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No. 36 Week ending September 7, 2024 Board Actions Enforcement First Interstate Bank, Billings, Montana—consent order of assessment of a civil money penalty pursuant to the National Flood Insurance Act. Announced: September 4, 2024 United Texas Bank, Dallas, Texas—issuance of a consent cease-and-desist order. Announced: September 4, 2024 Other Actions Discount Window and Intraday Credit—request for information and comment on questions related to the operational aspects of Federal Reserve Bank extensions of discount window and intraday credit. Approved: September 3, 2024 Supervision and Regulation Stress Tests—(1) modification of the stress capital buffer requirement for The Goldman Sachs Group, Inc., in response to its request for reconsideration, and (2) recommendation to staff to explore potential revisions and refinements to inform continuing improvements in the stress testing methodology.* Approved: August 22, 2024 *Addition FEDERAL RESERVE RELEASE H.2 Actions Under Delegated Authority Bank Branches, Domestic Secretary Bank of Buffalo, Buffalo, Kentucky—to establish a branch at 2798 North Jackson Highway, Canmer, Kentucky. Approved: September 3, 2024 St. Louis Armor Bank, Forrest City, Arkansas—to establish a branch at 16107 Chenal Parkway, Little Rock, Arkansas. Approved: September 4, 2024 Bank Holding Companies Chicago AmeriNational Community Services, LLC, Albert Lea, Minnesota—to become a bank holding company by acquiring all of the outstanding voting shares of Northwest Bancorporation of Illinois, Inc., and thereby indirectly acquiring First Bank and Trust Company of Illinois, both of Palatine, Illinois, and to engage in certain loan servicing, draw processing, loss mitigation, asset management, underwriting, and compliance monitoring activities pursuant to section 225.28 of Regulation Y, including sections 225.28(b)(1), (b)(2)(vi), and (b)(12)(ii).* Approved: August 29, 2024 *Addition Minneapolis Bank Forward Employee Stock Ownership Plan and Trust, Fargo, North Dakota—to acquire voting shares of Security State Bank Holding Company and thereby indirectly acquire voting shares of Bank Forward, both of Fargo, North Dakota. Approved: September 4, 2024 Change in Bank Control Kansas City The Farmers Realty Company, Brush, Colorado—Richard W. Robirds, Sterling, Colorado, as co-trustee with Farmers State Bank of Brush, Brush, Colorado, of the Testamentary Trust created by the Last Will and Testament of Alonzo Petteys, Deceased, Dated 8/21/1964, and the Robert A. Petteys Trust, to acquire voting shares of The Farmers Realty Company and thereby indirectly acquire shares of Equitable Savings and Loan Association, Sterling, Colorado. In addition, Judith A. Gunnon, Rochester, Minnesota, as trustee of the Judith A. Gunnon Trust; Carol J. Tomasini, Kittredge, Colorado; Julia A. Casto, Boxford, Massachusetts; Christian R. Gunnon, Maple Grove, Minnesota; John A. Gunnon, Rochester, Minnesota; Cynthia C. Sprenger, Auburn, Washington; Leslie Petteys, Huntington, West Virginia, as trustee of the Petteys Family Trust FBO Leslie Petteys, and Tom Petteys, Sheridan, Colorado, as trustee of the Petteys Family Trust FBO Tom Petteys, to retain shares of The Farmers Realty Company and join the Petteys Family Control Group. BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 Permitted: September 6, 2024 First Pioneer Bank Corp., Brush, Colorado—Richard Robirds, Sterling, Colorado, as co-trustee with Farmers State Bank of Brush, Brush, Colorado, of the Testamentary Trust created by the Last Will and Testament of Alonzo Petteys, Deceased, Dated 8/21/1964, the Robert A. Petteys Trust, and the Alonzo & Anna Petteys Children's Trust FBO Robert A. Petteys, to acquire voting shares of First Pioneer Bank Corp. and thereby indirectly acquire voting shares of The Farmers State Bank of Brush, Brush, Colorado, and First Pioneer National Bank, Wray, Colorado. In addition, Judith A. Gunnon, Rochester, Minnesota, as trustee of the Judith A. Gunnon Trust; Carol J. Tomasini, Kittredge, Colorado; A. Donald Tomasini, Kittredge, Colorado; Julia A. Casto, Boxford, Massachusetts; Christian R. Gunnon, Maple Grove, Minnesota; John A. Gunnon, Rochester, Minnesota; Cynthia