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No. 39 Week ending September 28, 2024 Board Actions Forms FR 1400—initial Board review to extend with revision the Procurement Solicitation Package. Approved: September 25, 2024 FR 1401—initial Board review to extend with revision the Application Form for Membership on the Community Advisory Council. Approved: September 25, 2024 FR 2052a—initial Board review to extend without revision the Complex Institution Liquidity Monitoring Report. Approved: September 27, 2024 FR 2420—initial Board review to extend with revision the Report of Selected Money Market Rates. Approved: September 25, 2024 FR 3052—initial Board review to extend without revision the Supervisory and Regulatory Survey. Approved: September 27, 2024 FR 3075—initial Board review to extend without revision the Policy Impact Survey. Approved: September 27, 2024 FR 4001—initial Board review to extend without revision the Domestic Branch Application. Approved: September 27, 2024 FR 4029—final Board review to extend without revision the Interagency Guidance on Managing Compliance and Reputation Risks for Reverse Mortgage Products. Approved: September 25, 2024 FR Y-8—initial Board review to extend without revision the Holding Company Report of Insured Depository Institutions' Section 23A Transactions with Affiliates. Approved: September 27, 2024 FR Y-9 and FR Y-14A/Q/M—initial Board review (1) to extend with revision the Financial Statements for Holding Companies (FR Y-9) and (2) to revise without extension the Capital Assessments and Stress Testing Reports (FR Y-14A/Q/M). FEDERAL RESERVE RELEASE H.2 Approved: September 27, 2024 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Actions Under Delegated Authority Bank Branches, Domestic Chicago Iowa State Bank and Trust Company, Fairfield, Iowa—to establish a branch at 603 East Maple Street, Centerville, Iowa. Approved: September 25, 2024 Dallas Frost Bank, San Antonio, Texas—to establish a branch at 18530 West Airport Boulevard, Richmond, Texas. Approved: September 27, 2024 Bank Holding Companies Atlanta Lowndes Bancshares, Inc., Valdosta, Georgia—to merge with FMB Bancshares, Inc., and therefore indirectly acquire Farmers and Merchants Bank, both of Lakeland, Georgia. Approved: September 26, 2024 Chicago FBBT Holdings, Inc., San Francisco, California—to become a bank holding company by acquiring State Bank of Nauvoo, Nauvoo, Illinois. Withdrawn: September 27, 2024 Greenfield Bancorporation, Ltd., Greenfield, Iowa—waiver of application to acquire Exchange State Bank, Adair, Iowa, in connection with the merger of Exchange State Bank with and into Union State Bank, Greenfield, Iowa. Granted: September 25, 2024 Cleveland The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania—to engage in community development activities up to 15 percent of total consolidated capital and surplus pursuant to section 225.28(b)(12) of the Board's Regulation Y. Approved: September 27, 2024 Director, S&R First Citizens BancShares, Inc., Raleigh, North Carolina—request to redeem certain subordinated debt. Granted: September 26, 2024 Secretary North Valley Bancshares, Inc., and Northern Valley Bank, both of Zanesville, Ohio—to acquire Commodore Financial Network, Inc., and thereby indirectly acquire Commodore Bank, both of Somerset, Ohio. Approved: September 25, 2024 St. Louis BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Farmers Bancorp, Inc., Blytheville, Arkansas—waiver of application to acquire Piggott Bankstock, Inc., Piggott, Arkansas, in connection with the merger of Piggott State Bank, Piggot, Arkansas, with and into Farmers Bank and Trust Company, Blytheville, Arkansas. Granted: September 26, 2024 Bank Mergers St. Louis Farmers Bank and Trust Company, Blytheville, Arkansas—to merge with Piggott State Bank, Piggott, Arkansas, and thereby establish branches at the locations of Piggott State Bank's main office and branches. Approved: September 26, 2024 Banks, State Member Secretary Manufacturers and Traders Trust Company, Buffalo, New York—to retain certain public welfare investments.