No.

13 Week ending March 30, 2024

Board Actions

Forms
FR 2018—final Board review to extend without revision the Senior Loan Officer Opinion Survey on Bank
Lending Practices.
Approved: March 28, 2024

FR 2064—initial Board review to extend without revision the Recordkeeping Guidance Associated with
Changes in Foreign Investments Made Pursuant to Regulation K.
Approved: March 25, 2024

FR 2248—final Board review to extend without revision the Domestic Finance Company Report of
Consolidated Assets and Liabilities.
Approved: March 28, 2024

FR 28—final Board review to extend without revision the Applications for Employment with the Board of
Governors of the Federal Reserve System (FR 28a, FR 28s, FR 28i, and FR 28c).
Approved: March 28, 2024

FR 2835, FR 2835a—final Board review to extend without revision the Consumer Credit Reports.
Approved: March 28, 2024

FR 3063—final Board review to extend without revision the Government-Administered, General-Use

Prepaid Card Survey: Issuer Survey.
Approved: March 28, 2024

FR 3076—final Board review to extend without revision the Board Public Website Usability Surveys.
Approved: March 28, 2024

FR 4029—initial Board review to extend without revision the Interagency Guidance on Managing
Compliance and Reputation Risks for Reverse Mortgage Products.
Approved: March 25, 2024

FR K-2—initial Board review to extend without revision the International Applications and Prior
Notifications under Subpart B of Regulation K.
Approved: March 25, 2024
FEDERAL RESERVE RELEASE H.2

FR LL—final Board review to extend with revision the Reporting, Recordkeeping, and Disclosure
Requirements Associated with Regulation LL.
Approved: March 25, 2024

FR Y-6, FR Y-7, FR Y-10, and FR Y-10E—initial Board review to extend with revision the Structure Reporting
and Recordkeeping Requirements for Domestic and Foreign Banking Organizations.
Approved: March 25, 2024

FR YY—initial Board review to extend with revision the Reporting, Recordkeeping, and Disclosure
Requirements Associated with Regulation YY.
Approved: March 25, 2024

BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov

Actions Under Delegated Authority

Advisory Councils
Director, C&CA
Community Advisory Council—notice that the Board is accepting applications from individuals who wish to
be considered for membership on the council.
Approved: March 25, 2024

Bank Branches, Domestic

Dallas
The Bank and Trust, SSB, Del Rio, Texas—to establish a branch at 118 West Bandera Road, Boerne,
Texas.
Approved: March 27, 2024

Richmond
Coastal States Bank, Hilton Head Island, South Carolina—to establish a branch at 1029 Boundary Street,
Beaufort, South Carolina.
Approved: March 27, 2024

Secretary
SmartBank, Pigeon Forge, Tennessee—to establish a branch at 1940 East Samford Avenue, Auburn,
Alabama.
Approved: March 28, 2024

Bank Holding Companies

Chicago
Oxford Bank Corporation, Oxford, Michigan—to indirectly acquire an interest in NOX, LLC, Oxford, Michigan,
and thereby engage in the nonbanking activity of making and servicing loans, pursuant to
section 225.28(b)(1) of Regulation Y.
Approved: March 25, 2024

New York
Helios Bancorp, Inc., New York, New York—to become a bank holding company by acquiring Alpine Capital
Bank, New York, New York.
Approved: March 28, 2024

Bank Mergers
St. Louis
OakStar Bank, Springfield, Missouri—to merge with Community First Bank, Kansas City, Kansas, and First
Colorado National Bank, Paonia, Colorado, and to retain the acquired facilities as branches.
Approved: March 29, 2024

Change in Bank Control

Boston

BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov

FEDERAL RESERVE RELEASE H.2

Guaranty Bancorp, Inc., Woodsville, New Hampshire—the Walter & Carole Young Living Trust, Stephen U.
Samaha, as co-trustee, both of Littleton, New Hampshire, and Neil I. Geschwind, as co-trustee, Melville,
New York, and the Sarah W. Samaha Revocable Trust, Sarah W. Samaha, as co-trustee, both of Sugar Hill,
New Hampshire, and Stephen U. Samaha, as co-trustee; a group acting in concert, to retain voting shares
of Guaranty Bancorp, Inc., and thereby indirectly retain voting shares of Woodsville Guaranty Savings
Bank, Woodsville, New Hampshire.
Permitted: March 29, 2024

