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No. 38 Week ending September 21, 2024 Board Actions Enforcement Community Bankshares, Inc., LaGrange, Georgia—written agreement dated September 16, 2009, terminated September 11, 2024. Announced: September 19, 2024 FEDERAL RESERVE RELEASE H.2 Actions Under Delegated Authority Bank Holding Companies Dallas Integrity Bancorp, Inc., Houston, Texas—to become a bank holding company by acquiring Integrity Bank SSB (in organization), Houston, Texas. Approved: September 19, 2024 Kansas City Antelope Bancshares, Inc., Elgin, Nebraska—to engage in extending credit and servicing loans pursuant to section 225.28(b)(1) of Regulation Y. Approved: September 18, 2024 Banner County Ban Corporation Employee Stock Ownership Plan and Trust, Harrisburg, Nebraska—to acquire voting shares of Banner County Ban Corporation and thereby indirectly acquire additional voting shares of Banner Capital Bank, both of Harrisburg, Nebraska. Approved: September 19, 2024 Banks, State Member Atlanta Regions Bank, Birmingham, Alabama—to make a public welfare investment. Approved: September 20, 2024 Change in Bank Control New York New York Community Bancorp, Inc., Hicksville, New York—Liberty Strategic Capital (CEN) Holdings, LLC; Liberty 77 Fund L.P.; Liberty 77 Fund International L.P.; Liberty 77 Capital GenPar L.P.; Liberty 77 Capital UGP L.L.C.; Liberty 77 Capital L.P., as the investment manager of Liberty Strategic Capital (CEN) Holdings, LLC; Liberty 77 Capital Partners L.P., the general partner of Liberty 77 Capital L.P.; Liberty Capital L.L.C., the general partner of Liberty 77 Capital Partners L.P.; STM Partners LLC, which indirectly controls Liberty Strategic Capital (CEN) Holdings, LLC, and Liberty 77 Capital L.P.; The Steven T. Mnuchin Revocable Trust, Steven T. Mnuchin, as trustee, the President of STM Partners LLC, and managing partner of Liberty 77 Capital L.P., all of Washington, D.C.; The Steven Mnuchin Dynasty Trust I, Riverside, Connecticut; and The Steven Mnuchin 2007 Family Trust, Washington, Connecticut; each individually and to become members of the Liberty Control Group, a group acting in concert, to acquire voting shares of New York Community Bancorp, Inc., and thereby indirectly acquire voting shares of Flagstar Bank, National Association, Hicksville, New York. In addition, Charles Dowling, Riverside, Connecticut, as trustee of The Steven Mnuchin Dynasty Trust I, and Alan Mnuchin, Washington, Connecticut, as trustee of The Steven Mnuchin 2007 Family Trust, to acquire control of voting shares of New York Community Bancorp, Inc., as members of the Liberty Control Group. Permitted: September 20, 2024 San Francisco BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Montecito Bancorp, Santa Barbara, California—Steven C. Zola, trustee of the MBC Trust u/a/d April 1, 2017, Santa Barbara, California; to become a member of a control group comprised of the MBC Trust, Santa Barbara, California; Michelle Konoske, Santa Barbara, California; and Joshua Rabinowitz, Santa Barbara, California; as trustees of the MBC Trust, to acquire voting shares of Montecito Bancorp and thereby indirectly acquire voting shares of Montecito Bank & Trust, Santa Barbara, California. Permitted: September 19, 2024 St. Louis Campbell Hill Bancshares, Inc., Campbell Hill, Illinois—Gary D. Misselhorn Trust, Gary D. Misselhorn and Barbara A. Misselhorn as co-trustees, Gary D. Misselhorn, individually, all of Campbell Hill, Illinois; Hilary Sternberg, Redbud, Illinois; and Clint E. Misselhorn, Carterville, Illinois; to establish the Misselhorn Family Control Group, a group acting in concert, to retain voting shares of Campbell Hill Bancshares, Inc., and thereby indirectly retain voting shares of First State Bank of Campbell Hill, Campbell Hill, Illinois. Permitted: September 18, 2024 Membership Dallas Integrity Bank SSB (a de novo savings bank), Houston, Texas—to become a member of the Federal Reserve System. Approved: September 19, 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 21, 2024 Filer Filing Type Filing Proposal BRATTLEBORO SAVINGS & LOAN ASSOCIATION Public Welfare Investment Brattleboro Savings & Loan Association, Newspaper: Brattleboro, Vermont, requests prior Federal Register: approval to make a public welfare investment of $1.22 million in 47 Flat Street Limited