C. Sprenger, Auburn, Washington; Leslie Petteys, Huntington, West Virginia, as trustee of the Petteys Family Trust FBO of Leslie Petteys; and Tom Petteys, Sheridan, Colorado, as trustee of the Petteys Family Trust FBO Tom Petteys, to retain voting shares of First Pioneer Bank Corp. and join the Petteys Family Control Group. Permitted: September 6, 2024 PBT Bancshares, Inc., McPherson, Kansas—Andrew Hoffman Legacy Trust dated January 3, 2022, Peoples Bank and Trust Company as trustee, Wise & Reber L.C. as trust protector, Andrew Hoffman as voting beneficiary, all of McPherson, Kansas; Caleb Houghton Legacy Trust dated January 3, 2022, Peoples Bank and Trust Company as trustee, Wise & Reber L.C. as trust protector, Caleb Houghton as voting beneficiary, all of McPherson, Kansas; Hannah Nesbitt Legacy Trust dated January 3, 2022, Peoples Bank and Trust Company as trustee, Wise & Reber L.C. as trust protector, all of McPherson, Kansas, and Hannah Nesbitt, Andover, Kansas, as voting beneficiary; and Paige Moore Legacy Trust dated January 3, 2022, Peoples Bank and Trust Company as trustee, Wise & Reber L.C. as trust protector, all of McPherson, Kansas, and Paige Moore, Wichita, Kansas, as voting beneficiary; to join the Houghton Family Group, a group acting in concert, to retain the voting shares of PBT Bancshares, Inc., and thereby indirectly retain voting shares of Peoples Bank and Trust Company. Permitted: September 6, 2024 Sundance Bankshares, Inc., Sundance, Wyoming—Schloredt Family Revocable Trust and Jett Schloredt, as co-trustee with Dolly Schloredt, all of Sundance, Wyoming, to become members of the Richard Durfee Family Control Group, a group acting in concert, to acquire voting shares of Sundance Bankshares, Inc., and thereby indirectly acquire voting shares of Sundance State Bank, Sundance, Wyoming. Dolly Schloredt was previously permitted by the Federal Reserve System to control the voting shares of Sundance Bankshares, Inc., and Sundance State Bank. Permitted: September 4, 2024 Minneapolis BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov FEDERAL RESERVE RELEASE H.2 215 Holding Co., Minneapolis, Minnesota—Colleen Short Lucke, Edina, Minnesota; Kevin Short, Hudson, Wisconsin; and Elizabeth Short, University Heights, Ohio; each individually and as trustee of one or more Short family trusts; to retain voting shares of 215 Holding Co. (Company) and thereby indirectly retain voting shares of Liberty Financial Services, Inc., and Liberty National Bank, both of Sioux City, Iowa; First Farmers & Merchants National Bank, Luverne, Minnesota; First Farmers & Merchants National Bank, Fairmont, Minnesota; First Farmers & Merchants State Bank, Brownsdale, Minnesota; First Farmers & Merchants State Bank of Grand Meadow, Grand Meadow, Minnesota; and First Farmers & Merchants Bank, Cannon Falls, Minnesota (together, the Subsidiaries). Additionally, the Robert M. Short Revocable Trust, Minneapolis, Minnesota (trustees Brian Short, St. Paul, Minnesota; Marianne Short, St. Paul, Minnesota; and Colleen Short Lucke) to join the Short family shareholder group and to retain voting shares of Company and thereby indirectly retain voting shares of the Subsidiaries. Permitted: September 6, 2024 International Operations Secretary Huntington National Bank, Columbus, Ohio—notice under 12 CFR 211.9(f) for Huntington Bank International, Inc., Columbus, Ohio, to make an investment in Huntington Commercial Finance New Zealand, LTD, Auckland, New Zealand. Reviewed and no objection: September 6, 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 7, 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 7, 2024 Filer Filing Type Filing Proposal BANK OF NOVA SCOTIA, THE * 3A3 The Bank of Nova Scotia, Toronto, Newspaper: Canada; to acquire up to 14.99 percent Federal Register: of the voting securities of KeyCorp, and thereby indirectly acquire voting securities of KeyBank National Association, both of Cleveland, Ohio. 10/05/2024 10/15/2024 MANUFACTURERS Public Welfare AND TRADERS Investment TRUST COMPANY Newspaper: Manufacturers and Traders Trust Federal Register: Company, Buffalo, New York, to make a public welfare investment, pursuant to Section 208.22(d) of Regulation H. Not applicable Not applicable MANUFACTURERS Public