* Approved: September 20, 2024 *Addition Change in Bank Control Dallas Perryton Bancshares, Inc., Perryton, Texas—The Tim Tregellas Trust--Perryton Bancshares Trust S, Tim Tregellas, as trustee, Aledo, Texas; and The William Mac Tregellas Trust--Perryton Bancshares Trust S, William Mac Tregellas, as trustee, Perryton, Texas; to join the Tregellas Family Group, a group acting in concert, to acquire voting shares of Perryton Bancshares, Inc., and thereby indirectly acquire voting shares of The Perryton National Bank, Perryton, Texas. In addition, Chad Tregellas, Aledo, Texas; Tiffany Tregellas, Fort Worth, Texas; and William Seth Tregellas, Perryton, Texas; to join the Tregellas Family Group, to retain voting shares of Perryton Bancshares, Inc. Permitted: September 27, 2024 St. Louis Campbell Hill Bancshares, Inc., Campbell Hill, Illinois—The Edward C. Knop & Barbara B. Knop Living Trust, Edward C. Knop and Barbara B. Knop, trustees, all of Clifton, Illinois; James E. Knop, Ely, Minnesota; Mary R. Knop Patterson, Williamsburg, Virginia; and John C. Knop, Apple Valley, Minnesota; to establish the Knop 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 27, 2024 Membership Kansas City First United Bank and Trust, Durant, Oklahoma—to become a member of the Federal Reserve System. Approved: September 25, 2024 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Supervision and Regulation Director, S&R UBS Americas Holding LLC, New York, New York—to make capital distributions under the capital plan rule. Approved: September 26, 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 28, 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 28, 2024 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 2 Federal Reserve Bank of New York The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 3664588 FIELDPOINT PRIV B&TC, GREENWICH, CONNECTICUT 08/18/2024 01/16/2024 NI Int Small Bank 722816 SOLVAY BK, SOLVAY, NEW YORK 02/04/2024 06/26/2023 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 3 Federal Reserve Bank of Philadelphia Filings received during the week ending September 28, 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 28, 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 10/15/2024 Not available GENOA BANKING COMPANY, THE Premises The Genoa Banking Company, Genoa, Newspaper: Ohio requests permission to exceed its Federal Register: limit of investment in premises pursuant to Sections 208.21 of Regulation H and 24A of the Federal Reserve Act in the amount of $3,500,000. Not applicable Not applicable WESBANCO, INC. * 3A5 * 3A3 Wesbanco, Inc., Wheeling, West Newspaper: Virginia, submits an application to Federal Register: acquire Premier Financial Corporation, Defiance, Ohio, and thereby indirectly acquire Premier Bank, Youngstown, Ohio, pursuant to sections 3(a)(3) and 3(a)(5) of the Bank Holding Company Act of 1956, as amended. 10/24/2024 10/28/2024 * 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 28, 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 28, 2024 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period 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 28, 2024 Filer Filing Type Filing Proposal 1ST SOURCE BANK Premises 1st Source Bank, South Bend, Indiana, Newspaper: under Section 24A of the Federal Federal Register: Reserve Act and Section 208.21 of Regulation H, to increase its investment in bank premises in the amount of $1,205,000. Not applicable Not applicable 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 BUSEY BANK Busey Bank, Champaign, Illinois to become a member of the Federal Reserve System. Not applicable Not applicable Membership * Subject to the provisions of the Community Reinvestment Act End of Comment Period Newspaper: Federal Register: District: 7 Federal Reserve Bank of Chicago Filings received during the week ending September 28, 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 September 28, 2024 Filer Filing Type Filing Proposal FIRST BUSEY CORPORATION * 3A3 First Busey Corporation, Champaign, Newspaper: * 18C Illinois, to merge with CrossFirst Federal Register: Membership Bankshares, Inc., Leawood, Kansas, * Branch (Domestic) and thereby indirectly acquire CrossFirst Bank, Leawood, Kansas. Busey Bank, Champaign, Illinois to merge with CrossFirst Bank, Leawood, Kansas, pursuant to Section 18(c) of the Federal Deposit Insurance Act. As a result of the merger, Busey Bank will establish branches at 4707 W 135th Street, Leawood, Kansas City, 5001 Gallardia Corporate