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No. 40 Week ending October 5, 2024 Board Actions Enforcement Bank of Jackson Hole, Jackson, Wyoming—consent cease-and-desist order against Lindsay Graves, a former institution-affiliated party. Announced: October 3, 2024 Citigroup Inc., New York, New York—cease-and-desist order dated March 21, 2013, terminated September 26, 2024. Announced: October 1, 2024 Opportunity Bank of Montana, Helena, Montana—consent order of assessment of a civil money penalty pursuant to the National Flood Insurance Act. Announced: October 3, 2024 FEDERAL RESERVE RELEASE H.2 Actions Under Delegated Authority Bank Branches, Domestic Dallas Frost Bank, San Antonio, Texas—to establish a branch at 19019 IH 35, Kyle, Texas. Approved: October 1, 2024 Minneapolis Pillar Bank, Baldwin, Wisconsin—to establish a branch at 1080 Cornwall Avenue, Amery, Wisconsin. Approved: October 3, 2024 New York Orange Bank and Trust Company, Middletown, New York—to establish a branch at 3485 East Tremont Avenue, Bronx, New York. Approved: October 4, 2024 Bank Holding Companies Chicago GTSB Financial Inc., Plymouth, Michigan—to become a bank holding company by acquiring First State Bank of Decatur, Decatur, Michigan. Approved: September 30, 2024 Dallas Karnes County National Bancshares, Inc., Karnes City, Texas—to become a bank holding company by acquiring The Karnes County National Bank of Karnes City, Karnes City, Texas. Approved: October 3, 2024 General Counsel Alerus Financial Corporation, Grand Forks, North Dakota—waiver of application to acquire HMN Financial, Inc., Rochester, Minnesota, and thereby indirectly acquire Home Federal Savings Bank, Rochester, Minnesota, in connection with the merger of Home Federal Savings Bank with and into Alerus Financial, National Association, Grand Forks, North Dakota.* Approved: September 24, 2024 *Addition Kansas City Heritage Bancshares, Inc., Topeka, Kansas—termination of a commitment.* Granted: September 23, 2024 *Addition Banks, State Member Secretary Manufacturers and Traders Trust Company, Buffalo, New York—to make certain public welfare investments (four requests). BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Approved: October 3, 2024 Change in Bank Control Chicago Anderson Bancorp, Inc., Oneida, Illinois—Richard D. Anderson, Dahinda, Illinois, individually and as trustee of the Mary Jan Anderson Trust, Galesburg, Illinois; Andrew V. Anderson, Monument, Colorado; Megan L. Compton and Wesley J. Anderson, both of Oneida, Illinios; to form the Anderson Family Control Group, a group acting in concert, to acquire voting shares of Anderson Bancorp, Inc., and thereby indirectly acquire voting shares of Anderson State Bank, Oneida, Illinois. Permitted: October 1, 2024 St. Louis MHBC Investments Limited Partnership I, LLLP, England, Arkansas—the Gary Canada Family Trust and the Bradley S. Canada 2020 Trust, Bradley S. Canada as trustee for both, all of Little Rock, Arkansas; and Gary R. Canada Sr., England, Arkansas; a group acting in concert, to retain voting shares of MHBC Investments Limited Partnership I, LLLP, and thereby indirectly retain voting shares of Canada Bancshares, Inc., and the Bank of England, both of England, Arkansas. Returned: September 30, 2024 Townsend Financial Corporation, Parsons, Tennessee—Suzanne L. Shaw, Greensburg, Pennsylvania; to join the Croftcheck Family Control Group, a group acting in concert, to acquire voting shares of Townsend Financial Corporation and thereby indirectly acquire voting shares of Farmers Bank, Parsons, Tennessee. Permitted: October 4, 2024 Financial Holding Companies Chicago Brogan Bankshares, Inc., Kaukauna, Wisconsin—election to become a financial holding company. Effective: October 4, 2024 Regulations and Policies Secretary Regulation M (Consumer Leasing)—final interagency amendments to establish dollar thresholds that will apply for determining exempt consumer leases in 2025.* Approved: September 25, 2024 *Addition Regulation Z (Truth in Lending)—final interagency determination of the 2025 threshold for exempting certain loans from special appraisal requirements for higher-priced mortgages.* Approved: September 26, 2024 *Addition Regulation Z (Truth in Lending)—final interagency amendments to establish dollar thresholds that will apply for determining exempt consumer credit transactions in 2025.