Kansas City
Ameriwest Corporation, Omaha, Nebraska—Daniel J. Murphy, Elkhorn, Nebraska, to join the Murphy
Family Control Group, a group acting in concert, to acquire voting shares of Ameriwest Corporation and
thereby indirectly acquire voting shares of First Westroads Bank, Inc., Omaha, Nebraska.
Permitted: March 25, 2024

Membership
Kansas City
Alva State Bank & Trust Company, Alva, Oklahoma—to become a member of the Federal Reserve System.
Approved: March 25, 2024

Supervision and Regulation

Director, S&R
Main Index—request by Credit Suisse Holdings (USA), Inc., for a determination regarding certain indexes
for purposes of the Board's capital rule.
Approved: March 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 March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act

 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
1008674 READING CO-OP BK, READING, 02/11/2024 07/31/2023 S Int Small Bank
MASSACHUSETTS

CRA Examinations scheduled for Quarter of

Institution Location Quarter

NONE

* Subject to the provisions of the Community Reinvestment Act

 District: 2

Federal Reserve Bank of New York

Filings received during the week ending March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act

 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 09/28/2023 12/05/2022 S Int Small Bank
SPRINGS, NEW YORK

CRA Examinations scheduled for Quarter of

Institution Location Quarter

NONE

* Subject to the provisions of the Community Reinvestment Act

 District: 3

Federal Reserve Bank of Philadelphia

Filings received during the week ending March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act

 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
NONE

CRA Examinations scheduled for Quarter of

Institution Location Quarter

NONE

* Subject to the provisions of the Community Reinvestment Act

 District: 4

Federal Reserve Bank of Cleveland

Filings received during the week ending March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act

 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
504311 GENOA BKG CO, GENOA, OHIO 04/17/2023 09/26/2022 S Int Small Bank

853112 HEARTLAND BK, WHITEHALL, 12/17/2023 04/11/2022 O Int Small Bank

OHIO

CRA Examinations scheduled for Quarter of

Institution Location Quarter

NONE

* Subject to the provisions of the Community Reinvestment Act

 District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act

 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 11/19/2023 06/05/2023 S Int Small Bank
MILLS, WEST VIRGINIA
3019982 FREEDOM BK OF VIRGINIA, 06/24/2023 10/24/2022 S Int Small Bank
FAIRFAX, VIRGINIA

CRA Examinations scheduled for Quarter of

Institution Location Quarter

NONE

* Subject to the provisions of the Community Reinvestment Act

 District: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

TENNESSEE * Branch (Domestic) Tennessee State Bank, Pigeon Forge, Newspaper: 04/05/2024
STATE BANK to establish a branch located at 575 W. Federal Register: Not applicable
Broadway, Newport, Tennessee.

VOLUNTEER * 3A5 Volunteer State Bancshares, Inc., Newspaper: Not available

STATE * 3A3 Portland, Tennessee, to merge with Federal Register: Not available
BANCSHARES, Fourth Capital Holdings, Inc., and
INC. therefore indirectly acquire Fourth
Capital Bank, both of Nashville,
Tennessee.

* Subject to the provisions of the Community Reinvestment Act

 District: 6

Federal Reserve Bank of Atlanta

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the
communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in
1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR
228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be
evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method
353238 CENTRAL ST BK, CALERA, 03/07/2024 09/25/2023 S Int Small Bank
ALABAMA
479839 TENNESSEE ST BK, PIGEON 10/29/2023 06/12/2023 S Int Small Bank
FORGE, TENNESSEE

CRA Examinations scheduled for Quarter of

Institution Location Quarter

NONE

* Subject to the provisions of the Community Reinvestment Act

 District: 7

Federal Reserve Bank of Chicago

Filings received during the week ending March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

FIRST NATIONAL Change in Bank Notice by Mamie M. Foote Trust No. 1, Newspaper: 04/21/2024
BANCSHARES, Control with Mamie M. Foote as Trustee, of Federal Register: Not available
INC. Golden Oak, Florida; Foote Shingleton
2004 Irrevocable Trust fbo Elizabeth
Shingleton Glomsrud; Foote Shingleton
2004 Irrevocable Trust fbo Jennifer
Shingleton Ewing; Foote Shingleton
2004 Irrevocable Trust, fbo Rebecca
Shingleton, each of Sanibel, Florida,
with Kenneth Foote as Trustee of each
of these trusts, of Brighton, Michigan;
The William R. Thomas Trust dated
8/26/20 with William Thomas and
Megan Furman as Trustees, both of Ann
Arbor, Michigan; and Abigail Thomas
King, of Charlotte, North Carolina, as a
group acting in concert, to join the Foote
Family Control Group to acquire voting
shares of First National Bancshares,
Inc. and thereby indirectly control First
National Bank of America, both of East
Lansing, Michigan.

