Public Information Documents

Actions taken by the Federal Reserve Bank of St. Louis under delegated authority

Bank Branches, Domestic
Bank of Kilmichael, Kilmichael, Mississippi -- to establish a branch at 112 Lafayette Street, Starkville, Mississippi.
- Approved, November 13, 2025
INSOUTH Bank, Brownsville, Tennessee -- to establish a branch at 7878 Farmington Boulevard, Germantown, Tennessee.
- Approved, October 17, 2025
OakStar Bank, Springfield, Missouri -- to establish a branch at 1351 Riverfront Loop, Grand Junction, Colorado.
- Approved, October 15, 2025
Arvest Bank, Fayetteville, Arkansas -- to establish a branch at the corner of US Highway 60 and Farm Road 103, Republic, Missouri.
- Approved, October 15, 2025
The Central Trust Bank, Jefferson City, Missouri -- to establish a branch at 4200 Mexico Road, St. Peters, Missouri.
- Approved, October 9, 2025
The Central Trust Bank, Jefferson City, Missouri -- to establish a branch at 220 West Lockwood Avenue, Webster Groves, Missouri.
- Approved, October 9, 2025
Peoples Bank & Trust Co., Troy, Missouri -- to establish a mobile branch to serve Lincoln, Pike, and [St. Charles] counties in Missouri.
- Approved, September 18, 2025
Monticello Banking Company, Monticello, Kentucky -- to establish a branch at 100 US Highway 676, Frankfort, Kentucky.
- Approved, September 5, 2025
The Central Trust Bank, Jefferson City, Missouri -- to establish a branch at 2516 West Main Street, Littleton, Colorado.
- Approved, August 14, 2025
Carroll Bank and Trust, Huntingdon, Tennessee -- to establish a branch at 79 Stonebridge Boulevard, Jackson, Tennessee.
- Approved, July 15, 2025
First Bank, Creve Coeur, Missouri -- to establish a branch at 6201 College Boulevard, Overland Park, Kansas.
- Approved, June 27, 2025
Cadence Bank, Tupelo, Mississippi -- to establish a branch at 1000 East State Highway, Southlake, Texas.
- Approved, June 11, 2025
Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 7908 State Avenue, Kansas City, Kansas.
- Approved, June 9, 2025
Generations Bank, Rogers, Arkansas -- to establish a branch at 3503 South 55th Street, Rogers, Arkansas.
- Approved, May 19, 2025
Union Bank, Mena, Arkansas -- to establish a branch at 500 West Main Street, Russellville, Arkansas.
- Approved, May 16, 2025
Cadence Bank, Tupelo, Mississippi -- to establish a branch at 2201 East Fowler Avenue, Tampa, Florida.
- Approved, April 30, 2025
Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 1702 SE 8th Street, Bentonville, Arkansas.
- Approved, April 29, 2025
First Savings Bank, Jeffersonville, Indiana -- to establish a branch at 4909 Old Vincennes Road, Floyds Knobs, Indiana.
- Approved, March 26, 2025
Cadence Bank, Tupelo, Mississippi -- to establish a branch at 3210 Market Street, Pascagoula, Mississippi, and to consolidate the loan production office located at 726 Delmas Avenue into the Market Street branch.
- Approved, March 13, 2025
The Bank of Fayette County, Piperton, Tennessee -- to establish a branch at 154 East Main Street, Adamsville, Tennessee.
- Approved, February 28, 2025
Anstaff Bank, Green Forest, Arkansas -- to retain a branch at 702 East Main Street, Green Forest, Arkansas.
- Approved, February 25, 2025
OMB Bank, Springfield, Missouri -- to establish a branch at 7500 State Line Road, Prairie Village, Kansas.
- Approved, February 20, 2025
FNB Oxford Bank, Oxford, Mississippi -- to establish a branch at 3416 West Main Street, Tupelo, Mississippi.
- Approved, January 27, 2025
Cadence Bank, Tupelo, Mississippi -- to establish a branch at the intersection of Clinton Avenue West and Heart of Huntsville Drive, Huntsville, Alabama.