Partnership, pursuant to Section 208.22(d) of Regulation H. Not applicable Not applicable BRATTLEBORO SAVINGS & LOAN ASSOCIATION Public Welfare Investment Brattleboro Savings & Loan Association, Newspaper: Brattleboro, Vermont, requests prior Federal Register: approval to make a public welfare investment of $469.24 thousand in 47 Flat Street Limited Partnership, 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: 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 21, 2024 Filer Filing Type MANUFACTURERS Public Welfare AND TRADERS Investment TRUST COMPANY Filing Proposal End of Comment Period 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. * Subject to the provisions of the Community Reinvestment Act Not applicable 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 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 21, 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 21, 2024 Filer Filing Type Filing Proposal CITIZENS GUARANTY FINANCIAL CORPORATION Change in Bank Control Interagency Notice of Change in Bank Newspaper: Control filed by Larry T. Clark, Danville, Federal Register: Kentucky, as successor trustee of the John M. St. Clair, Jr. Trust dated January 16, 2006, for permission to retain 100% of the shares and thereby control Citizens Guaranty Financial Corporation, Irvine, Kentucky, and indirectly control Citizens Guaranty Bank, Richmond, Kentucky * Subject to the provisions of the Community Reinvestment Act End of Comment Period 10/15/2024 Not available 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 21, 2024 Filer Filing Type Filing Proposal BANK OF AMERICA, NATIONAL ASSOCIATION Investment Bank of America, National Association, Newspaper: Charlotte, North Carolina, provides prior Federal Register: notice of its intent to invest in Bank of America Europe Designated Activity Company, Dublin, Ireland, pursuant to Section 211.9(f) of Regulation K. Varn Financial Corporation * 3A1 Varn Financial Corporation, Ehrhardt, Newspaper: South Carolina, to become a bank Federal Register: holding company through the acquisition of 100% of the voting securities of Enterprise Bank of South Carolina, Ehrhardt, South Carolina. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available 10/23/2024 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 21, 2024 Filer Filing Type Filing Proposal ANCHOR BANCORP, INC. Change in Bank Control Anchor Bank Irrevocable Trust, Coral Newspaper: Gables Florida, with Guido E. Hinojosa Federal Register: Cardoso as the sole trustee, to acquire voting shares of Anchor Bancorp Inc. and indirectly acquire voting shares of Anchor Bank, both of Palm Beach Gardens, Florida. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available Not available District: 6 Federal Reserve Bank of Atlanta The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 353238 CENTRAL ST BK, CALERA, ALABAMA 03/07/2024 09/25/2023 S Int Small Bank 956938 PRIORITYONE BK, MAGEE, MISSISSIPPI 04/27/2024 10/30/2023 S Int Small Bank 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 21, 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 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. Not available 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 * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 7 Federal Reserve Bank of Chicago Filings received during the week ending September 21, 2024 Filer Filing Type Filing Proposal 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 10/15/2024 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 OLD O'BRIEN BANC SHARES, INC. Change in Bank Control The Johnson 2024 Dynasty Trust, Newspaper: Milwaukee, Wisconsin, with Darin Federal Register: Johnson, Sutherland, Iowa, and Peter J. Wilder, Pewaukee, Wisconsin, as cotrustees and Jenny Johnson, Sutherland, Iowa as Grantor, and Jenny Johnson, Sutherland, Iowa to join the Johnson Family Control Group to acquire voting shares of Old O'Brien Banc Shares, Inc., Sutherland, Iowa. and indirectly acquire voting shares of Security State Bank, Sutherland, Iowa. Not available 10/15/2024 * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 7 Federal Reserve Bank of Chicago Filings received during the week ending September 21, 2024 Filer Filing Type Filing Proposal SCOTT BANCSHARES, INC. Change in Bank Control Gregory S. Jeffers, Urbana, Illinois; Tod Newspaper: A. Jeffers, Bethany, Illinois; Natalie A. Federal Register: Jeffers, Bethany, Illinois; Kathryn G. Jeffers, Bethany, Illinois; Joseph T. Jeffers, Bethany, Illinois; and Karen A. Jeffers, Bethany, Illinois, as members of the Jeffers Family Group, a group acting in concert, to retain 25 percent or more of shares of Scott Bancshares, Inc. and thereby indirectly control Scott State Bank, both of Bethany, Illinois. 