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No. 37 Week ending September 14, 2024
Board Actions
Enforcement
Fieldpoint Private Holdings, Inc., and Fieldpoint Private Bank and Trust, both of Greenwich, Connecticut—
written agreement with the Federal Reserve Bank of New York and the State of Connecticut Department
of Banking.
Announced: September 11, 2024
Forms
FR 2064—final Board review to extend without revision the Recordkeeping Requirements Associated with
Changes in Foreign Investments (Made Pursuant to Regulation K).*
Approved: July 23, 2024
*Addition
FR 3066—initial Board review to extend without revision the Federal Reserve Payments Study.*
Approved: July 23, 2024
*Addition
FR H-7—initial Board review to extend without revision the Disclosure Requirements of Subpart H of
Regulation H (Consumer Protection in Sales of Insurance).*
Approved: July 23, 2024
*Addition
FR K-2—final Board review to extend without revision the International Applications and Prior Notifications
Under Subpart B of Regulation K.*
Approved: July 23, 2024
*Addition
FR YY—final Board review to extend with revision the Reporting, Recordkeeping, and Disclosure
Requirements Associated with Regulation YY.*
Approved: July 23, 2024
*Addition
FEDERAL RESERVE RELEASE H.2
Actions Under Delegated Authority
Bank Branches, Domestic
Richmond
United Community Bank, Greenville, South Carolina—to establish a branch at 1105 Hatches Pond Lane,
Cary, North Carolina.
Approved: September 13, 2024
United Community Bank, Greenville, South Carolina—to establish a branch at 1561 Main Street, Sarasota,
Florida.
Approved: September 12, 2024
San Francisco
Commonwealth Business Bank, Los Angeles, California—to establish a branch at 1 Bridge Plaza, Fort Lee,
New Jersey.
Returned: September 11, 2024
Bank Holding Companies
St. Louis
Central Bancshares, Inc., Little Rock, Arkansas—to become a bank holding company by acquiring Central
Bank, Little Rock, Arkansas.
Approved: September 12, 2024
Change in Bank Control
Chicago
Whitney Corporation of Iowa, Atlantic, Iowa—Jason C. Nicholas Bank Trust, Jason C. Nicholas, trustee, both
of Atlantic, Iowa, to acquire voting shares of Whitney Corporation of Iowa and thereby indirectly acquire
voting shares of First Whitney Bank and Trust, Atlantic, Iowa.
Permitted: September 11, 2024
Richmond
Farmers and Merchants Bancshares, Inc., Hampstead, Maryland—Barry J. Renbaum, individually, Carol E.
Renbaum, individually, both of Reisterstown, Maryland; Bryan M. Renbaum, individually, Frederick,
Maryland, and the Renbaums, a group acting in concert, to acquire voting shares of Farmers and
Merchants Bancshares, Inc., and thereby indirectly acquire Farmers and Merchants Bank, Upperco,
Maryland.
Permitted: September 12, 2024
San Francisco
BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM
www.federalreserve.gov
FEDERAL RESERVE RELEASE H.2
Cache Valley Banking Company, Logan, Utah—Beech Tree Partners, L.P., N. George Daines, manager,
Providence, Utah; Appian Investments, LLC, Gabrielle D. Gay, manager, West Palm Beach, Florida; Linda
S. Daines, individually, New York, New York; RFD51, LLC, Linda S. Daines, manager, New York, New York;
WKA19, LLC, Linda S. Daines, manager, New York, New York; Armani57, LCC, Peter C. Daines, manager,
Logan, Utah; and Ginger60, LLC, Holly Daines, manager, Logan, Utah, to retain voting shares of Cache
Valley Banking Company and thereby indirectly retain voting shares of Cache Valley Bank, Logan, Utah,
and thereby also indirectly retain voting shares of Liberty Bank, Inc., Salt Lake City, Utah.
Permitted: September 11, 2024
Extensions of Time
Secretary
Bank-Fintech Arrangements—extension of the comment period until October 30, 2024, on the interagency
request for information and comment on bank-fintech arrangements involving banking products and
services distributed to consumers and businesses.
Approved: September 12, 2024
Other Actions
San Francisco
Jean Chalopin, Nassau, Bahamas—remove certain commitments in light of the wind-down of FBH
Corporation and Farmington State Bank.*
Granted: September 4, 2024
*Addition
Regulations and Policies
General Counsel
Bank Term Funding Program—report to Congress under section 13(3) of the Federal Reserve Act.
Approved: September 10, 2024
Lending and Liquidity Facilities—reports to Congress under section 13(3) of the Federal Reserve Act in
response to COVID-19.
Approved: September 10, 2024
Supervision and Regulation
Director, S&R
Capital One Financial Corporation, McLean, Virginia—to make certain capital distributions under the
capital plan rule.
Approved: September 11, 2024
BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM
www.federalreserve.gov
District: 1
Federal Reserve Bank of Boston
Filings received during the week ending September 14, 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 September 14, 2024
Filer
Filing Type
Filing Proposal
NONE
* Subject to the provisions of the Community Reinvestment Act
End of Comment Period
District: 2
Federal Reserve Bank of New York
The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the
communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in
1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR
228). The regulation was revised in May 1995.
