Board of Governors of the Federal Reserve System

Insbank, Nashville, Tennessee -- to establish a branch at 574 Medical Center Parkway, Murfreesboro, Tennessee.
Approved: September 29, 2025

Frost Bank, San Antonio, Texas -- to establish a branch at 3150 Broadway Boulevard, Garland, Texas.
Approved: October 2, 2025

Huron National Bancorp, Inc., Rogers City, Michigan -- to directly acquire shares of Lasco Development Corporation, Marquette, Michigan, and indirectly acquire shares of Mackinaw Credit + Compliance, Detroit, Michigan, and thereby engage in the nonbanking activities of data processing and management consulting.
Approved: September 30, 2025

United Community Bancorp, Inc., Chatham, Illinois -- to acquire Midland Bancshares, Inc., and thereby indirectly acquire Midland Community Bank, Kincaid, Illinois.
Approved: September 29, 2025

Civista Bank, Sandusky, Ohio -- to merge with The Farmers Savings Bank, Spencer, Ohio, and thereby acquire the branches of The Farmers Savings Bank.
Approved: October 2, 2025

CIBC Bank USA, Chicago, Illinois -- to make a public welfare investment.
Approved: September 30, 2025

Comerica Bank, Dallas, Texas -- to make a public welfare investment.*
Approved: September 23, 2025
*Addition

Goldman Sachs Bank USA, New York, New York -- to make a public welfare investment (two requests).*
Approved: September 25, 2025
*Addition

Clear Mountain Bank, Bruceton Mills, West Virginia -- to make a public welfare investment.*
Approved: September 25, 2025
*Addition

Bank of Hawaii, Honolulu, Hawaii -- to make a public welfare investment.*
Approved: September 22, 2025
*Addition

Cadence Bank, Tupelo, Mississippi -- to make a public welfare investment (three requests).*
Approved: September 23, 2025
*Addition

F.N.B.C. of LaGrange, Inc., La Grange, Illinois -- the Lenore M. McCarter Declaration of Trust, Lenore M. McCarter as trustee, both of Snowmass, Colorado, to retain voting shares of F.N.B.C. of LaGrange, Inc., and thereby indirectly retain voting shares of FNBC Bank and Trust, LaGrange, Illinois.
Permitted: October 1, 2025

Hometown Bancshares, Inc., Middlebourne, West Virginia -- Julie Harris, Newport, Ohio, individually and as trustee of the Hometown Bancshares Inc., 401(k) Profit Sharing Plan, Middlebourne, West Virginia, to join a group acting in concert to retain voting shares of Hometown Bancshares, Inc., and thereby indirectly retain voting shares of Union Bank, Inc., Middlebourne, West Virginia.
Permitted: September 30, 2025

Carter Bank & Trust, Martinsville, Virginia -- to become a member of the Federal Reserve System.
Approved: October 1, 2025

Hoyne Savings, MHC, Chicago, Illinois -- to convert from mutual to stock form. As part of the full conversion, Hoyne Savings, MHC, and Hoyne Financial Corporation, Chicago, Illinois, an existing mid-tier savings and loan holding company, will cease to exist and Hoyne Savings Bank, Chicago, Illinois, will become a wholly owned subsidiary of Hoyne Bancorp, Inc., Chicago, Illinois, a newly formed Delaware corporation, which has applied to become a savings and loan holding company, pursuant to section 10(e) of the Home Owners' Loan Act.
Approved: September 30, 2025