09/30/2024 10/11/2024 STERLING BANCORP, INC. Change in Bank Control J. Thomas MacFarlane, Bloomfield, Newspaper: Michigan, as trustee of the K.I.S.S. Federal Register: Dynasty Trust No. 9 (dated December 28, 2023), Sioux Falls, South Dakota, to retain control of voting shares of Sterling Bancorp, Inc. (“Bancorp”), and thereby indirectly retain control of voting shares of Sterling Bank and Trust, FSB (“Bank”), both of Southfield, Michigan. In addition, J. Thomas MacFarlane, to become trustee of the Scott J. Seligman 1993 Long Term Irrevocable Dynasty Trust and the Scott J. Seligman 1993 Irrevocable Dynasty Trust, both of Sioux Falls, South Dakota, and acquire control of additional voting shares of Bancorp and thereby indirectly acquire control of voting shares of Bank. Not available Not available * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 7 Federal Reserve Bank of Chicago Filings received during the week ending September 21, 2024 Filer Filing Type Filing Proposal UNIVERSITY BANCORP, INC. Change in Bank Control Notice by Stephen Lange Ranzini as Newspaper: trustee of the Stephen Lange Ranzini Federal Register: Inherited IRA, Ann Arbor, Michigan; Stephen Lange Ranzini Inherited IRA, Ann Arbor, Michigan; Joseph Lange Ranzini as trustee of the Joseph Lange Ranzini IRA, Waynesboro, Virginia; Joseph Lange Ranzini IRA, Waynesboro, Virginia; Paul Lange Ranzini of Meunster, Germany; David William Ranzini of Tokyo, Japan; Gregory Paul Ranzini of Wilmington, Delaware; Holly Ann Clare of Atlanta, Georgia; Emily Elizabeth Hu of Washington, District of Columbia; Jonathan Paul Hu of Princeton, New Jersey; and Abigail Raffaela Hu of Princeton, New Jersey, to join the Ranzini Family Group, to retain control of 25 percent or more of the voting shares of University Bancorp, Inc. and thereby indirectly acquire control of University Bank, both of Ann Arbor, Michigan. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 10/08/2024 10/09/2024 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 21, 2024 Filer Filing Type Filing Proposal DECATUR COUNTY BANK * Branch (Domestic) Decatur County Bank, Decaturville, Newspaper: Tennessee, to establish a branch facility Federal Register: to be located at 7505 Capital Drive, Germantown, Tennessee. 10/18/2024 Not applicable MA BANK * Branch (Domestic) MA Bank, Macon, Missouri, to establish Newspaper: a branch facility to be located at 2022 Federal Register: North Baltimore Street, Kirksville, Missouri. 10/04/2024 Not applicable PEOPLES BANK OF ALTENBURG * Branch (Domestic) Peoples Bank of Altenburg, Altenburg, Newspaper: Missouri, to establish a branch facility to Federal Register: be located at 750 South Perryville Boulevard, Perryville, Missouri. 10/04/2024 Not applicable * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 8 Federal Reserve Bank of St. Louis The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 879644 BANK OF ADVANCE, ADVANCE, MISSOURI 11/03/2023 07/24/2023 S Int Small Bank 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 21, 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 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 Not available * 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 21, 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 21, 2024 Filer Filing Type Filing Proposal FROST BANK * Branch (Domestic) Frost Bank, San Antonio, Texas, to Newspaper: establish a branch at 19019 IH 35, Kyle, Federal Register: Texas. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 09/26/2024 Not applicable 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 21, 2024 Filer Filing Type Filing Proposal PACIFIC PREMIER BANK Public Welfare Investment Pacific Premier Bank, Irvine, California, Newspaper: to make a public welfare investment, Federal Register: pursuant to Section 208.22(d) of Regulation H. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not applicable 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