Actions under delegated authority

Commonwealth Business Bank, Los Angeles, California -- to establish a branch at 14370 Culver Drive, Irvine, California.
-Approved, October 5, 2021

First State Bank Southwest, Pipestone, Minnesota -- to establish a branch at the northeast corner of the intersection of East 57th Street and South Graystone Avenue, Sioux Falls, South Dakota.
-Approved, October 8, 2021

First Western Bank & Trust, Minot, North Dakota -- to establish a branch at 320 South Phillip Avenue, Sioux Falls, South Dakota.
-Approved, October 7, 2021

Frost Bank, San Antonio, Texas -- to establish a branch at 2051 West Airport Freeway, Euless, Texas.
-Approved, October 6, 2021

Oak Valley Community Bank, Oakdale, California -- to establish a branch at 1478 Stone Point Drive, Roseville, California.
-Approved, October 6, 2021

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga Springs, New York -- to acquire additional shares of 473 Broadway Holding Corporation and The Adirondack Trust Company, both of Saratoga Springs, New York.
-Approved, October 7, 2021

Dairyland Bank Holding Corporation, La Crosse, Wisconsin -- to retain voting shares of Farmers State Bank-Hillsboro, Hillsboro, Wisconsin.
-Approved, October 8, 2021

Employee Stock Ownership Plan Accounts Trust of the Security Bank KSOP & Trust, Laurel, Nebraska -- to become a bank holding company by acquiring voting shares of First Laurel Security Co., parent of Security Bank, Laurel, Nebraska.
-Approved, October 5, 2021

Fentura Financial, Inc., Fenton, Michigan -- to acquire Farmers State Bank of Munith, Munith, Michigan.
-Approved, October 6, 2021

Friendship Bancshares, Inc., Linn, Missouri -- to acquire voting shares of Grey Mountain Holdings, Inc., Fulton, Missouri, and thereby indirectly acquire Investors Community Bank, Chillicothe, Missouri.
-Approved, October 7, 2021

Grey Mountain Holdings, Inc., and GM Acquisition Sub, Inc., both of Fulton, Missouri -- to become bank holding companies by acquiring IFB Holdings, Inc., and thereby indirectly acquiring voting shares of Investors Community Bank, both of Chillicothe, Missouri.
-Approved, October 7, 2021

MCNB Banks, Inc., Welch, West Virginia -- to engage in lending activities.
-Approved, October 7, 2021

Old Second Bancorp, Inc., Aurora, Illinois -- to merge with West Suburban Bancorp, Inc., and thereby indirectly acquire West Suburban Bank, both of Lombard, Illinois.
-Approved, October 8, 2021

Platte Valley Financial Services Companies, Inc. (PVFSC), Scottsbluff, Nebraska -- waiver of application to acquire Cache Bank & Trust (Cache Bank), Greeley, Colorado, in connection with the merger of Cache Bank with and into PVFSC's subsidiary, Mountain Valley Bank, Walden, Colorado.
-Granted, October 8, 2021

Poplar Bluff Bancorp, Inc., Poplar Bluff, Missouri -- to become a bank holding company by acquiring First Missouri State Bank, Poplar Bluff, Missouri.
-Approved, October 5, 2021

Mountain Valley Bank, Walden, Colorado -- to merge with Cache Bank & Trust (Cache Bank), Greeley, Colorado, and thereby establish branches at the locations of the main office and branch of Cache Bank.
-Approved, October 8, 2021

Peoples Bank & Trust Co., Troy, Missouri -- to merge with Bank of Louisiana, Louisiana, Missouri, and to retain the acquired facilities as branches.
-Approved, October 5, 2021

Community First Financial Corporation, Kokomo, Indiana -- Robert F. Hingst Kokomo, Indiana, along with Ann Hingst Vyas and Amit Vyas, Chicago, Illinois, to become members of the Hingst Family Control Group, a group acting in concert, to acquire additional voting shares of Community First Financial Corporation and thereby indirectly acquire voting shares of Community First Bank of Indiana, Kokomo, Indiana.
-Permitted, October 6, 2021

Financial Services of Lowry, Inc. (FSLI), Lowry, Minnesota -- the Peter J. Nelson Trust (in formation), Kari A.M. Nelson, trustee, both of Glenwood, Minnesota, to join the Nelson-Martinson Family Shareholder Group, a group acting in concert, to acquire voting shares of FSLI and thereby indirectly retain voting shares of Lowry State Bank, Lowry, Minnesota, and First National Bank of Osakis, Osakis, Minnesota.
-Permitted, October 8, 2021

First Laurel Security Co., Laurel, Nebraska -- Keith A. Knudsen, Laurel, Nebraska, individually and as voting trustee of the Employee Stock Ownership Plan Accounts Trust of the Security Bank KSOP & Trust, Laurel, Nebraska, to acquire shares and thereby control of First Laurel Security Co., parent of Security Bank, Laurel, Nebraska.
-Permitted, October 5, 2021

Fostoria Bankshares, Inc., Fostoria, Iowa -- the CAOS Family Irrevocable Trust, Teresa J. Simington and Bradley D. Simington, as co-trustees, and Bradley D. Simington, as an individual, all of Milford, Iowa, to form the CAOS Family Irrevocable Trust control group, a group acting in concert, to retain voting shares of Fostoria Bankshares, Inc., and thereby indirectly retain voting shares of Farm Savings Bank, Fostoria, Iowa.
-Permitted, October 8, 2021

Minnesota Community Bancshares, Inc., Albert Lea, Minnesota -- Daniel Otten, Hayward, Minnesota, to retain voting shares of Minnesota Community Bancshares, Inc. (MCBI), and thereby indirectly retain voting shares of Arcadian Bank (Bank), Hartland, Minnesota. Additionally, Tony Kermes, Hayward, Minnesota, to acquire voting shares of MCBI and join the Otten Family Control Group, a group acting in concert, and thereby indirectly acquire voting shares of Bank.
-Permitted, October 5, 2021

Nicolet Bankshares, Inc., Green Bay, Wisconsin -- extension to December 1, 2021, to merge with County Bancorp Inc. and thereby indirectly acquire Investors Community Bank, both of Manitowoc, Wisconsin.
-Granted, October 5, 2021

Commerce National Bankshares of Florida, Inc., Winter Park, Florida -- election to become a financial holding company.
-Effective, October 6, 2021

Employee Stock Ownership Plan Accounts Trust of the Security Bank KSOP & Trust, Laurel, Nebraska -- election to become a financial holding company.
-Effective, October 5, 2021

Lending and Liquidity Facilities -- reports to Congress pursuant to section 13(3) of the Federal Reserve Act in response to COVID-19.
-Approved, October 7, 2021