- Approved, January 10, 2025
Bank Holding Companies
New Independent Bancshares, Inc., New Washington, Indiana -- waiver of application to acquire State Bank of Medora, Medora, Indiana, in connection with the merger of State Bank of Medora with and into New Washington State Bank, New Washington, Indiana.
- Granted, October 24, 2025
Reliable Community Bancshares, Inc., Perryville, Missouri -- to acquire M1 Bancshares, Inc., and thereby indirectly acquire M1 Bank, both of Clayton, Missouri. In addition, BN1 Acquisition Corp., Perryville, Missouri, an interim subsidiary, to merge with M1 Bancshares, Inc., and incident thereto become a bank holding company by acquiring M1 Bank.
- Returned, October 17, 2025
Security Bancorp of Tennessee, Inc., Halls, Tennessee -- to acquire additional voting shares of Patriot of Tennessee Corporation and thereby indirectly acquire voting shares of Patriot Bank, both of Millington, Tennessee.
- Approved, October 6, 2025
Planters Holding Company, Indianola, Mississippi -- waiver of application to merge with BSJ Bancshares, Inc., and thereby indirectly acquire Cross Keys Bank, both of Saint Joseph, Louisiana, in connection with the merger of Cross Keys Bank with and into Planters Bank & Trust, Indianola, Mississippi.
- Granted, September 17, 2025
Commerce Bancorp, Inc., Greenwood, Mississippi -- waiver of application to merge with Holmes County Capital Corporation and thereby indirectly acquire Holmes County Bank, both of Lexington, Mississippi, in connection with the merger of Holmes County Bank with and into Bank of Commerce, Greenwood, Mississippi.
- Granted, September 10, 2025
Rhineland Bancshares, Inc, Rhineland, Missouri -- to merge with Green City Bancshares, Inc., and thereby indirectly acquire Farmbank, both of Green City, Missouri.
- Approved, September 8, 2025
T & C Bancorp, Inc., Quincy, Illinois -- waiver of application to acquire Great River Bancshares, Quincy, Illinois, and The Hill-Dodge Banking Company, Warsaw, Illinois, in connection with the merger of The Hill-Dodge Banking Company with and into Town and Country Bank Midwest, Quincy, Illinois.
- Granted, September 4, 2025
Southern Illinois Bancshares, Inc., Johnston City, Illinois -- to become a bank holding company by acquiring Southern Illinois Bank, Johnston City, Illinois.
- Approved, August 27, 2025
F&M Bancshares, Inc., Trezevant, Tennessee -- to acquire through merger WestTenn Bancorp Inc. and thereby indirectly acquire The Bank of Jackson, both of Jackson, Tennessee.
- Approved, August 21, 2025
RiverBank Bancshares, Inc., Pocahontas, Arkansas -- to become a bank holding company by acquiring RiverBank, Pocahontas, Arkansas.
- Approved, August 7, 2025
Farmers Bancorp, Inc., Blytheville, Arkansas -- waiver of application to acquire First Malden Bancshares, Inc., Malden, Missouri, and simultaneously merge First Missouri State Bank of SEMO, Kennett, Missouri, with and into Farmers Bank and Trust Company, Blytheville, Arkansas.
- Granted, July 2, 2025
Farmers Bancorp, Inc., Blytheville, Arkansas -- waiver of application to acquire Poplar Bluff Bancorp, Inc., Poplar Bluff, Missouri, and simultaneously merge First Missouri State Bank, Poplar Bluff, Missouri, with and into Farmers Bank and Trust Company, Blytheville, Arkansas.
- Granted, July 2, 2025
Farmers Bancorp, Inc., Blytheville, Arkansas -- waiver of application to acquire FMS Bancorp, Inc., Cape Girardeau, Missouri, and simultaneously merge First Missouri State Bank of Cape County, Cape Girardeau, Missouri, with and into Farmers Bank and Trust Company, Blytheville, Arkansas.
- Granted, July 2, 2025
First State Bancorp, Inc. Combined Retirement Benefit Plan, Caruthersville, Missouri -- through its wholly owned subsidiary, SEMO SAG LLC, Caruthersville, Missouri, a Missouri limited liability company, seeks retroactive approval to engage de novo in extending credit and servicing loans pursuant to section 225.28(b)(1) of the Board's Regulation Y.