* Approved: September 25, 2024 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 *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 5, 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 5, 2024 Filer Filing Type Filing Proposal End of Comment Period BANCO BTG PACTUAL SA * 3A1 Election (Domestic) Election (Foreign) * Acquisition Other BHC Filing Banco BTG Pactual S.A., BTG Pactual Newspaper: G7 Holding S.A., BTG Pactual Holding Federal Register: Financeira Ltda., and BTG Pactual Holding Internacional S.A., all of Rio de Janeiro, Brazil, BTG Pactual Holding S.A., São Paulo, Brazil, BTG Pactual UK Holdco Limited, London, United Kingdom, and BTG Pactual Bancorp, LLC, New York, New York, to become bank holding companies by acquiring M.Y. Safra Bank, FSB, New York, New York 11/04/2024 Not available GRASSHOPPER BANCORP, INC. * Thrift Going Concern Grasshopper Bancorp, Inc.; through its Newspaper: subsidiary bank, Grasshopper Bank, Federal Register: National Association, both of New York, New York, to acquire Auto Club Trust, FSB, Dearborn, Michigan, and thereby engage in operating a savings association pursuant to Section 225.28(b)(4)(ii) of Regulation Y. Not available Not available MANUFACTURERS * Branch (Domestic) Manufacturers and Traders Trust Newspaper: AND TRADERS Company, Buffalo, New York, propose Federal Register: TRUST COMPANY to open a branch office located at 850 Park Shore Drive, Naples, Florida. * Subject to the provisions of the Community Reinvestment Act Not available Not applicable District: 2 Federal Reserve Bank of New York The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 3664588 FIELDPOINT PRIV B&TC, GREENWICH, CONNECTICUT 08/18/2024 01/16/2024 NI Int Small Bank 722816 SOLVAY BK, SOLVAY, NEW YORK 02/04/2024 06/26/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 3 Federal Reserve Bank of Philadelphia Filings received during the week ending October 5, 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 5, 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 5, 2024 Filer Filing Type Filing Proposal UNITED BANK * Branch (Domestic) United Bank, Fairfax, Virginia, to Newspaper: establish a branch facility to be located Federal Register: at 4307 Williamsburg Blvd, Richmond, VA 23231. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 10/09/2024 Not applicable District: 5 Federal Reserve Bank of Richmond The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 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 5, 2024 Filer Filing Type Filing Proposal End of Comment Period BUILTWELL BANCORP, INC * 3A5 * 3A3 Builtwell Bancorp, Inc., Chattanooga, Tennessee, to merge with Bradley County Financial Corp., and thereby indirectly acquire Bank of Cleveland, both of Cleveland, Tennessee. Newspaper: Federal Register: 11/03/2024 11/08/2024 Waterfall Bancorp, Inc. * 3A1 Waterfall Bancorp, Inc., Clearwater, Florida, to become a bank holding company by acquiring outstanding shares of Waterfall Bank, Clearwater, Florida. Newspaper: Federal Register: 11/02/2024 11/08/2024 * Subject to the provisions of the Community Reinvestment Act 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 5, 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 a Newspaper: public welfare investment, pursuant to Federal Register: section 208.22(b)(1)(iv)(A) of Regulation H. Not applicable Not applicable ARBOR BANCORP, Change in Bank INC. Control Notice by William C. Martin 2024 Newspaper: Grantor Retained Annuity Trust, with Federal Register: William C. Martin as trustee, both of Ann Arbor, Michigan, to join the Martin Family Control Group and acquire voting shares of Arbor Bancorp, Inc. and indirectly acquire voting shares of Bank of Ann Arbor, both of Ann Arbor, Michigan. 06/22/2024 06/21/2024 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. Not available Not available BANK OF BRODHEAD, THE End of Comment Period * Branch (Domestic) Bank of Broadhead, Brodhead, Newspaper: Wisconsin to establish a branch located Federal Register: at 144 Merchant Row, Milton, Wisconsin. * Subject to the provisions of the Community Reinvestment Act 10/13/2024 Not applicable District: 7 Federal Reserve Bank of Chicago Filings received during the week ending October 5, 2024 Filer Filing Type DEVON BANCORP, Change in Bank INC. Control 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. * Subject to the provisions of the Community Reinvestment Act Not available 10/17/2024 District: 7 Federal Reserve Bank of Chicago Filings received during the week ending October 5, 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 5, 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 NORTHERN TRUST Public Welfare COMPANY, THE Investment The Northern Trust Company, Chicago, Newspaper: Illinois, requests prior approval to make Federal Register: a Public Welfare Investment, pursuant to Regulation H (12 C.F.R. §208.22(d)). Not applicable Not applicable STERLING BANCORP, INC. 