The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be
evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.
A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.
Federal bank regulators use the following performance levels to rate an institution's performance under CRA:
O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available.
RSSD ID
Institution/Location
Exam Date
CRA Public Date
CRA Rating
Exam Method
645317
ADIRONDACK TC, SARATOGA
SPRINGS, NEW YORK
09/28/2023
12/05/2022
S
Int Small Bank
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 September 14, 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 September 14, 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 September 14, 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 September 14, 2024
Filer
Filing Type
FIRST VISION
BANK OF
TENNESSEE
* Branch (Domestic) First Vision Bank of Tennessee,
Tullahoma, Tennessee, to establish a
branch located at Burton Hills
Boulevard, Suite 170, Nashville,
Tennessee 372.
P B BANCSHARES, Change in Bank
INC.
Control
Filing Proposal
End of Comment Period
Newspaper:
Federal Register:
JAG 2024 Exempt Trust and JAG 2024 Newspaper:
Non-Exempt Trust, Calvin Thomas
Federal Register:
Gobbell, as trustee of both trusts, all of
Clifton, Tennessee, to become a
member of the Gobbell Family Control
Group, a group acting in concert, to
acquire shares of PB Bancshares, Inc.,
and thereby indirectly control voting
shares of Peoples Bank, both of Clifton,
Tennessee.
* Subject to the provisions of the Community Reinvestment Act
09/24/2024
Not applicable
10/02/2024
10/01/2024
District: 6
Federal Reserve Bank of Atlanta
The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the
communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in
1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR
228). The regulation was revised in May 1995.
The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be
evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.
A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.
Federal bank regulators use the following performance levels to rate an institution's performance under CRA:
O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available.
RSSD ID
Institution/Location
Exam Date
CRA Public Date
CRA Rating
Exam Method
353238
CENTRAL ST BK, CALERA,
ALABAMA
03/07/2024
09/25/2023
S
Int Small Bank
956938
PRIORITYONE BK, MAGEE,
MISSISSIPPI
04/27/2024
10/30/2023
S
Int Small Bank
479839
TENNESSEE ST BK, PIGEON
FORGE, TENNESSEE
10/29/2023
06/12/2023
S
Int Small Bank
CRA Examinations scheduled for
Institution
Quarter of
Location
NONE
* Subject to the provisions of the Community Reinvestment Act
Quarter
District: 7
Federal Reserve Bank of Chicago
Filings received during the week ending September 14, 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.
BANK IOWA
* Branch (Domestic) Bank Iowa, West Des Moines, Iowa, to Newspaper:
establish a branch located at 1919 US- Federal Register:
18, Clear Lake, Iowa.
09/20/2024
Not applicable
GLENWOOD
BANCORPORATIO
N
Change in Bank
Control
Notice by Grant Dean, Glenwood, Iowa, Newspaper:
together with the John C. Dean
Federal Register:
Grandchildren’s Trust, Grant Dean and
Larry W. Winum as co-trustees; the
Carol C. Dean Grandchildren’s Trust,
Grant Dean and Larry W. Winum as cotrustees; 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
Not available
HERKY HAWK
FINANCIAL CORP.
Change in Bank
Control
Daniel R. Kumley Revocable Trust with Newspaper:
Daniel R. Kumley as trustee, both of
Federal Register:
Mount Vernon, Iowa, and Matthew
Kumley Revocable Trust with Matthew
Kumley as trustee, both of Monticello,
Iowa to join the Audrey Savage Control
Group, a group acting in concert, to
retain voting shares of Herky Hawk
Financial Corp, and thereby indirectly
retain voting shares of Citizens State
Bank, both of Monticello, Iowa.
Not available
09/19/2024
SECURITY BANK,
S.B.
* 3A1
Security Midwest Bancorp, Inc., to
Newspaper:
become a bank holding company
Federal Register:
pursuant to Section 3(a)(1) of the BHC
Act, by acquiring Security Bank, S.B.
("Bank"), both of Springfield, Illinois, in
connection with the mutual-to-stock
conversion of Bank.
Not available
10/23/2024
* 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 September 14, 2024
Filer
Filing Type
Filing Proposal
CENTRAL TRUST
BANK, THE
* Branch (Domestic) The Central Trust Bank, Jefferson City, Newspaper:
Missouri, to establish a branch facility to Federal Register:
be located at 2 Old Williamsburg
Parkway, Wentzville, Missouri.
09/28/2024
Not applicable
FIRST HORIZON
BANK
Public Welfare
Investment
Not applicable
Not applicable
First Horizon Bank, Memphis,
Tennessee, requests prior approval to
make a public welfare investment.