GREENFIELD Change in Bank The Jim and Peggy Scott Trust, James Newspaper: Not available
BANCORPORATIO Control L. Scott and Peggy A. Scott as co- Federal Register: 03/19/2024
N, LTD. trustees, all of Fontanelle, Iowa;
together with, Brad A. Lydon and Jana
F. Lydon, both of Fontanelle, Iowa; and
Jessica C. Christensen and Joshua J.
Christensen , both of Greenfield, Iowa,
together as a group acting in concert, to
retain control of the voting share of
Greenfield Bancorporation, Ltd,
Greenfield, Iowa and thereby indirectly
control Union State Bank, Greenfield,
Iowa.

* Subject to the provisions of the Community Reinvestment Act

 District: 7

Federal Reserve Bank of Chicago

Filings received during the week ending March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

SmartBiz * 3A1 Billfloat, Inc., dba SmartBiz Loans, San Newspaper: Not available
Bancshares Francisco, California, to become a bank Federal Register: 04/12/2024
holding company through merging its
wholly-owned subsidiary, Caletta
Merger Sub, Inc., Wilmington, Delaware,
with United Community Bancshares,
Inc., Northbrook, Illinois, and thereby
indirectly acquiring control of Centrust
Bank, N.A., Northbrook, Illinois.
Following that merger, United
Community Bancshares would merge
with SmartBiz, with United Community
Bancshares surviving. United
Community Bancshares would then be
renamed SmartBiz Bancshares, Inc.,
and Centrust Bank, N.A. would be
renamed SmartBiz Bank, N.A.

TRI-COUNTY Change in Bank Castle Creek Capital Partners VI, LP, Newspaper: Not available
FINANCIAL Control San Diego, California, to acquire voting Federal Register: 02/12/2024
GROUP, INC. shares of Tri-County Financial Group,
Inc., and thereby indirectly acquire
voting shares of First State Bank, both
of Mendota, Illinois.

* Subject to the provisions of the Community Reinvestment Act

 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
643340 EASTERN MI BK, CROSWELL, 01/20/2024 07/17/2023 S Int Small Bank
MICHIGAN
3804535 GUARANTY BK, SPRINGFIELD, 03/31/2024 05/01/2023 S Int Small Bank
MISSOURI
2958972 NORTHSTAR BK, BAD AXE, 07/10/2023 02/06/2023 S Int Small Bank
MICHIGAN
247140 ONE CMNTY BK, OREGON, 04/28/2023 11/28/2022 S Int Small Bank
WISCONSIN
448040 OXFORD BK, OXFORD, MICHIGAN02/16/2024 05/15/2023 S Int Small Bank

269049 VISIONBANK OF IA, AMES, IOWA 05/21/2023 02/27/2023 S Int Small Bank
CRA Examinations scheduled for Quarter of

Institution Location Quarter

NONE

* Subject to the provisions of the Community Reinvestment Act

 District: 8

Federal Reserve Bank of St. Louis

Filings received during the week ending March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

BANK OF SALEM * 18C Bank of Salem, Salem, Arkansas, to Newspaper: 04/29/2024
* Branch (Domestic) merge with Security Bank, Stephens, Federal Register: Not applicable
Arkansas, and to retain the acquired
facility as a branch office.

