District 8: Federal Reserve Bank of St. Louis PDF

Filings received during the week ending November 12, 2022

FilerFiling TypeFiling ProposalEnd of Comment Period
NewspaperFederal Register
BRADFORD BANCORP, INC.Change in Bank Control The James C. Keaster III Revocable Trust, James C. Keaster, as trustee; the Rebecca R. Keaster Revocable Trust, Rebecca R. Keaster, as trustee; James Keaster IV, all of Greenville, Illinois, Benjamin Keaster, and Marie Keaster, both of Spring Arbor, Michigan, as a group acting in concert, to retain control of Bradford Bancorp, Inc., and thereby indirectly control The Bradford National Bank of Greenville, both of Greenville, Illinois. 12/05/202212/05/2022
BRADFORD BANCORP, INC.* 3A5Bradford Bancorp, Inc., Greenville, Illinois, to merge with Community Bancshares, Inc., Irvington, Illinois, and thereby indirectly acquire Community Trust Bank, Irvington, Illinois.12/15/2022Not available
FIRST BANK* Branch (Domestic)First Bank, Creve Coeur, Missouri, to establish a branch facility to be located at 2950 S. El Camino Real, San Mateo, California.11/17/2022Not applicable
FIRST STATE BANCSHARES, INC.Change in Bank ControlNotice by The First State Bank of St. Charles Employee Stock Ownership Plan ("ESOP"), and Luanne Caryl Cundiff, James Raymond Droste, Christopher Anthony Goellner, John Wesley McClure IV, and David Paul Strautz, all of St. Charles, Missouri, with each of the preceding individuals serving as trustees of the ESOP, together as a group acting in concert, to control First State Bancshares, Inc., and its subsidiary bank, First State Bank of St. Charles, both of St. Charles, Missouri.11/23/202212/02/2022

* 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 / LocationRSSD IDExam DateCRA Public DateCRA RatingExam Method
DIAMOND BK, MURFREESBORO, ARKANSAS2784711/08/202107/19/2021SInt Small Bank
FIDELITY BK, WEST MEMPHIS, ARKANSAS84824811/27/202108/23/2021SInt Small Bank
FIRST WESTERN BK, BOONEVILLE, ARKANSAS3474211/26/202107/19/2021SInt Small Bank
CRA Examinations scheduled for    Quarter of
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Last Update: November 17, 2022