- Approved, June 9, 2025
BankFirst Capital Corporation, Macon, Mississippi -- waiver of application to acquire The Magnolia State Corporation, Bay Springs, Mississippi, in connection with the merger of Magnolia State Bank, Bay Springs, Mississippi, with and into BankFirst Financial Services, Macon, Mississippi.
- Granted, May 15, 2025
Griggsville Bancshares, Inc., Griggsville, Illinois -- waiver of application to acquire Scott Morgan Bancorp, Inc., and thereby indirectly acquire Bank of Bluffs, both of Bluffs, Illinois, in connection with the merger of Farmers National Bank of Griggsville, Griggsville, Illinois, with and into Bank of Bluffs.
- Granted, March 28, 2025
Old National Bancorp, Evansville, Indiana -- to acquire through merger Bremer Financial Corporation and thereby indirectly acquire Bremer Bank, National Association, both of St. Paul, Minnesota.
- Approved, March 5, 2025
Bank Mergers
Farmers Bank and Trust Company, Blytheville, Arkansas -- to merge with First Missouri State Bank of Cape County, Cape Girardeau, Missouri, and thereby establish branches at the locations of First Missouri State Bank of Cape County.
- Approved, July 2, 2025
Farmers Bank and Trust Company, Blytheville, Arkansas -- to merge with First Missouri State Bank of SEMO, Kennett, Missouri, and thereby establish branches at the locations of the main office and branches of First Missouri State Bank of SEMO.
- Approved, July 2, 2025
Farmers Bank and Trust Company, Blytheville, Arkansas -- to merge with First Missouri State Bank, Poplar Bluff, Missouri, and thereby establish a branch at the location of First Missouri State Bank.
- Approved, July 2, 2025
Cadence Bank, Tupelo, Mississippi -- to merge with First National Bank of Bellville, Bellville, Texas, and to retain the acquired facilities as branches.
- Approved, May 23, 2025
Cadence Bank, Tupelo, Mississippi -- to merge with Bank of Brenham, National Association, Brenham, Texas, and to retain the acquired facilities as branches.
- Approved, May 23, 2025
Cadence Bank, Tupelo, Mississippi -- to merge with Citizens State Bank, Buffalo, Texas, and to retain the acquired facilities as branches.
- Approved, May 23, 2025
Cadence Bank, Tupelo, Mississippi -- to merge with First National Bank of Shiner, Shiner, Texas, and to retain the acquired facilities as branches.
- Approved, May 23, 2025
Cadence Bank, Tupelo, Mississippi -- to merge with Fayetteville Bank, Fayetteville, Texas, and to retain the acquired facilities as branches.
- Approved, May 23, 2025
Cadence Bank, Tupelo, Mississippi -- to merge with Industry State Bank, Industry, Texas, and to retain the acquired facilities as branches.
- Approved, May 23, 2025
BankFirst Financial Services, Macon, Mississippi -- to merge with Magnolia State Bank, Bay Springs, Mississippi, and to retain the acquired facilities as branches.
- Approved, May 15, 2025
Cadence Bank, Tupelo, Mississippi -- to merge with First Chatham Bank, Savannah, Georgia, and to retain the acquired facilities as branches.
- Approved, March 19, 2025
Dieterich Bank, Effingham, Illinois -- to merge with Community Bank of Trenton, Trenton, Illinois, and thereby retain the acquired facilities as branches.
- Approved, February 24, 2025
Bank Premises
Diamond Bank, Murfreesboro, Arkansas -- to increase its investment in bank premises.
- Approved, September 2, 2025
Citizens Bank & Trust Company, Van Buren, Arkansas -- to increase its investment in bank premises.
- Approved, August 19, 2025
Citizens Bank & Trust Company, Van Buren, Arkansas -- to increase its investment in bank premises.
