Actions under delegated authority

The Bank of Charlotte County, Phenix, Virginia -- to establish a branch at 4767 Main Street, Drakes Branch, Virginia.
-Approved, July 8, 2022

CapStar Bank, Nashville, Tennessee -- to establish a branch at 735 Broad Street, Chattanooga, Tennessee.
-Approved, July 6, 2022

Encore Bank, Little Rock, Arkansas -- to establish a branch at 3151 Apex Drive, Charlotte, North Carolina.
-Approved, July 7, 2022

Frost Bank, San Antonio, Texas -- to establish a branch at 3100 Independence Parkway, Plano, Texas.
-Approved, July 7, 2022

Frost Bank, San Antonio, Texas -- to establish a branch at 3128 Forest Lane, Dallas, Texas.
-Approved, July 7, 2022

Iowa State Bank and Trust Company, Fairfield, Iowa -- to establish a branch at 625 East Pennsylvania Avenue, Ottumwa, Iowa.
-Approved, July 5, 2022

First Waterloo Bancshares, Inc., Waterloo, Illinois -- to acquire through merger Village Bancshares, Inc., and thereby indirectly acquire Village Bank, both of Saint Libory, Illinois.
-Returned, July 7, 2022

Studio Financial Holdings, Inc., Nashville, Tennessee -- relief from certain commitments.
-Granted, June 23, 2022
(A/C)

East West Bank, Pasadena, California -- to make certain public welfare investments.
-Approved, July 1, 2022
(A/C)

First Financial Bank, Cincinnati, Ohio -- to make certain public welfare investments.
-Approved, June 29, 2022
(A/C)

Manufacturers and Traders Trust Company, Buffalo, New York -- to make a public welfare investment.
-Approved, July 1, 2022
(A/C)

The Northern Trust Company, Chicago, Illinois -- to make a public welfare investment.
-Approved, July 1, 2022
(A/C)

CLC Enterprises, Inc., Nelson, Nebraska -- the H.J. and Janet Podoll Living Trust dated June 24, 2002, and H.J. Podoll and Janet Podoll, as co-trustees, to join the Clabaugh Family Group, a group acting in concert, to retain voting shares of CLC Enterprises, Inc., and thereby indirectly retain voting shares of Commercial Bank, Nelson, Nebraska. In addition, Todd A. Clabaugh, Elm Creek, Nebraska, and Travis Clabaugh, Sioux Center, Iowa; to join the Clabaugh Family Group to acquire additional voting shares of CLC Enterprises, Inc., and thereby indirectly acquire additional voting shares of Commercial Bank.
-Permitted, July 5, 2022

Haviland Bancshares, Inc. Employee Stock Ownership Plan, Haviland, Kansas -- Michael Mark Matthews, Houston, Texas, and Anthony Charles Matthews, Estero, Florida, to retain voting shares as trustees of the Haviland Bancshares, Inc. Employee Stock Ownership Plan and thereby indirectly control voting shares of Haviland Bancshares, Inc., and The Haviland State Bank, both of Haviland, Kansas; and to both join the Matthews Family Group, a group acting in concert.
-Permitted, June 30, 2022
(A/C)

Haviland Bancshares, Inc., Haviland, Kansas -- Michael Mark Matthews, Houston, Texas, and Anthony Charles Matthews, Estero, Florida, to retain voting shares as trustees of the Haviland Bancshares, Inc. Employee Stock Ownership Plan, Haviland, Kansas, and thereby control voting shares of Haviland Bancshares, Inc., and indirectly The Haviland State Bank, Haviland, Kansas; and to both join the Matthews Family Group, a group acting in concert.
-Permitted, June 30, 2022
(A/C)

Ironhorse Financial Group, Inc., Muskogee, Oklahoma -- the Aston McNeill Armstrong 2018 GST Exempt Trust, Sloan Armstrong Hart 2018 GST Exempt Trust, Aston McNeill Armstrong Living Trust, and Sloan Walker Armstrong Living Trust, all of Vian, Oklahoma; and Kelsi Farmer, as trustee of the aforementioned trusts, New York, New York; members of the Armstrong Family Group, a group acting in concert, to acquire additional voting shares of Ironhorse Financial Group, Inc., and thereby indirectly acquire additional voting shares of Armstrong Bank, Muskogee, Oklahoma. In addition, the Lea Ann Bumpers 2022 Irrevocable Trust, Lea Ann Bumpers, as trustee, both of Little Rock, Arkansas, to join the Armstrong Family Group, to retain voting shares of Ironhorse Financial Group, Inc., and thereby indirectly retain voting shares of Armstrong Bank.
-Permitted, July 8, 2022

Commerce Bancshares of Roswell, Inc., Employee Stock Ownership Plan, Roswell, New Mexico -- extension to October 25, 2022, to become a bank holding company by acquiring shares of Commerce Bancshares of Roswell, Inc., and thereby indirectly acquire shares of Valley Bank of Commerce, both of Roswell, New Mexico.
-Granted, July 6, 2022

Cross County Bancshares, Inc., Wynne, Arkansas -- extension to October 28, 2022, to acquire Central Bank, Little Rock, Arkansas.
-Granted, July 7, 2022

First National Bank of North Arkansas, Berryville, Arkansas -- to retain its membership in the Federal Reserve System following its conversion to a state-chartered bank.
-Approved, June 28, 2022
(A/C)

Vision Bank, National Association, Ada, Oklahoma -- to retain its membership in the Federal Reserve System following its conversion to a state-chartered bank.
-Approved, June 28, 2022
(A/C)

Lending and Liquidity Facilities -- reports to Congress pursuant to section 13(3) of the Federal Reserve Act in response to COVID-19.
-Approved, July 8, 2022