Board of Governors of the Federal Reserve System

Gulf Atlantic Bank, Key West, Florida -- to establish a branch at 105 East Baker Street, Plant City, Florida.
Approved: January 5, 2026

Frost Bank, San Antonio, Texas -- to establish a branch at 1469 West Campbell Road, Richardson, Texas.
Approved: January 5, 2026

FirstOak Bank, Independence, Kansas -- to establish a branch at 4581 Columbia Pike, Thompson's Station, Tennessee.
Approved: January 8, 2026

Bank of Hawaii, Honolulu, Hawaii -- to establish a branch at 1088 West Marine Corps Drive, Dededo, Guam.
Approved: January 8, 2026

Producers Bank and Trust, McGehee, Arkansas -- to establish a branch at 11300 Cantrell Road, Little Rock, Arkansas.
Approved: January 5, 2026

Anthem Financial Corporation, Plaquemine, Louisiana -- to become a bank holding company by acquiring Anthem Bank & Trust, Plaquemine, Louisiana.
Approved: January 7, 2026

First Mid Bancshares, Inc., Mattoon, Illinois -- to merge with Two Rivers Financial Group, Inc., and thereby indirectly acquire Two Rivers Bank & Trust, both of Burlington, Iowa.*
Approved: December 30, 2025
*Addition

Stearns Financial Services, Inc., Employee Stock Ownership Plan and Stearns Financial Services, Inc., both of St. Cloud, Minnesota -- to acquire One American Financial Corporation, Sioux Falls, South Dakota, and thereby indirectly acquire One American Bank, Centerville, South Dakota.
Withdrawn: January 6, 2026

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga Springs, New York -- to acquire additional shares of 473 Broadway Holding Corporation and of The Adirondack Trust Company, both of Saratoga Springs, New York.
Approved: January 5, 2026

United Roosevelt, MHC (MHC), Carteret, New Jersey -- to convert from mutual to stock form. As part of the conversion, MHC and United Roosevelt Bancorp, Carteret, New Jersey, an existing mid-tier stock holding company, will cease to exist, and United Roosevelt Savings Bank, Carteret, New Jersey, will become a wholly owned subsidiary of URSB Bancorp, Inc., Carteret, New Jersey, a newly formed Maryland corporation, which has applied to become a bank holding company.
Approved: January 9, 2026

ENB Financial Corp, Ephrata, Pennsylvania -- waiver of filing requirement under section 3 of the Bank Holding Company Act to acquire Cecil Bancorp, Inc., and thereby indirectly acquire Cecil Bank, both of Elkton, Maryland, in connection with the merger of Cecil Bank with and into Ephrata National Bank, Ephrata, Pennsylvania.
Granted: January 8, 2026

Partners Bancorp, Mission Viejo, California -- to become a bank holding company by acquiring Partners Bank of California, Mission Viejo, California.
Withdrawn: January 7, 2026

Arthur R. Murray, Inc., Milford, Illinois -- the Murray Family Trust, dated December 28, 2015, Citizens State Bank, as trustee, Arthur R. Murray, III, all of Milford, Illinois, and Christopher Murray, Baldwin, Illinois, with voting rights; Arthur R. Murray, III, individually and as executor of the Estate of Phyllis M. Murray, Milford, Illinois, to form the Murray Family Group, a group acting in concert, to acquire voting shares of Arthur R. Murray, Inc., and thereby indirectly acquire voting shares of Citizens State Bank of Milford, Milford, Illinois, and Dewey Bank, Dewey, Illinois.
Permitted: January 5, 2026

Southwest Missouri Bancorporation, Inc., Carthage, Missouri -- Craig Tankersley, Joplin, Missouri, individually and as a member of the Administrative Committee of the Southwest Missouri Bancorporation, Inc. Employee Stock Ownership Plan and Trust, to retain voting shares of Southwest Missouri Bancorporation, Inc., and thereby indirectly retain voting shares of Southwest Missouri Bank, Carthage, Missouri.
Permitted: January 9, 2026

Lending and Liquidity Facilities -- reports to Congress under section 13(3) of the Federal Reserve Act in response to COVID-19.
Approved: January 8, 2026

State Street Corporation and State Street Bank and Trust, both of Boston, Massachusetts -- request to treat a credit-linked-note transaction and certain substantially identical credit-linked-note transactions as synthetic securitizations under Regulation Q.
Approved: January 9, 2026