Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received
District 11: Federal Reserve Bank of Dallas PDF
Filings received during the week ending November 7, 2026
| Filer | Filing Type | Filing Proposal | End of Comment Period | |
|---|---|---|---|---|
| Newspaper | Federal Register | |||
| FIRST COMMERCIAL FINANCIAL CORP | Change in Bank Control | Notice by Elizabeth Ricks, San Antonio, Texas, individually and as proposed Co-Trustee of the First Commercial Financial Corporation Employee Stock Ownership Trust that is associated with the First Commercial Financial Corporation Employee Stock Ownership Plan, both of Seguin, Texas, to acquire 10 percent or more of the shares and thereby control of First Commercial Financial Corporation, which controls First Commercial Bank, N.A., both of Seguin, Texas; and join James Long, New Braunfels, Texas, a Co-Trustee of the First Commercial Financial Corporation Employee Stock Ownership Trust, as a group acting in concert. | Not available | 11/23/2026 |
| FROST BANK | * Branch (Domestic) | Frost Bank, San Antonio, Texas, to establish a branch at 1901 E. Palm Valley Blvd, Suite 200, Round Rock TX 78664 | 11/14/2026 | Not applicable |
| PLAINS ACQUISITION CORPORATION | * 3A5 | Plains Acquisition Corporation, Humble, Texas, to acquire Austin Colony, Inc., and thereby indirectly acquire First National Bank of Lake Jackson, both of Lake Jackson, Texas. | Not available | 11/27/2026 |
| WESTSTAR BANK | * 18C | WestStar Bank, El Paso, Texas, to merge Southwest Capital Bank, Albuquerque, New Mexico, with and into WestStar Bank, and thereby establish branches at the locations of Southwest Capital Bank's main office and branches. | Not available | 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 |
|---|---|---|---|---|---|
| AMERICAN ST BK, ARP, TEXAS | 262358 | 05/08/2026 | 01/12/2026 | S | Int Small Bank |
| BENCHMARK BK, PLANO, TEXAS | 980960 | 11/30/2025 | 08/04/2025 | S | Int Small Bank |
| PEGASUS BK, DALLAS, TEXAS | 3465392 | 05/02/2025 | 11/18/2024 | S | Int Small Bank |
| WORTHINGTON BK, ARLINGTON, TEXAS | 3150205 | 08/02/2025 | 04/07/2025 | S | Int Small Bank |
CRA Examinations scheduled for Quarter of
| Institution | Location | Quarter |
|---|---|---|
| NONE | ||