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 Change in Bank Control * 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 5, 2024 Filer Filing Type Filing Proposal End of Comment Period CHAMBERS BANK * Branch (Domestic) Chambers Bank, Danville, Arkansas, to Newspaper: establish a branch facility to be located Federal Register: at 3131 Turtle Creek Boulevard, Suite 920, Dallas, Texas 10/14/2024 Not applicable Oak Tree Financial Corporation, Inc. * 3A1 11/05/2024 11/12/2024 Oak Tree Financial Corporation, Inc., Newspaper: Rogers, Arkansas, to become a bank Federal Register: holding company by acquiring Riverside Bank, Sparkman, Arkansas. * Subject to the provisions of the Community Reinvestment Act 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 5, 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 Not available CLAYTON BANKSHARES, INC. Change in Bank Control Dennis J. Vogel, La Crosse, Wisconsin, Newspaper: to join the Bosshard Family Group, a Federal Register: group acting in concert; to retain voting shares of Clayton Bankshares, Inc., and thereby indirectly retain voting shares of Citizens State Bank of La Crosse, both of La Crosse, Wisconsin. Not available 09/23/2024 STEARNS FINANCIAL SERVICES, INC. Change in Bank Control Barrett Doss, Los Angeles, California; to Newspaper: join the Skalicky Family Group, a group Federal Register: acting in concert, to acquire voting shares of Stearns Financial Services, Inc., 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 10/11/2024 * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 9 Federal Reserve Bank of Minneapolis Filings received during the week ending October 5, 2024 Filer Filing Type STEARNS * 3A3 FINANCIAL SERVICES, INC. EMPLOYEE STOCK OWNERSHIP PLAN Filing Proposal End of Comment Period 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. * Subject to the provisions of the Community Reinvestment Act Not available Not available District: 9 Federal Reserve Bank of Minneapolis The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 613156 FIRST MT BK, MISSOULA, MONTANA 06/23/2024 09/11/2023 S Int Small Bank 823656 FIRST ST BK SOUTHWEST, PIPESTONE, MINNESOTA 03/18/2024 08/14/2023 O Int Small Bank 685676 OPPORTUNITY BK OF MT, HELENA, MONTANA 04/29/2024 10/24/2022 O Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 5, 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 5, 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 5, 2024 Filer Filing Type Filing Proposal FIRST FIDELITY BANCORP, INC. Change in Bank Control Theodore Elam, Oklahoma City, Newspaper: Oklahoma; to acquire voting shares of Federal Register: First Fidelity Bancorp, Inc., and thereby indirectly acquire voting shares of First Fidelity Bank, both of Oklahoma City, Oklahoma, in his capacity as co-trustee of the Caroline L. Cameron 2005 GSTE Trust, the Liza A. Cameron 2005 GSTE Trust, the Claire J. Cameron 2005 GSTE Trust, and the Camellia Cameron 2005 GSTE Trust, all of Oklahoma City, Oklahoma, (collectively, the "Separated Lynda L. Cameron Family Trusts"). In addition, the William Cameron Legacy Trust, Oklahoma City, Oklahoma, Brian Raftery, Westfield, New Jersey, as trustee, and the Separated Lynda L. Cameron Family Trusts; to join the Cameron Family Group, a group acting in concert, to acquire voting shares of First Fidelity Bancorp, Inc., and thereby indirectly acquire voting shares of First Fidelity Bank, Theodore Elam was previously permitted by the Federal Reserve System to become a member of the Cameron Family Group. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available Not available District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 5, 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 5, 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 5, 2024 Filer Filing Type Filing Proposal 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. * 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 5, 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 5, 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 5, 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 5, 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 5, 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 5, 2024 Filer Filing Type Filing Proposal SPEND LIFE WISELY