Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received
District 12: Federal Reserve Bank of San Francisco PDF
Filings received during the week ending October 10, 2026
| Filer | Filing Type | Filing Proposal | End of Comment Period | |
|---|---|---|---|---|
| Newspaper | Federal Register | |||
| CHIME FINANCIAL, INC. | * 3A1 Election (Domestic) | Chime Financial, Inc., San Francisco, California, to become a bank holding company by acquiring Central Service Corporation, and thereby indirectly acquire Stride Bank, both of Enid, Oklahoma. In addition, Chime Financial, Inc. and Central Service Corporation elect to become financial holding companies. | Not available | Not available |
| STATE BANCORP NORTHWEST | Change in Bank Control | Gregory S. Deckard, Spokane, Washington; to acquire additional voting shares of State Bancorp Northwest, and thereby indirectly acquire voting shares of State Bank Northwest, both of Spokane Valley, Washington. | Not available | 10/23/2026 |
| WAFD, INC. | * 3A3 * 3A5 Election (Domestic) | WaFd, Inc., Seattle, Washington, to acquire EverBank Financial Corp, and thereby indirectly acquire EverBank, National Association, both of Jacksonville, Florida. | 11/04/2026 | 11/12/2026 |
* 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 |
|---|---|---|---|---|---|
| COMMENCEMENT BK, TACOMA, WASHINGTON | 3537897 | 03/09/2026 | 10/06/2025 | S | Int Small Bank |
| COMMERCEWEST BK, IRVINE, CALIFORNIA | 3052813 | 06/14/2025 | 02/24/2025 | S | Int Small Bank |
| CORNERSTONE CMNTY BK, RED BLUFF, CALIFORNIA | 3485420 | 08/29/2025 | 05/12/2025 | S | Int Small Bank |
| DBA OR PACIFIC BK, FLORENCE, OREGON | 160360 | 05/28/2026 | 01/12/2026 | S | Int Small Bank |
| MISSION BK, BAKERSFIELD, CALIFORNIA | 2736714 | 11/02/2025 | 07/07/2025 | O | Int Small Bank |
CRA Examinations scheduled for Quarter of
| Institution | Location | Quarter |
|---|---|---|
| NONE | ||