Welfare AND TRADERS Investment TRUST COMPANY Manufacturers and Traders Trust Newspaper: Company, Buffalo, New York, to make a Federal Register: public welfare investment, pursuant to Section 208.22(d) of Regulation H. Not applicable Not applicable * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 2 Federal Reserve Bank of New York The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 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 7, 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 7, 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 7, 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 7, 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 7, 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. * 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 7, 2024 Filer Filing Type Filing Proposal HARRELL BANCSHARES, INC. Change in Bank Control Notice by Steven Harrell, trustee of the Newspaper: Steven D. Harrell Revocable Trust, Federal Register: Springdale, Missouri; Jonathan W. Harrell, individually and as trustee of the Carter Dunn Harrell Share Trust, Samantha Ginger Harrell Share Trust, Ryan Elise Harrell Share Trust, Tyler Alan Harrell Share Trust, and JH Revocable Trust, Bennett S. Harrell, as trustee of the Bennett S. Harrell Revocable Trust and custodian of certain minors, Ginger Fischer, and Julie Harrell, all of Rogers, Arkansas; Shannon Harrell Beard, Paris, Texas; and Maxwell Hunter Harrell, Lowell, Arkansas, to establish the Harrell Family Control Group, a group acting in concert, to retain voting shares of Harrell Bancshares, Inc., Camden, Arkansas, and thereby indirectly retain voting shares of Generations Bank, Rogers, Arkansas * Subject to the provisions of the Community Reinvestment Act End of Comment Period 09/21/2024 09/25/2024 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 7, 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 CENTRAL FINANCIAL, INC. Change in Bank Control Bruns Family Trust, Shirley Bruns, as Newspaper: trustee, both of Annandale, Minnesota, Federal Register: to join the Bruns Family Control Group, a group acting in concert, by retaining voting shares of Lake Central Financial, Inc., and thereby indirectly retaining voting shares of Lake Central Bank, both of Annandale, Minnesota. Not available 09/23/2024 PILLAR BANK * Branch (Domestic) Pillar Bank, Baldwin, Wisconsin, to Newspaper: establish a branch facility to be located Federal Register: at 1080 Cornwall Ave, Amery, Wisconsin, 54001. * Subject to the provisions of the Community Reinvestment Act End of Comment Period 09/18/2024 Not applicable 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 7, 2024 Filer Filing Type Filing Proposal FIRST OF MINDEN FINANCIAL CORPORATION Change in Bank Control Danielle M. Wheeler, Pine Island, Newspaper: Minnesota; Parker C. Ayres, Olathe, Federal Register: Kansas; and Madisyn L. Matthews, Lincoln, Nebraska, to acquire voting shares of First of Minden Financial Corporation, and thereby indirectly acquire voting shares of First Bank and Trust Company, all of Minden, Nebraska, and be approved as members of the Ayres Family group acting in concert. Not available 09/30/2024 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. Not available 10/01/2024 * Subject to the provisions of the Community Reinvestment Act End of Comment Period 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 7, 2024 Filer Filing Type FROST BANK * Branch (Domestic) Frost Bank, San Antonio, Texas, to Newspaper: establish a branch at 18530 W. Airport Federal Register: Blvd., Richmond, Texas. Producer Acquisition * 3A1 Corp. Filing Proposal End of Comment Period Producer Acquisition Corp., Beaumont, Newspaper: Texas, to become a bank holding Federal Register: company by acquiring Powell State Bank, Powell, Texas * Subject to the provisions of the Community Reinvestment Act 09/11/2024 Not applicable Not available Not available 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 7, 2024 Filer Filing Type Filing Proposal COMMONWEALTH * Branch (Domestic) Commonwealth Business Bank, Los BUSINESS BANK Angeles, California, to establish a new 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: Not available 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