- Approved, June 4, 2025
Change In Bank Control
Independence Bancshares, Inc., Owensboro, Kentucky -- Tracy K. Reid, Prospect, Kentucky; Kevin L. Reid and Tammy Reid, both of St. Augustine, Florida; Albert R. Reid and Dorothy Reid, both of Owensboro, Kentucky; Joshua Searcy, Tony L. Searcy, and Cynthia B. Searcy, all of Calhoun, Kentucky; and Cathy R. Switzer as power of attorney for Marjorie A. Reid, and proxy for the Marjorie A. Reid Living Trust and the Charles A. Reid Family Trust, all of Lexington, Kentucky, to join the Reid Family Control Group, a group acting in concert, to retain voting shares of Independence Bancshares, Inc., and thereby indirectly retain control of Independence Bank of Kentucky, Owensboro, Kentucky.
- Permitted, November 19, 2025
Southern Illinois Bancorp, Inc., Carmi, Illinois -- Southern Illinois Bancorp, Inc. Employee Stock Ownership Plan and Trust, Carmi, Illinois (ESOP); Sherri Nicole Roser, Enfield, Illinois, individually and as trustee of ESOP; Kara Kessler, Carmi, Illinois, individually and as trustee of ESOP; and Chris Bailey, Wayne City, Illinois, individually and as trustee of ESOP, to retain voting shares of Southern Illinois Bancorp, Inc., and thereby indirectly retain voting shares of The First National Bank of Carmi, Carmi, Illinois.
- Permitted, November 12, 2025
Banterra Corp, Eldorado, Illinois -- Jason C. Knight, Miramar Beach, Florida, trustee of the EDK 2011 Family Trust, Eldorado, Illinois, to join the EDK Family Control Group, a group acting in concert, to retain voting shares of Banterra Corp and thereby indirectly retain voting shares of Banterra Bank, Marion, Illinois.
- Permitted, November 6, 2025
Cardinal Bancorp, Inc., Maplewood, Missouri -- Louis B. Eckelkamp, Jr., as trustee of the Bonnie J. Eckelkamp 2020 Irrevocable Family Trust dtd 12-31-2020, both of Washington, Missouri; Bonnie J. Eckelkamp, as trustee of the Louis B. Eckelkamp, Jr. 2020 Irrevocable Family Trust dtd 12-01-2020, both of Washington, Missouri; Louis B. Eckelkamp, III, as trustee of the Louis B. Eckelkamp, Jr. 2020 Irrevocable Family Trust dtd 12-01-2020, Michael Joseph Sinnott, Jr. Trust S, Matthew Louis Sinnott Trust S, and Elizabeth Michelle Sinnott Trust S, all of Washington, Missouri; Jeanna Eckelkamp Sinnott, as trustee of the Bonnie J. Eckelkamp 2020 Irrevocable Family Trust dtd 12-31-2020, Sarah Jane Eckelkamp Trust S, Bonnie Laurent Eckelkamp Trust S, Louis Bernard Eckelkamp IV Trust S, and Anna Christina Eckelkamp Trust S, all of Washington, Missouri; Wendy Eckelkamp Cordill, Oakbrook, Illinois, as trustee of the Wendy Eckelkamp Pace Revocable Trust dated 5-09-2014, Oakbrook, Illinois, and the William W. Eckelkamp Revocable Trust UDA 7-21-2024 -- Trust B, Marilyn A. Eckelkamp 2020 Irrevocable Family Trust, and two Minor Trusts, all of Washington, Missouri, and others to join the Eckelkamp Family Control Group, a group acting in concert, and retain voting shares of Cardinal Bancorp, Inc., and thereby indirectly retain voting shares of CNB St. Louis Bank, Maplewood, Missouri.
