Actions under delegated authority

Encore Bank, Little Rock, Arkansas -- to relocate the main office to 1801 Rahling Road, Little Rock, and to retain the office at 12224 Chenal Parkway as a branch.
-Approved, July 21, 2020

Frost Bank, San Antonio, Texas -- to establish a branch at 1710 Briarcrest Drive, Bryan.
-Approved, July 24, 2020

The State Bank and Trust Company, Defiance, Ohio -- to establish a branch at 1379 North Shoop Avenue, Wauseon.
-Approved, July 24, 2020

Heritage Financial Corporation, Columbia, Tennessee -- to become a bank holding company by acquiring shares of Heritage Bank and Trust, Columbia.
-Approved, July 23, 2020

Ocean Bankshares, Inc., Miami, Florida, and Ocean Bank -- limited relief from certain commitments (three requests).
-Granted, July 21, 2020

Ocean Bankshares, Inc., Miami, Florida, and Ocean Bank -- limited relief from certain commitments.
-Granted, July 22, 2020

Security Bancshares, Inc., Paris, Tennessee -- (1) to become a bank holding company by acquiring Security Bank and Trust Company, Paris; and (2) to merge with Dyer F&M Bancshares, Inc., Dyer, and thereby acquire The Farmers & Merchants Bank.
-Approved, July 24, 2020

Summit Bank Group, Inc., Eugene, Oregon -- to become a bank holding company by acquiring Summit Bank, Eugene.
-Approved, July 23, 2020

Putnam County Bank, Hurricane, West Virginia -- to increase its investment in bank premises.
-Approved, July 23, 2020

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga Springs, New York -- extension to November 20, 2020, to acquire additional shares of 473 Broadway Holding Corporation, Saratoga Springs, and The Adirondack Trust Company.
-Granted, July 24, 2020

Bridgewater Savings Bank, Raynham, Massachusetts -- extension to October 31, 2020, to merge with Mansfield Co-operative Bank, Mansfield, and acquire branches in Mansfield, Norton, Plainville, and West Bridgewater.
-Granted, July 23, 2020

Minier Financial, Inc. Employee Stock Ownership Plan with 401(k) Provisions, Minier, Illinois -- extension to October 23, 2020, to acquire additional shares of Minier Financial, Inc., Minier, and thereby acquire shares of First Farmers State Bank.
-Granted, July 20, 2020

Lending and Liquidity Facilities -- reports to Congress pursuant to section 13(3) of the Federal Reserve Act in response to COVID-19.
-Approved, July 22, 2020

Cullman Bancorp, Inc., Cullman, Alabama -- to conduct a minority stock issuance.
-Approved, July 21, 2020

Hoyne Savings, MHC, Chicago, Illinois, and Hoyne Financial Corporation (collectively, the applicants) -- (1) to acquire Loomis Federal Savings and Loan Association (Loomis), Chicago; (2) for Hoyne Savings, MHC, to acquire control of the newly formed Hoyne Interim Bank; (3) for Loomis and Hoyne Savings Bank (the applicants' existing subsidiary) to merge with and into Hoyne Interim Bank; and (4) for Hoyne Savings, MHC, to transfer ownership of Hoyne Interim Bank, to be known as Hoyne Savings Bank, to Hoyne Financial Corporation.
-Approved, July 21, 2020