Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 3
Federal Reserve Bank of: Philadelphia

Filings received during the week ending March 26, 2022

Filer

Filing Type

Filing Proposal

End of Comment Period

CAMBRAY MUTUAL HOLDING COMPANY

4c8
* SLHC Formation
* 3A1
* 3A3

Cambray Mutual Holding Company, MHC ("Cambray MHC") and Gouverneur Bancorp, Inc. ("Gouverneur Bancorp"), both of Gouverneur, NY, a mutual savings and loan holding company and mid-tier stock savings and loan company, respectively, to become bank holding companies by acquiring Citizens Bank of Cape Vincent ("Citizens Bank"), Cape Vincent, NY, under Section 3 of the BHC Act. In connection with this application, Cambray MHC and Gouverneur Bancorp to retain ownership of Gouverneur Savings and Loan Association, a savings association for the time they are bank holding companies and thereby engage in operating a savings association pursuant to section 4(c)(8) of the BHC Act. Finally, Cambray MHC and Gouverneur Bancorp to become a mutual savings and loan company and mid-tier savings and loan holding company, respectively, pursuant to section 10(e) of the Home Owner's Loan Act following the merger of Citizens Bank with and into Gouverneur Savings and Loan Association.

Newspaper:	04/11/2022
Federal Register:	04/27/2022

TD BANK US HOLDING COMPANY

* 3A5
* 3A3

The Toronto-Dominion Bank, Toronto, Ontario, Canada, and its wholly owned subsidiaries, TD Group US Holdings, LLC, Wilmington, Delaware, and TD Bank US Holding Company, Cherry Hill, New Jersey, applied for prior Board approval of the acquisition of First Horizon Corporation and its subsidiary bank, First Horizon Bank, both of Memphis, Tennessee, pursuant to Sections 3(a)(3) and 3(a)(5) of the Bank Holding Company Act.

Newspaper:	Not available
Federal Register:	04/27/2022

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
NONE

CRA Examinations scheduled for Quarter of

Institution	Location	Quarter
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 3 Federal Reserve Bank of: Philadelphia

Filings received during the week ending March 26, 2022

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 3
Federal Reserve Bank of: Philadelphia