* Subject to the provisions of the Community Reinvestment Act
End of Comment Period
Newspaper:
Federal Register:
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
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
185859
LINDELL B&TC, SAINT LOUIS,
MISSOURI
12/18/2023
09/05/2023
S
Int Small Bank
MONTICELLO BKG CO,
MONTICELLO, KENTUCKY
CRA Examinations scheduled for Quarter of
3374412
OAKSTAR BK, SPRINGFIELD,
MISSOURI
01/27/2024
09/05/2023
S
Int Small Bank
12/19/2022
06/13/2022
S
Int Small Bank
3120646
NONE
PATRIOT BK, MILLINGTON,
TENNESSEE
07/23/2022
02/07/2022
S
Int Small Bank
49241
RELYANCE BK, WHITE HALL,
ARKANSAS
09/23/2023
06/05/2023
S
Int Small Bank
266945
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 September 14, 2024
Filer
Filing Type
Filing Proposal
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
Not available
LAKE ELMO
BANCSHARES,
INC.
Change in Bank
Control
John Daniel Billingsley, Lake Elmo,
Newspaper:
Minnesota, to join the Raleigh Family
Federal Register:
Control Group, a group acting in
concert, to retain voting shares of Lake
Elmo Bancshares, Inc. and thereby
indirectly retain voting shares of Lake
Elmo Bank, both of Lake Elmo,
Minnesota.
10/03/2024
10/03/2024
* Subject to the provisions of the Community Reinvestment Act
End of Comment Period
District: 9
Federal Reserve Bank of Minneapolis
The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the
communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in
1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR
228). The regulation was revised in May 1995.
The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be
evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.
A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.
Federal bank regulators use the following performance levels to rate an institution's performance under CRA:
O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available.
RSSD ID
Institution/Location
Exam Date
CRA Public Date
CRA Rating
Exam Method
613156
FIRST MT BK, MISSOULA,
MONTANA
06/23/2024
09/11/2023
S
Int Small Bank
823656
FIRST ST BK SOUTHWEST,
PIPESTONE, MINNESOTA
03/18/2024
08/14/2023
O
Int Small Bank
685676
OPPORTUNITY BK OF MT,
HELENA, MONTANA
04/29/2024
10/24/2022
O
Int Small Bank
CRA Examinations scheduled for
Institution
Quarter of
Location
NONE
* Subject to the provisions of the Community Reinvestment Act
Quarter
District: 10
Federal Reserve Bank of Kansas City
Filings received during the week ending September 14, 2024
Filer
Filing Type
Filing Proposal
GARNETT
BANCSHARES,
INC.
Change in Bank
Control
Cameron J.W. Cooper, Greeley,
Newspaper:
Kansas; Carston D. Cooper, Lenexa,
Federal Register:
Kansas; Kelsey L. Cooper, Prairie
Village, Kansas; and Katelin M. Shane,
Louisburg, Kansas, to retain and acquire
additional voting shares of Garnett
Bancshares, Inc., Garnett, Kansas, and
thereby indirectly retain and acquire
additional voting shares of Patriots
Bank, Garnett, Kansas, and to join the
Cooper Family Group, a group acting in
concert.
* Subject to the provisions of the Community Reinvestment Act
End of Comment Period
Not available
10/01/2024
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
3412417
JONAH BK, CASPER, WYOMING
06/03/2024
03/18/2024
S
Int Small Bank
02/26/2024
11/27/2023
S
Int Small Bank
07/21/2024
04/29/2024
S
Int Small Bank
669555
MIDWEST BK, PIERCE,
NEBRASKA
CRA Examinations scheduled for Quarter of
955959
SECURITY ST BK, BASIN,
WYOMING
Institution
Location
NONE
* Subject to the provisions of the Community Reinvestment Act
Quarter
District: 11
Federal Reserve Bank of Dallas
Filings received during the week ending September 14, 2024
Filer
Filing Type
Filing Proposal
NONE
* Subject to the provisions of the Community Reinvestment Act
End of Comment Period
District: 11
Federal Reserve Bank of Dallas
The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the
communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in
1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR
228). The regulation was revised in May 1995.
The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be
evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.
A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.
Federal bank regulators use the following performance levels to rate an institution's performance under CRA:
O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available.
RSSD ID
Institution/Location
3630323
645465
CRA Public Date
CRA Rating
Exam Method
THIRD COAST BK SSB, HUMBLE, 08/14/2022
TEXAS
04/25/2022
S
Int Small Bank
VISTA BK, DALLAS, TEXAS
04/01/2024
O
Int Small Bank
CRA Examinations scheduled for
Institution
Exam Date
07/29/2024
Quarter of
Location
NONE
* Subject to the provisions of the Community Reinvestment Act
Quarter
District: 12
Federal Reserve Bank of San Francisco
Filings received during the week ending September 14, 2024
Filer
Filing Type
Filing Proposal
COMMONWEALTH * Branch (Domestic) Commonwealth Business Bank, Los
BUSINESS BANK
Angeles, California, to establish a
branch office at 1 Bridge Plaza, Suite
655, Fort Lee, New Jersey.
* Subject to the provisions of the Community Reinvestment Act
End of Comment Period
Newspaper:
Federal Register:
09/27/2024
Not applicable
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