- Permitted, October 27, 2025
Cardinal Bancorp II, Inc., Washington, Missouri -- Louis B. Eckelkamp, Jr., as trustee of the Bonnie J. Eckelkamp 2020 Irrevocable Family Trust dtd 12-31-2020, both of Washington, Missouri; Bonnie J. Eckelkamp, as trustee of the Louis B. Eckelkamp, Jr. 2020 Irrevocable Family Trust dtd 12-012020, both of Washington, Missouri; Louis B. Eckelkamp, III, as trustee of the Louis B. Eckelkamp, Jr. 2020 Irrevocable Family Trust dtd 12-01-2020, Louis B. Eckelkamp III Revocable Living Trust UTA 6-12-1996, Michael Joseph Sinnott, Jr. Trust S, Matthew Louis Sinnott Trust S, and Elizabeth Michelle Sinnott Trust S, all of Washington, Missouri; Jeanna Eckelkamp Sinnott, individually and trustee of the Bonnie J. Eckelkamp 2020 Irrevocable Family Trust dtd 12-31-2020, Sarah Jane Eckelkamp Trust S, Bonnie Laurent Eckelkamp Trust S, Louis Bernard Eckelkamp IV Trust S, and Anna Christina Eckelkamp Trust S, all of Washington, Missouri; Marilyn A. Eckelkamp, as trustee of the Marilyn A. Eckelkamp Revocable Trust dtd 7-21-14, both of Washington, Missouri; Wendy Eckelkamp Cordill, Oakbrook, Illinois, as trustee of the Wendy Eckelkamp Pace Revocable Trust dated 5-09-2014, Oakbrook, Illinois, and the Marilyn A. Eckelkamp Revocable Trust dtd 7-21-14, the Marilyn A. Eckelkamp 2020 Irrevocable Family Trust, and two Minor Trusts, all of Washington, Missouri, and others as the Eckelkamp Family Control Group, a group acting in concert, to retain voting shares of Cardinal Bancorp II, Inc., Washington, Missouri, and thereby indirectly retain voting shares of United Bank of Union, Union, Missouri.
- Permitted, October 27, 2025
Diamond Bancorp, Inc., Washington, Missouri -- Louis B. Eckelkamp, Jr., as trustee of the Bonnie J. Eckelkamp 2020 Irrevocable Family Trust dated 12-31-2020, both of Washington, Missouri; Bonnie J. Eckelkamp, as trustee of the Louis B. Eckelkamp, Jr. 2020 Irrevocable Family Trust dated 12-1-2020, both of Washington, Missouri, and others, as the Eckelkamp Family Control Group, a group acting in concert, to retain voting shares of Diamond Bancorp, Inc., and thereby indirectly retain voting shares of Bank of Washington, Washington, Missouri.
- Permitted, October 20, 2025
Branson Bancshares, Inc., Branson, Missouri -- the Combs Family Revocable Trust Dated March 12, 2015, Kendall L. Combs and Patricia A. Combs, as trustees, all of Hollister, Missouri, to retain voting shares of Branson Bancshares, Inc., and thereby indirectly retain voting shares of Branson Bank, Branson, Missouri.
- Permitted, October 20, 2025
Farmers Bancorp, Inc. of Marion, Kentucky, Marion, Kentucky -- Farmers Bank and Trust Company 401(k) Employee Stock Ownership Plan and Trust, Marion, Kentucky, and its trustees, J. Wade Berry, Eddyville, Kentucky, and Christopher E. Cook and Sandra Stephens, both of Marion, Kentucky, a group acting in concert, to retain voting shares of Farmers Bancorp, Inc. of Marion, Kentucky, and thereby indirectly retain voting shares of Farmers Bank & Trust Company, Marion, Kentucky
- Permitted, October 6, 2025
Pontotoc Bancshares Corp., Pontotoc, Mississippi -- the Anna M. Berryhill Irrevocable Trust No. 1 FBO Robert W. McDonald III, the Anna M. Berryhill Irrevocable Trust No. 1 FBO Jon S. McDonald, and the Anna M. Berryhill Irrevocable Trust No. 1 FBO Mary Elese McDonald, all of Austin, Texas, Robert W. McDonald III, Austin, Texas, and Jon S. McDonald, Lakeway, Texas, as co-trustees of all three aforementioned trusts; Robert W. McDonald III, individually and as owner of the 2010 MFI, LLC, and McDonald Family Investment Limited, all of Austin, Texas; Jon S. McDonald, Lakeway, Texas, individually and as trustee of the McDonald Family Trust and the BAM Trust, both of Austin, Texas, and owner of APEX Clearing, Dallas, Texas; and Robin McDonald and Emily McDonald, both of Lakeway, Texas; as the McDonald Family Control Group, a group acting in concert, to retain voting shares of Pontotoc Bancshares Corp. and thereby indirectly retain voting shares of First Choice Bank, Pontotoc, Mississippi.