COMPANY, INC. Change in Bank Control Chat Carleton York, Fort Worth, Texas, Newspaper: as Business Advisor and Direction Federal Register: Advisor; David Keese, McKinney, Texas, as Direction Advisor; Greg Massey, Durant, Oklahoma, as Special Power Holder; and Argent Trust Company of Nashville, Tennessee, as trustee; for all of the following trusts: (i) John L. Massey 2003 Exempt Family Trust FBO Abigail R. Massey, the John L. Massey 2003 Exempt Family Trust FBO Boaz A. Massey, the John L. Massey 2003 Exempt Family Trust FBO Charity A. Massey, the John L. Massey 2003 Exempt Family Trust FBO Dara R. Massey, the John L. Massey 2003 Exempt Family Trust FBO Elizabeth J. Massey, the John L. Massey 2003 Exempt Family Trust FBO Faith S. Massey, the John L. Massey 2003 Exempt Family Trust FBO Gabriel J. Massey, the John L. Massey 2003 Exempt Family Trust FBO Isaiah B. Massey, the John L. Massey 2003 Exempt Family Trust FBO John M. Massey, Jr., and the John L. Massey 2003 Exempt Family Trust FBO Micah N. B. Massey, (ii) the Gregory L Massey 2003 Exempt Trust, and (iii) the Gregory L. and Laura K. Massey 2012 Family Trust FBO Blake L. Massey, the Gregory L. and Laura K. Massey 2012 Family Trust FBO Brooke E. Massey and the Gregory L. and Laura K. Massey 2012 Family Trust FBO Gregory Corbin Massey, trusts all of Nashville, Tennessee; to acquire voting shares of Spend Life Wisely Company, Inc. (the "Company"), and thereby indirectly acquire First United Bank and Trust Company (the “Bank”), both of Durant, Oklahoma. Greg Massey was * Subject to the provisions of the Community Reinvestment Act End of Comment Period 10/29/2024 Not available District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending October 5, 2024 Filer Filing Type Filing Proposal previously permitted by the Federal Reserve System to acquire control of voting shares of Company. In addition, Abigail R. Massey, North Pole, Arkansas, as special power holder of the John L. Massey 2003 Exempt Family Trust FBO Abigail R. Massey; Boaz A. Massey, Shawnee, Oklahoma, as special power holder of the John L. Massey 2003 Exempt Family Trust FBO Boaz A. Massey; Charity A. Massey, Shawnee, Oklahoma, as special power holder of the John L. Massey 2003 Exempt Family Trust FBO Charity A. Massey; Dara R. Massey, Shawnee, Oklahoma, as special power holder of the John L. Massey 2003 Exempt Family Trust FBO Dara R. Massey; Elizabeth J. Massey, Celina, Texas, as special power holder of the John L. Massey 2003 Exempt Family Trust FBO Elizabeth J. Massey; Faith S. Massey, Roseburg, Oregon, as special power holder of the John L. Massey 2003 Exempt Family Trust FBO Faith S. Massey; Gabriel J. Massey, Shawnee, Oklahoma, as special power holder of the John L. Massey 2003 Exempt Family Trust FBO Gabriel J. Massey; Isaiah B. Massey, Shawnee, Oklahoma, as special power holder of the John L. Massey 2003 Exempt Family Trust FBO Isaiah B. Massey; John M. Massey, Jr., Shawnee, Oklahoma, as special power holder of the John L. Massey 2003 Exempt Family Trust FBO John M. Massey, Jr.; and Michah N.B. Massey, Shawnee, Oklahoma, as special power holder of the John L. Massey 2003 Exempt Family Trust FBO Micah N. B. Massey; to become members of the Massey Family Group, a group * 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 5, 2024 Filer Filing Type Filing Proposal acting in concert, to acquire voting shares in the Company, and thereby indirectly acquire voting shares of the Bank. Finally, Blake L. Massey, Southaven, Mississippi, individually and as special power holder of the Gregory L and Laura K Massey 2012 Family Trust FBO Blake Massey; and Brooke Massey Chilton, Melissa, Texas, individually and as special power holder of the Gregory L and Laura K Massey 2012 Family Trust FBO Brooke Massey; to become members of the Massey Family Group, a group acting in concert, to retain voting shares in the Company, and thereby indirectly retain voting shares of the Bank. * 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 5, 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 5, 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: * Subject to the provisions of the Community Reinvestment Act Not available 11/06/2024 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 5, 2024 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 12 Federal Reserve Bank of San Francisco The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 3487947 UNIBANK, LYNNWOOD, WASHINGTON 07/05/2024 07/31/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter
@FedFRASER