Pl, Oklahoma, City, Oklahoma, 308 NE 9th Street, Oklahoma City, Oklahoma, 7120 S Lewis Ave, Tulsa, Oklahoma, 9451 E 13th St N, Wichita, Kansas City, 2021 McKinney Ave, Ste 800, Dallas, Texas, 11440 Tomahawk Creek Parkway, Leawood, Kansas City, 3000 Internet Blvd, Suite 150, Frisco, Texas, 4622 Pennsylvania Ave, Kansas City, Missouri, 3237 E Camelback Rd, Phoenix, Arizona, 8239 Preston Rd, Dallas, Texas, 100 Throckmorton St, Ste 150, Fort Worth, Texas, 1 South Nevada Ave (Suites 100 & 105), Colorado Springs, Colorado, 22 Maple St, Clayton, New Mexico, 405 Chicosa St, Roy, New Mexico, 4582 S Ulster St Parkway Ste 150 & 110, Denver, Colorado, 7981 N Oracle Road, Tucson, Arizona Busey Bank will establish branches located at 4707 W 135th Street, Leawood, Kansas City, 5001 Gallardia Corporate Pl, Oklahoma, City, Oklahoma, 308 NE 9th Street, Oklahoma City, Oklahoma, 7120 S Lewis Ave, Tulsa, Oklahoma, 9451 E 13th St N, Wichita, Kansas City, * Subject to the provisions of the Community Reinvestment Act End of Comment Period 10/23/2024 10/31/2024 District: 7 Federal Reserve Bank of Chicago Filings received during the week ending September 28, 2024 Filer Filing Type Filing Proposal End of Comment Period 2021 McKinney Ave, Ste 800, Dallas, Texas, 11440 Tomahawk Creek Parkway, Leawood, Kansas City, 3000 Internet Blvd, Suite 150, Frisco, Texas, 4622 Pennsylvania Ave, Kansas City, Missouri, 3237 E Camelback Rd, Phoenix, Arizona, 8239 Preston Rd, Dallas, Texas, 100 Throckmorton St, Ste 150, Fort Worth, Texas, 1 South Nevada Ave (Suites 100 & 105), Colorado Springs, Colorado, 22 Maple St, Clayton, New Mexico, 405 Chicosa St, Roy, New Mexico, 4582 S Ulster St Parkway Ste 150 & 110, Denver, Colorado, 7981 N Oracle Road, Tucson, Arizona 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. * Subject to the provisions of the Community Reinvestment Act Not available 10/15/2024 District: 7 Federal Reserve Bank of Chicago Filings received during the week ending September 28, 2024 Filer Filing Type Filing Proposal 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 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 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 28, 2024 Filer Filing Type Filing Proposal CITIZENS BANCSHARES, INC. Change in Bank Control Notice by Richard H. Wolfe, Kelly R. Newspaper: Wolfe, Allison J. Wolfe, Andrew R. Federal Register: Wolfe, and the Wolfe Foundation of Edwards County, Inc., Richard H. Wolfe as director, all of Albion, Illinois, a group acting in concert, to retain voting shares of Citizens Bancshares, Inc. and thereby indirectly retain voting shares of Citizens National Bank of Albion, both of Albion, Illinois 10/31/2024 10/18/2024 FB CORPORATION Change in Bank Control Notice by Joel L. Weeks, St. Louis, Newspaper: Missouri, as trustee of the JFD Class B Federal Register: Common Trust (MJD), Creve Coeur, Missouri, the JFD Class B Common Trust (EDM), the EDM Class A Common Trust, and the EDM Class A Common Trust II, all of Jackson, Wyoming, to join the previously approved Dierberg Family Control Group by acquiring Class A and Class B voting shares of FB Corporation, and thereby indirectly acquiring voting shares of First Bank, both of Creve Coeur, Missouri. 10/21/2024 10/17/2024 MHBC INVESTMENTS LIMITED PARTNERSHIP I LLLP Notice by the Gary Canada Family Trust Newspaper: and the Bradley S. Canada 2020 Trust, Federal Register: 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, all of England, Arkansas 10/19/2024 Not available Change in Bank Control * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 8 Federal Reserve Bank of St. Louis The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 879644 BANK OF ADVANCE, ADVANCE, MISSOURI 11/03/2023 07/24/2023 S Int Small Bank 541857 CARROLL B&T, HUNTINGDON, TENNESSEE 09/27/2024 06/03/2024 S Int Small Bank 856748 CITIZENS BK, BATESVILLE, ARKANSAS 03/30/2024 05/15/2023 S Int Small Bank 137447 FNB CMNTY BK, VANDALIA, ILLINOIS 11/03/2023 07/24/2023 S Int Small Bank 3804535 GUARANTY BK, SPRINGFIELD, MISSOURI 03/31/2024 05/01/2023 S Int Small Bank LINDELL B&TC, SAINT LOUIS, MISSOURI CRA Examinations scheduled for Quarter of 266945 MONTICELLO BKG CO, MONTICELLO, KENTUCKY 12/18/2023 09/05/2023 S Int Small Bank 01/27/2024 09/05/2023 S Int Small Bank 3374412 NONE OAKSTAR BK, SPRINGFIELD, MISSOURI 