight 2010 Trust, Billy Francis Knight, as trustee, both of Fort Worth, Texas; the David A. Knight 2010 Trust, Billy Francis Knight, as trustee, both of Fort Worth, Texas; and the Patrick J Doss 2021 Trust, Billy Francis Knight, as trustee, both of Fort Worth, Texas; to become members of the Doss/Knight Family Group, a group acting in concert, to acquire voting shares of Texas Banc Financial Corp, Fort Worth, Texas, and indirectly, TexasBank, Brownwood, Texas. Not available Not available * Subject to the provisions of the Community Reinvestment Act 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 October 12, 2024 Filer Filing Type Filing Proposal WESTERN ALLIANCE BANK Public Welfare Investment Western Alliance Bank would like to Newspaper: make a $25 million PWI investment in a Federal Register: Low-Income Tax Credit property View at San Bruno. Not applicable Not applicable WESTERN ALLIANCE BANK Public Welfare Investment Western Alliance Bank would like to Newspaper: make a $25 million public welfare Federal Register: investment in the Low-Income Housing Tax Credit property of Casa Grande Family Apartments. Not applicable Not applicable WESTERN ALLIANCE BANK Public Welfare Investment Western Alliance Bank would like to Newspaper: make a $20 million public welfare Federal Register: investment in the Low-Income Housing Tax Credit property of Arterra Apartments. Not applicable Not applicable WESTERN ALLIANCE BANK Public Welfare Investment Western Alliance Bank would like to Newspaper: make a $21.2 million public welfare Federal Register: investment in the Low-Income Housing Tax Credit property of Saddleback Village at Stonegate. Not applicable Not applicable * 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