- Permitted, September 19, 2025
Purdy Bancshares, Inc., Monett, Missouri -- the Sharon K. Garrett Marital Trust, created under the Sharon K. Garrett Revocable Trust dated November 1, 2000, as amended, Purdy, Missouri; John H. Garrett, Southport, North Carolina, and Jeffrey S. Scott, Purdy, Missouri, as co-trustees; and the Garrett Family Bank Trust, created under the Irrevocable Trust Agreement dated March 20, 2024, Purdy, Missouri; John H. Garrett and Filip J. Garrett, Brookside, Missouri, as co-trustees; as a group acting in concert, to retain voting shares of Purdy Bancshares, Inc., and thereby indirectly retain voting shares of First State Bank of Purdy, Purdy, Missouri.
- Permitted, September 18, 2025
Community State Bancshares, Inc, Shelbina, Missouri -- the Frank & Dianna Montoya Trust dated December 13, 1996, Frank Montoya and Dianna Montoya as trustees, all of Albuquerque, New Mexico; the Amy R. Thomas Living Trust dated April 19, 2007, Amy Thomas and Mark Thomas as trustees, all of Macon, Missouri; and Brooke Foster, Macon, Missouri; to join the Ramsey Family Control Group, a group acting in concert, to retain voting shares of Community State Bancshares, Inc., and thereby indirectly retain voting shares of Community State Bank, Shelbina, Missouri.
- Permitted, August 19, 2025
Community State Bancshares, Inc, Shelbina, Missouri -- the Leslie O. Wilt Revocable Living Trust Indenture dated May, 29, 2014, Leslie Wilt, as trustee, the Kelly D. Wilt Revocable Living Trust Indenture dated May, 29, 2014, Kelly Wilt, as trustee, and Craig Wilt, all of Shelbina, Missouri, and William McGee and Kelsey McGee, both of Madison, Missouri; to join the O'Laughlin Family Control Group, a group acting in concert, to retain voting shares of Community State Bancshares, Inc., and thereby indirectly retain voting shares of Community State Bank, Shelbina, Missouri.
- Permitted, August 19, 2025
South Porte Financial Inc., Marion, Illinois -- Winston Throgmorton and Tristan Throgmorton, both of Carbondale, Illinois; and Roderick Throgmorton and Rachel Throgmorton, both of Marion, Illinois; to establish the Throgmorton Family Control Group, a group acting in concert, to retain voting shares of South Porte Financial Inc. and thereby indirectly retain voting shares of SouthernTrust Bank, Marion, Illinois.
- Permitted, July 22, 2025
Phelps County Bank Employee Stock Ownership Plan, Rolla, Missouri -- Dominic DeLuca, Peter Freiberg, and Laurie Freeman, all of St. James, Missouri; Benjamin Tipton and Jessica Beucler, both of Rolla, Missouri, as administrators of the Phelps County Bank Employee Stock Ownership Plan (ESOP), Rolla, Missouri; as a group acting in concert, to retain voting shares of ESOP and thereby indirectly retain voting shares of Phelps County Bancshares, Inc., and Phelps County Bank, both of Rolla, Missouri.
- Permitted, July 14, 2025
Citizens Bancshares of Eldon, Missouri, Inc., Eldon, Missouri -- Donnan R. Harrison III, Albany, Georgia; Peggy E. Harrison, Centennial, Colorado; Jill H. Mergelkamp, Barnett, Missouri; and Scott M. Harrison, Eldon, Missouri, individually and as trustees of the Jean Evans Harrison Trust dated September 27, 1994, Eldon, Missouri, general partner of D.R. Harrison, L.L.L.P., Barnett, Missouri, to join the Harrison Family control group, a group acting in concert, to retain voting shares of Citizens Bancshares of Eldon, Missouri, Inc., and thereby indirectly retain voting shares of Citizens Bank of Eldon, Eldon, Missouri.