* Subject to the provisions of the Community Reinvestment Act

 District: 8

Federal Reserve Bank of St. Louis

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the
communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in
1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR
228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be
evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method
879644 BANK OF ADVANCE, ADVANCE, 11/03/2023 07/24/2023 S Int Small Bank
MISSOURI
856748 CITIZENS BK, BATESVILLE, 03/30/2024 05/15/2023 S Int Small Bank
ARKANSAS
785473 FIRST SAVINGS BK, 04/24/2023 04/18/2022 S Int Small Bank
JEFFERSONVILLE, INDIANA
3804535 GUARANTY BK, SPRINGFIELD, 03/31/2024 05/01/2023 S Int Small Bank
MISSOURI
185859 LINDELL B&TC, SAINT LOUIS, 12/18/2023 09/05/2023 S Int Small Bank
MISSOURI
266945 MONTICELLO BKG CO, 01/27/2024 09/05/2023 S Int Small Bank
MONTICELLO, KENTUCKY
CRA Examinations scheduled for Quarter of
3374412 OAKSTAR BK, SPRINGFIELD, 12/19/2022 06/13/2022 S Int Small Bank
MISSOURI
Institution Location Quarter
2785646 OLD MO BK, SPRINGFIELD, 06/03/2023 03/06/2023 S Int Small Bank
NONE
MISSOURI
49241 RELYANCE BK, WHITE HALL, 09/23/2023 06/05/2023 S Int Small Bank
ARKANSAS

* Subject to the provisions of the Community Reinvestment Act

 District: 9

Federal Reserve Bank of Minneapolis

Filings received during the week ending March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

CATTAIL Change in Bank Keith Markwardt, Buffalo, Minnesota, Newspaper: Not available
BANCSHARES, Control and Daniel Spiller, Minneapolis, Federal Register: Not available
INC. Minnesota, to be added as trustees of
the Ella Elizabeth Meyerson 2008
Irrevocable GST Trust dated December
22, 2008, Atwater, Minnesota, which is a
member of the Meyerson Family Control
Group, a group acting in concert, to
acquire voting shares of Cattail
Bancshares, Inc., Atwater, Minnesota,
and thereby indirectly acquire voting
shares of Harvest Bank, Kimball,
Minnesota, and Citizens State Bank of
Waverly, Inc., Waverly, Minnesota.

* Subject to the provisions of the Community Reinvestment Act

 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
823656 FIRST ST BK SOUTHWEST, 03/18/2024 08/14/2023 O Int Small Bank
PIPESTONE, MINNESOTA

CRA Examinations scheduled for Quarter of

Institution Location Quarter

NONE

* Subject to the provisions of the Community Reinvestment Act

 District: 10

Federal Reserve Bank of Kansas City

Filings received during the week ending March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

ALVA STATE BANK Membership Alva State Bank & Trust Company, Alva, Newspaper: Not applicable
& TRUST Oklahoma, to become a member of the Federal Register: Not applicable
COMPANY Federal Reserve System.

CITIZENSADA Change in Bank Karen C. Smith, Ada, Oklahoma, to Newspaper: Not available
FINANCIAL Control retain voting shares of CitizensAda Federal Register: 04/22/2024
CORPORATION Financial Corporation, and thereby
indirectly retain voting shares of Citizens
Bank of Ada, both of Ada, Oklahoma,
and to join the Smith Family Group, a
group acting in concert.

* Subject to the provisions of the Community Reinvestment Act

 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
1836701 ENTERPRISE BK, OMAHA, 10/23/2023 08/07/2023 S Int Small Bank
NEBRASKA
285852 FIRST OPTION BK, 06/16/2023 03/06/2023 S Int Small Bank
OSAWATOMIE, KANSAS
554857 FIVE POINTS BK, GRAND ISLAND, 06/10/2023 03/13/2023 O Int Small Bank
NEBRASKA
669555 MIDWEST BK, PIERCE, 02/26/2024 11/27/2023 S Int Small Bank
NEBRASKA

CRA Examinations scheduled for Quarter of

Institution Location Quarter

NONE

* Subject to the provisions of the Community Reinvestment Act

 District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act

 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 Exam Date CRA Public Date CRA Rating Exam Method
3630323 THIRD COAST BK SSB, HUMBLE, 08/14/2022 04/25/2022 S Int Small Bank
TEXAS

CRA Examinations scheduled for Quarter of

Institution Location Quarter

NONE

* Subject to the provisions of the Community Reinvestment Act

 District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending March 30, 2024

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act

 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
1864197 OAK VALLEY CMNTY BK, 04/27/2023 01/17/2023 O Int Small Bank
OAKDALE, CALIFORNIA

CRA Examinations scheduled for Quarter of

Institution Location Quarter

NONE

* Subject to the provisions of the Community Reinvestment Act