Board of Governors of the Federal Reserve System

Regions Bank, Birmingham, Alabama -- to establish a branch at 285 Meeting Street, Charleston, South Carolina.
Approved: January 17, 2025

Liberty Financial Corporation, Middletown, Connecticut -- to become a bank holding company by acquiring Liberty Bank, Middletown, Connecticut.
Approved: January 17, 2025

PeoplesBancorp, MHC, Holyoke, Massachusetts -- to merge with SSB Community Bancorp MHC and thereby indirectly acquire SSB Community Bancorp Inc. and Cornerstone Bank, all of Spencer, Massachusetts.
Approved: January 15, 2025

First Liberty National Bancshares, Inc., Liberty, Texas -- to acquire First National Bank of Alvin, Alvin, Texas, from Coastal Bancshares, Inc., Pearland, Texas.
Approved: January 15, 2025

First Liberty National Bancshares, Inc., Liberty, Texas -- to acquire Pearland State Bank, Pearland, Texas, from Coastal Bancshares, Inc., Pearland, Texas.
Approved: January 15, 2025

Atlantic Union Bankshares Corporation, Glen Allen, Virginia -- (1) to acquire Sandy Spring Bancorp, Inc., and thereby indirectly acquire Sandy Spring Bank, both of Olney, Maryland, and (2) for Atlantic Union Bank, Richmond, Virginia, to merge with Sandy Spring Bank and operate Sandy Spring Bank's branches.
Approved: January 13, 2025

First Liberty Bank, Liberty, Texas -- (1) to acquire by merger First National Bank of Alvin, Alvin, Texas, and thereby establish branches and (2) to increase its investment in bank premises.
Approved: January 15, 2025

First Liberty Bank, Liberty, Texas -- (1) to acquire by merger Pearland State Bank, Pearland, Texas, and thereby establish branches and (2) to increase its investment in bank premises.
Approved: January 15, 2025

Putnam County Bank, Hurricane, West Virginia -- to increase its investment in bank premises.
Approved: January 14, 2025

Embassy Bancshares, Inc., Lawrenceville, Georgia -- Nitin Shah and Mili N. Shah, both of Lawrenceville, Georgia; as a group acting in concert, to retain voting shares of Embassy Bancshares, Inc., and thereby indirectly retain voting shares of Embassy National Bank, Lawrenceville, Georgia.
Permitted: January 14, 2025

Oak Financial, Inc., Fitchburg, Wisconsin -- the Gabrielse Joint Revocable Trust, Bruce J. Gabrielse and Barbara L. Gabrielse, as co-trustees, all of Fitchburg, Wisconsin; the Jack and Denise Gabrielse Revocable Trust, Jack L. Gabrielse and Denise L. Gabrielse, as co-trustees, all of Oregon, Wisconsin; and the Gabrielse Joint Revocable Trust, Brian J. Gabrielse and Jennifer K. Gabrielse, as co-trustees, all of Madison, Wisconsin; to join the Gabrielse Family Control Group, a group acting in concert, to retain voting shares of Oak Financial, Inc., and thereby indirectly retain voting shares of Oak Bank, Fitchburg, Wisconsin.
Permitted: January 15, 2025

Citizens Guaranty Financial Corporation, Irvine, Kentucky -- the Kathryn St. Clair Trust, under agreement dated January 26, 2024, as amended on June 20, 2024, Irvine, Kentucky; and Jaclyn R. St. Clair Shoop, trustee, Lexington, Kentucky; to acquire voting shares of Citizens Guaranty Financial Corporation and thereby indirectly acquire voting shares of Citizens Guaranty Bank, Richmond, Kentucky.
Permitted: January 14, 2025

Country Agencies & Investments, Inc., Odessa, Missouri -- Michael Scott Crowe, Sr., as co-trustee of the Robert E. Oliphant Trust, both of Kansas City, Missouri, to retain voting shares of Country Agencies & Investments, Inc., and thereby indirectly retain voting shares of Bank of Odessa, Odessa, Missouri. The Robert E. Oliphant Trust has previously been permitted to control voting shares of Country Agencies & Investments, Inc.
Permitted: January 17, 2025

FBHC Holding Company, Boulder, Colorado -- William F. Dugan, Waterloo, Nebraska, individually and as trustee of the Flatirons Bank Employee Stock Ownership Plan and Trust, both of Boulder, Colorado, to acquire voting shares of FBHC Holding Company and thereby indirectly acquire voting shares of Flatirons Bank, Boulder, Colorado.
Permitted: January 13, 2025

Chippewa Valley Agency, Ltd., Hayward, Wisconsin -- Lindsey M. Anderson, individually and as trustee of the Rick H. Gerber-Lindsey Irrevocable Trust, both of Chippewa Falls, Wisconsin; Brittney L. Gerber, individually and as trustee of the Rick H. Gerber-Brittany Irrevocable Trust, both of Altoona, Wisconsin; and Ryan M. Gerber, individually and as trustee of the Rick H. Gerber-Ryan Irrevocable Trust, both of Hayward, Wisconsin; to join the Gerber Family Control Group, a group acting in concert, to acquire voting shares of Chippewa Valley Agency, Ltd., and thereby indirectly acquire voting shares of Chippewa Valley Bank, Hayward, Wisconsin.
Permitted: January 15, 2025

Richton Bank and Trust Company, Richton, Mississippi -- to become a member of the Federal Reserve System.
Approved: January 16, 2025