- Permitted, June 26, 2025
First Bancorp of Sparta, Ltd., Sparta, Illinois -- Patricia Aitken, Sparta, Illinois, to retain voting shares of First Bancorp of Sparta, Ltd., and thereby indirectly retain voting shares of The First National Bank of Sparta, Sparta, Illinois.
- Permitted, June 23, 2025
Independence Bancshares, Inc., Owensboro, Kentucky -- Independence Bancshares, Inc. Employee Stock Ownership Plan (with 401(k) Provisions), Owensboro, Kentucky, and its trustees, Gregory Mullican and Phillip Riney, both of Owensboro, Kentucky; Tracy Reid, Prospect, Kentucky; and Tawna Wright and Josh Searcy, both of Calhoun, Kentucky, a group acting in concert, to retain voting shares of Independence Bancshares, Inc., and thereby indirectly retain voting shares of Independence Bank of Kentucky, Owensboro, Kentucky
- Permitted, June 18, 2025
Lincoln County Bancorp, Inc., Troy, Missouri -- Donald E. Thompson Residuary Trust, David W. Thompson, Donald E. Thompson, and Lee B. Thompson, as trustees, David W. Thompson and Peggy L. Thompson Trust, David W. Thompson and Peggy L. Thompson, as trustees, Donald Edward Thompson Revocable Trust, Donald E. Thompson, as trustee, Mary Lou Thompson Revocable Trust, Mary Lou Thompson, as trustee, Lee B. Thompson, individually, and Shiloh A. Werkmeister, individually, all of Troy, Missouri; and Amber DE Shafer, individually, Moscow Mills, Missouri; to establish the Thompson Family Control Group, a group acting in concert, to retain voting shares of Lincoln County Bancorp, Inc., and thereby indirectly retain voting shares of Peoples Bank & Trust Co., Troy, Missouri; Exchange Bank of Northeast Missouri, Kahoka, Missouri; New Frontier Bank, St. Charles, Missouri; and Peoples Bank of Altenburg, Altenburg, Missouri.
- Permitted, June 3, 2025
Community Financial Services, Inc. Employee Stock Ownership Plan (CFS ESOP), Benton, Kentucky -- Michael Radcliffe, Jason Jones, Kathy Seaford, all of Benton, Kentucky; Kathy Parker, Calvert City, Kentucky; and Dominic Agresta, Indianapolis, Indiana, and Shawwn Storms, Batesville, Indiana, principals of Fiduciary Trust Services, LLC, Greensburg, Indiana, as trustees of CFS ESOP, to retain voting shares of CFS ESOP and thereby indirectly retain voting shares of Community Financial Services, Inc., and Community Financial Services Bank, both of Benton, Kentucky.
- Permitted, April 29, 2025
Monticello Bancshares, Inc., Monticello, Missouri -- Mitchell Linn Phillips, San Tan Valley, Arizona, individually and as bank stock trustee of the Leland Phillips and Peggy Phillips Living Trust dated [March 22,] 2007, FBO Mitchell Linn Phillips, Hannibal, Missouri; Michelle Phillips, Lewistown, Missouri, individually and as bank stock trustee of the Leland Phillips and Peggy Phillips Living Trust dated [March 22,] 2007, FBO Michelle Phillips, Hannibal, Missouri; Melissa Phillips Pflantz, Wilmington, North Carolina, as bank stock trustee of the Leland Phillips and Peggy Phillips Living Trust dated March 22, 2007, FBO Melissa Phillips Pflantz, Hannibal, Missouri; Crystal Hawk, Hannibal, Missouri, as trust protector of each of the trusts; and HNB National Bank, Hannibal, Missouri, as successor trustee of each of the trusts, a group acting in concert, to acquire additional voting shares of Monticello Bancshares, Inc., and thereby indirectly acquire voting shares of Bank of Monticello, Monticello, Missouri.
- Permitted, April 21, 2025
Headquarters Holding Company, Ava, Illinois. -- Aaron Lee Wilson, Jennifer Renee Wilson, Kaden Lee Wilson, Kanon James Wilson, and Amy Lyn Wilson-Dallas, all of Ava, Illinois, to join the Wilson family control group, a group acting in concert, to retain voting shares of Headquarters Holding Company and thereby indirectly retain voting shares of The First National Bank of Ava, Ava, Illinois.