12/19/2022 06/13/2022 S Int Small Bank 3120646 PATRIOT BK, MILLINGTON, TENNESSEE 07/23/2022 02/07/2022 S Int Small Bank 185859 Institution Location * Subject to the provisions of the Community Reinvestment Act Quarter District: 9 Federal Reserve Bank of Minneapolis Filings received during the week ending September 28, 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 10/11/2024 * 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 28, 2024 Filer Filing Type Filing Proposal End of Comment Period 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). Not available 10/16/2024 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. CITIZENS BANCSHARES, INC., ESOP Change in Bank Control Notice submitted by Cynthia Newspaper: Hendershot, Edmond, Oklahoma, as Federal Register: trustee of the Citizens Bancshares, Inc., Employee Stock Ownership Plan (the "ESOP"), Edmond, Oklahoma, to be appointed as a co-trustee and thereby control the ESOP. The ESOP is a registered bank holding company that controls Citizens Bancshares, Inc., parent of The Citizens Bank of Edmond, both of Edmond, Oklahoma. * Subject to the provisions of the Community Reinvestment Act Not available 10/22/2024 District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending September 28, 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 September 28, 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 September 28, 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 September 28, 2024 Filer Filing Type Filing Proposal End of Comment Period Retained Annuity Trust and the Brady Pape Gibson 2020 Irrevocable Dynasty Trust, FNBO and Ryan Gibson, cotrustees; the Matthew M Pape 2022 Grantor Retained Annuity Trust and the Matthew M Pape 2020 Irrevocable Dynasty Trust, FNBO and Kimberly Pape, co-trustees; the Elizabeth Lauritzen Family Trust fbo Matthew Pape and the Elizabeth Lauritzen Family Trust fbo Brady Gibson, FNN Trust Company, Mitchel, South Dakota and Ann Lauritzen Pape, co-trustees; three trusts each for the benefit of a minor child of Matthew Pape, FNBO, trustee, and Matthew Pape, Special Holdings Direction Advisor; and three trusts each for the benefit of a minor child of Brady Gibson, FNBO, trustee, and Brady Gibson, Special Holdings Direction Advisor; all of the aforementioned individuals, trusts, and LLCs are of Omaha, Nebraska unless otherwise specifically noted; to become members of the Lauritzen Family Group, a group acting in concert. Finally, Blair Gogel, as voting representative and trustee;to acquire voting shares of FNNI, and thereby indirectly acquire voting shares of FNBO. FIRST UNITED BANK AND TRUST COMPANY Membership First United Bank and Trust, Durant, Newspaper: Oklahoma, to become a member of the Federal Register: Federal Reserve System. * Subject to the provisions of the Community Reinvestment Act Not applicable Not applicable District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending September 28, 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 September 28, 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 September 28, 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 September 28, 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 September 28, 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 September 28, 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 September 28, 2024 Filer Filing Type Filing Proposal FIRST STATE BANK * Branch (Domestic) First State Bank, Gainesville, Texas to establish a branch at 3427 W FM 120, Suite 101, Denison, Texas 75020 Newspaper: Federal Register: 10/09/2024 Not applicable LIBERTY CAPITAL BANCSHARES. INC. * 3A3 Newspaper: Federal Register: Not available Not available Liberty Capital Bancshares, Inc., Addison, Texas, to acquire Southwestern Bancorp, Inc., Boerne, Texas, and thereby indirectly acquire Texas Heritage Bank, both of Boerne, Texas. * 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 28, 2024 Filer Filing Type Filing Proposal FARMERS AND MERCHANTS BANK OF LONG BEACH Public Welfare Investment Farmers and Merchants Bank of Long Newspaper: Beach, Long Beach, California, to make Federal Register: a public welfare investment of $2.0 million in Clearinghouse Community Development Financial Institution. * 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