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No. 42 Week ending October 19, 2024 Board Actions Personnel Legal Division—appointment of Michelle Kapoor as assistant general counsel. Approved: October 16, 2024 Legal Division—appointment of Joshua Chadwick as assistant general counsel. Approved: October 16, 2024 FEDERAL RESERVE RELEASE H.2 Actions Under Delegated Authority Bank Branches, Domestic Dallas First State Bank, Gainesville, Texas—to establish a branch at 3427 West FM 120, Denison, Texas. Approved: October 17, 2024 St. Louis Peoples Bank of Altenburg, Altenburg, Missouri—to establish a branch at 750 South Perryville Boulevard, Perryville, Missouri.* Approved: October 9, 2024 *Addition Bank Holding Companies Minneapolis Bravera Holdings Corp., Dickinson, North Dakota—request by George Ehlis for relief from a commitment involving Bravera Holdings Corp. (formerly known as United Bancor, Ltd.).* Granted: October 8, 2024 *Addition Banks, State Member Dallas Charles Schwab Bank, SSB, Westlake, Texas—to make a public welfare investment.* Approved: October 7, 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 19, 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 Not available 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 October 19, 2024 Filer Filing Type Filing Proposal GOLDMAN SACHS BANK USA Public Welfare Investment Goldman Sachs Bank USA, New York, Newspaper: New York, to make a public welfare Federal Register: investment, pursuant to Section 208.22(d) of Regulation H. Not applicable Not applicable MANUFACTURERS Public Welfare AND TRADERS Investment TRUST COMPANY 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. Not applicable Not applicable * 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 19, 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 19, 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 October 19, 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 19, 2024 Filer Filing Type Filing Proposal SB Financial, Inc. * 3A1 SB Financial, Inc., Mt. Juliet, Newspaper: Tennessee, to become a bank holding Federal Register: company by acquiring outstanding shares of Southern Bank of Tennessee, Mt. Juliet, Tennessee. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not applicable Not applicable District: 6 Federal Reserve Bank of Atlanta The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 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 19, 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 ALLY BANK Public Welfare Investment Ally Bank, Sandy, Utah to make up to an Newspaper: investment, pursuant to section Federal Register: 208.22(b)(1)(iv)(A) of Regulation H. Not applicable Not applicable 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 DEVON BANCORP, Change in Bank INC. Control 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. Not available 10/17/2024 FIRST FARMERS BANK & TRUST CO. End of Comment Period * 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 Not applicable District: 7 Federal Reserve Bank of Chicago Filings received during the week ending October 19, 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 Not available 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 19, 2024 Filer Filing Type Filing Proposal NONE * 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 October 19, 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. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available 11/12/2024 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 19, 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 19, 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 19, 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 19, 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 19, 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. LAMAR BANK AND * Branch (Domestic) Lamar Bank and Trust Company, TRUST COMPANY Lamar, Missouri, to establish a branch located at 514 West Fourth Street, Lockwood, Missouri. * Subject to the provisions of the Community Reinvestment Act Newspaper: Federal Register: 11/01/2024 Not applicable District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 19, 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 19, 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 19, 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 19, 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 19, 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 19, 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 19, 2024 Filer Filing Type Filing Proposal FROST BANK * Branch (Domestic) Frost Bank, San Antonio, Texas, to establish a branch at 12420 Tillgang Pass, Building 1, Manor, Texas. TEXAS BANC FINANCIAL CORP Change in Bank Control End of Comment Period Newspaper: Federal Register: 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. * Subject to the provisions of the Community Reinvestment Act 10/25/2024 Not applicable 11/08/2024 11/01/2024 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 19, 2024 Filer Filing Type Filing Proposal BAKER BOYER BANCORP Change in Bank Control Notice of Change in Bank Control filed Newspaper: by Megan F. Clubb, Clifford W. Kontos, Federal Register: and Russell S. Colombo, all of Walla Walla, Washington, on behalf of a group of shareholders, acting in concert under a Limited Shareholders Agreement to control approximately 45 percent of the outstanding voting shares of Baker Boyer Bancorp, and thereby to indirectly control Baker Boyer National Bank, both of Walla Walla, Washington. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 11/15/2024 11/12/2024 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