Board of Governors of the Federal Reserve System

First Commerce Bancorp, Inc., Lewisburg, Tennessee -- to acquire Peoples Bank of Middle Tennessee, Shelbyville, Tennessee.
Approved: January 3, 2025

Jane Austin Chapman Management Company, L.C., Frankston, Texas -- to become a bank holding company by acquiring voting shares of (1) Austin Bancorp, Inc., and thereby indirectly acquiring voting shares of Austin Bank, Texas National Association, both of Jacksonville, Texas; (2) Athens, TX Bancshares, Inc., and thereby indirectly acquiring voting shares of First State Bank, both of Athens, Texas; and (3) Capital Bancorp, Inc., Jacinto City, Texas, and thereby indirectly acquiring voting shares of Capital Bank, Houston, Texas.*
Approved: December 27, 2024
*Addition

Woodforest Financial Group Employee Stock Ownership Plan (with 401(k) provisions) (amended and restated eff. 01-01-21) and Woodforest Financial Group Employee Stock Ownership Trust, both of The Woodlands, Texas -- to acquire voting shares of Woodforest Financial Group, Inc., and thereby indirectly acquire Woodforest National Bank, both of The Woodlands, Texas.
Approved: December 31, 2024

Busey Bank, Champaign, Illinois -- to make a public welfare investment.
Approved: January 3, 2025

Farmers Bank & Trust Company, Magnolia, Arkansas -- to acquire control of a financial subsidiary, Title Guaranty of Columbia County, Inc., Magnolia, Arkansas, pursuant to section 208.76(a)(1) of Regulation H.*
Approved: December 26, 2024
*Addition

First Forest Corporation, Forest, Mississippi -- Oliver Beaman Triplett IV, George Beaman Triplett, Olivia Triplett Harrell, and the Bank of Forest Employee Stock Ownership Trust, a group acting in concert, all of Forest, Mississippi, to retain voting shares of First Forest Corporation and thereby indirectly retain voting shares of Bank of Forest, Forest, Mississippi.
Permitted: December 31, 2024

Vista Bancshares, Inc., Dallas, Texas -- the Kathryn McLaughlin Irrevocable Asset Trust FBO Patricia M. Thomas, Patricia M. Thomas as trustee, Patricia M. Thomas, Harvey I. Thomas, Ryan E. Thomas, Anne A. Thomas and three minor children, all of Granbury, Texas; Justin L. Thomas, Kimberly D. Thomas and three minor children, all of Lipan, Texas; the Kathryn McLaughlin Irrevocable Asset Trust FBO Karyn M. Frist, Karyn M. Frist as trustee, Karyn M. Frist, William H. Frist, Jr., and Bryan E. Frist, all of Nashville, Tennessee; and Jonathan M. Frist, Washington, D.C., to be collectively known as the Thomas-Frist Family Group, a group acting in concert, and thereby retain voting shares of Vista Bancshares, Inc., and indirectly retain voting shares of Vista Bank, Dallas, Texas.
Permitted: January 3, 2025

Rawlins Bankshares, Inc., Rawlins, Wyoming -- the Dwight H. France Revocable Trust and Candace France, in her capacity as successor trustee, both of Encampment, Wyoming, to retain voting shares of Rawlins Bankshares, Inc. (the company), and thereby indirectly retain voting shares of Bank of Commerce, Rawlins, Wyoming (the bank). In addition, the Candace C. France Revocable Trust and Candace France as trustee, both of Encampment, Wyoming, to acquire voting shares of the company and thereby indirectly acquire voting shares of the bank; and to become members of the France Family Group. Additionally, Natalie France, Nampa, Idaho, Tara France, Katelyn France, and Karsyn France, all of Rawlins, Wyoming; to become members of the France Family Group, a group acting in concert, to retain shares of the company and thereby indirectly retain voting shares of the bank.
Permitted: January 2, 2025

Lake Shore Bancorp Inc., Dunkirk, New York -- to conduct a minority stock issuance.*
Approved: December 23, 2024
*Addition

Stress Tests -- notification to firms required to assume a large counterparty default in their 2025 company-run stress tests.*
Approved: December 20, 2024
*Addition