- Permitted, April 21, 2025
Stark Bancshares, Inc., Bolivar, Missouri -- Tony Steele, Tyler Steele, Carolyn Grimsley, Jill Grimsley, Paul Grimsley and Guy Cable, each of Bentonville, Arkansas; Philip Fletcher, Hiwasse, Arkansas; Kirby Lane, Anderson, Missouri; Tommy Coughlin, Centerton, Arkansas; John Kallenbach and Jim Hacker, each of Bolivar, Missouri; Roland Julian, Rogers, Arkansas; Beverly Jones, Jay, Oklahoma; and Pam Lawson, Grove, Oklahoma, to acquire voting shares of Stark Bancshares, Inc., and thereby indirectly acquire voting shares of LimeBank, Bolivar, Missouri
- Permitted, April 11, 2025
Commercial Holding Company, Inc., Paris, Tennessee -- the Price & Minta Ford Living Trust, Price Ford and Minta Ford as co-trustees, all of Memphis, Tennessee, as members of the Ford Family Control Group, a group acting in concert, to acquire additional voting shares of Commercial Holding Company, Inc., and thereby indirectly acquire voting shares of Commercial Bank & Trust Company, Paris, Tennessee.
- Withdrawn, February 27, 2025
Milco Bancorporation, Inc., Iberia, Missouri -- the Richard and Beth Wright Trust, Richard Wright and Beth Wright as trustees, all of Iberia, Missouri, to join a group acting in concert, to retain voting shares of Milco Bancorporation, Inc., and thereby indirectly retain voting shares of Bank of Iberia, Iberia, Missouri.
- Permitted, January 23, 2025
Warren Bank and Trust Company, Warren, Arkansas -- Thomas Marion Frazer, Warren, Arkansas, to acquire additional voting shares of Warren Bank and Trust Company.
- Permitted, January 21, 2025
Wyatt Bancshares, Inc., Calico Rock, Arkansas -- the Bonnie Copp Wyatt Revocable Trust, Bonnie Copp Wyatt as trustee; the Hayden Noel Wyatt 2019 Trust, Hayden Noel Wyatt, individually and as trustee; the Sanders Lee Wyatt 2019 Trust, Sanders Lee Wyatt, individually and as trustee, all of Melbourne, Arkansas, to join the Wyatt family control group, a group acting in concert, to retain voting shares of Wyatt Bancshares, Inc., and thereby indirectly retain voting shares of First National Bank of Izard County, Calico Rock, Arkansas.
- Permitted, January 10, 2025
Membership
Amory Federal Savings and Loan Association, Amory, Mississippi -- to become a member of the Federal Reserve System.
- Approved, October 24, 2025
Producers Bank & Trust, McGehee, Arkansas -- to become a member of the Federal Reserve System.
- Approved, September 26, 2025
Banks, State Member
Cadence Bank, Tupelo, Mississippi -- to make a public welfare investment.
- Approved, October 20, 2025
Cadence Bank, Tupelo, Mississippi -- to make a public welfare investment (two requests).
- Approved, October 8, 2025
Cadence Bank, Tupelo, Mississippi -- to make a public welfare investment (three requests).
- Approved, September 23, 2025
Cadence Bank, Tupelo, Mississippi -- request for retroactive approval to make a public welfare investment.
- Approved, September 16, 2025
Cadence Bank, Tupelo, Mississippi -- to make certain public welfare investments (four requests).
- Approved, July 22, 2025
Cadence Bank, Tupelo, Mississippi -- to make a public welfare investment.
- Approved, April 22, 2025
Financial Holding Companies
Chambers Bancshares, Inc., Danville, Arkansas -- election to become a financial holding company.
- Effective, September 10, 2025
Peoples Bancorp, Inc., Newton, Illinois -- election to become a financial holding company.
- Effective, April 2, 2025
Prime Banc Corp., Effingham, Illinois -- election to become a financial holding company.
- Effective, March 31, 2025
Rich Land Bancorp, Inc., Olney, Illinois -- election to become a financial holding company.
- Effective, February 26, 2025

Last Update: December 4, 2025