Board of Governors of the Federal Reserve System

Chemung Canal Trust Company, Elmira, New York -- to establish a branch at 1465 Union Road, West Seneca, New York.*
Approved: October 9, 2025
*Addition

MainStreet Bank, Fairfax, Virginia -- to establish a branch at 10 North Pendleton Street, Middleburg, Virginia.
Approved: October 16, 2025

United Community Bank, Greenville, South Carolina -- to establish a branch at 110 Oakwood Drive, Winston-Salem, North Carolina.
Approved: October 15, 2025

Southern Bancorp Bank, Arkadelphia, Arkansas -- to establish a branch at 7102 Geyer Springs Road, Little Rock, Arkansas.
Approved: October 17, 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

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

SB Financial, Inc., Mount Juliet, Tennessee -- to become a bank holding company by acquiring outstanding shares of Southern Bank of Tennessee, Mount Juliet, Tennessee.
Withdrawn: October 17, 2025

Hometown Financial Group MHC and Hometown Financial Group, Inc., both of Easthampton, Massachusetts -- to merge with 15 Beach MHC and CFSB Bancorp, Inc., respectively, and thereby indirectly acquire Colonial Federal Savings Bank, all of Quincy, Massachusetts, pursuant to section 225.28(b)(4)(ii) of Regulation Y.
Approved: October 15, 2025

MountainOne Financial, MHC, and Mountain One Financial, Inc., both of North Adams, Massachusetts -- to merge with Mechanics Bancorp, MHC, and Mechanics Bancorp, Inc., respectively, and thereby indirectly acquire Mechanics Cooperative Bank, all of Taunton, Massachusetts.
Approved: October 16, 2025

Bank First Corporation, Manitowoc, Wisconsin -- waiver of application to acquire Centre 1 Bancorp, Inc., and thereby indirectly acquire The First National Bank and Trust Company (Bank), both of Beloit, Wisconsin, in connection with the merger of Bank with and into Bank First National Association, Manitowoc, Wisconsin.
Granted: October 15, 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

North Shore Bank, a Co-operative Bank, Peabody, Massachusetts -- to merge with Colonial Federal Savings Bank, Quincy, Massachusetts, with North Shore Bank as the surviving entity, and thereby establish branches at the locations of Colonial Federal Savings Bank.
Approved: October 15, 2025

South Plains Financial, Inc., Lubbock, Texas -- Henry TAW LP (TAW), Henry TAW Management LLC (TAW Management), Racham Investment Group LLC (Racham), Robbie S. Campbell (as co-manager of Racham) and Richard D. Campbell (individually, and as co-manager of each of TAW Management and Racham), all of Midland, Texas, as a group acting in concert (Campbell Control Group), to retain voting shares and thereby control of South Plains Financial, Inc. (Company), which controls City Bank (Bank), Lubbock, Texas. In addition, Henry Shares LLC to acquire voting shares and thereby control of the Company, which controls the Bank, and join the Campbell Control Group.*
Withdrawn: October 10, 2025
*Addition

The Goldman Sachs Group, Inc., New York, New York -- for Goldman Sachs Bank Europe SE, Frankfurt, Germany, to establish a branch in Singapore.*
Granted: September 24, 2025
*Addition

Cendera Bank, N.A., Bells, Texas -- to retain its membership in the Federal Reserve System following its conversion to a state-chartered bank (to be known as Cendera Bank).*
Approved: October 1, 2025
*Addition

Santander Bank, N.A. (Santander Bank), Wilmington, Delaware -- determination that a proposed transaction by Santander Bank to acquire Banco Santander International, Miami, Florida, in connection with an internal corporate reorganization, would be in the public interest and consistent with the purposes of section 23A of the Federal Reserve Act.*
Approved: July 31, 2025
*Addition