Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received
District 5: Federal Reserve Bank of Richmond PDF
Filings received during the week ending October 3, 2026
| Filer | Filing Type | Filing Proposal | End of Comment Period | |
|---|---|---|---|---|
| Newspaper | Federal Register | |||
| BURKE AND HERBERT BANK AND TRUST COMPANY | * Branch (Domestic) | Burke & Herbert Bank & Trust Company, Alexandria, Virginia to establish a branch at 1311 Dolley Madison Blvd., McLean, Virginia 22101. | 10/15/2026 | Not applicable |
| HIGHLANDS COMMUNITY BANK | * Branch (Domestic) | Highlands Community Bank, Covington, Virginia, to establish a branch facility to be located at 1095 Old Roswell Road, Roswell, Georgia | 10/15/2026 | Not applicable |
| HOMETRUST BANK | * 18C * Branch (Domestic) | HomeTrust Bank, Asheville, North Carolina, to merge with Blue Ridge Bank, National Association, Martinsville, Virginia, and thereby establish branches at the locations of Blue Ridge Bank, National Association's main office and branches. | 10/31/2026 | Not applicable |
| JOHN MARSHALL BANK | * 18C * Branch (Domestic) Waiver | John Marshall Bank, Reston, Virginia to merge with Bank of Clarke, Berryville, Virginia, pursuant to Section 18c of the Federal Deposit Insurance Act and to establish branches pursuant to Section 9 of the Federal Reserve Act. Additionally, John Marshall Bancorp, Reston, Virginia, requests a waiver of an application pursuant to the Bank Holding Company Act with respect to its merger with Eagle Financial Services, Inc., Berryville, Virginia | 10/28/2026 | Not applicable |
| UNITED COMMUNITY BANK | * Branch (Domestic) | United Community Bank, Greenville, South Carolina, to establish a branch at 915 Rep. John Lewis Way, Nashville, Tennessee. | 10/15/2026 | Not applicable |
| UNITED COMMUNITY BANK | * Branch (Domestic) | United Community Bank, Greenville, South Carolina, to establish a branch at 3700 Dauphin Street, Mobile, Alabama. | 10/15/2026 | Not applicable |
* Subject to the provisions of the Community Reinvestment Act
Availability of CRA Public Evaluations
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.
| Institution / Location | RSSD ID | Exam Date | CRA Public Date | CRA Rating | Exam Method |
|---|---|---|---|---|---|
| BANK OF THE JAMES, LYNCHBURG, VIRGINIA | 2787770 | 11/20/2025 | 05/27/2025 | S | Int Small Bank |
| CLEAR MNT BK, BRUCETON MILLS, WEST VIRGINIA | 886624 | 07/17/2026 | 02/23/2026 | S | Int Small Bank |
| COASTAL STS BK, HILTON HEAD ISLAND, SOUTH CAROLINA | 3274709 | 04/06/2025 | 10/21/2024 | S | Int Small Bank |
| FARMERS & MERCHANTS BK, TIMBERVILLE, VIRGINIA | 713926 | 03/02/2026 | 09/22/2025 | S | Int Small Bank |
| FIRST BK, STRASBURG, VIRGINIA | 899428 | 04/04/2026 | 06/23/2025 | S | Int Small Bank |
| FIRST CAP BK, CHARLESTON, SOUTH CAROLINA | 2849463 | 11/03/2025 | 05/19/2025 | S | Int Small Bank |
| PUTNAM CTY BK, HURRICANE, WEST VIRGINIA | 417626 | 12/25/2025 | 08/04/2025 | S | Int Small Bank |
CRA Examinations scheduled for Quarter of
| Institution | Location | Quarter |
|---|---|---|
| NONE | ||