Board of Governors of the Federal Reserve System

Orange Bank & Trust Company, Middletown, New York -- to establish a branch at 715 Route 211 East, Middletown, New York.
Approved: August 15, 2025

The Central Trust Bank, Jefferson City, Missouri -- to establish a branch at 2516 West Main Street, Littleton, Colorado.
Approved: August 14, 2025

Climate First Bancorp, Inc., Winter Park, Florida -- relief from a commitment.*
Granted: August 6, 2025
*Addition

Millennium Bancshares, Inc., Ooltewah, Tennessee -- to merge with North Georgia Community Financial Partners, Inc., and thereby acquire North Georgia National Bank, both of Calhoun, Georgia.
Approved: August 11, 2025

NexTier Incorporated, Kittanning, Pennsylvania -- request by the Snyder Family Group for relief from a commitment involving NexTier Incorporated (formerly Merchants Bancorp of Pennsylvania, Inc.).
Granted: August 14, 2025

Kansas Investors Bancshares, Inc., Blue Mound, Kansas -- to become a bank holding company by acquiring The Farmers State Bank of Blue Mound, Blue Mound, Kansas.
Approved: August 13, 2025

West 4 Bancshares, Inc., Healy, Kansas -- to acquire The First State Bank of Ransom, Ransom, Kansas.
Approved: August 14, 2025

Seneca Financial MHC, Baldwinsville, New York -- to convert from mutual to stock form. As part of the conversion, (1) Seneca Financial MHC and Seneca Financial Corp., Baldwinsville, New York, will cease to exist and (2) Seneca Savings, Baldwinsville, New York, will convert to a commercial bank; be renamed Seneca Savings Bank, National Association; and become a subsidiary of Seneca Bancorp, Inc., which has applied to become a bank holding company.
Approved: August 12, 2025

Goldman Sachs Bank USA, New York, New York -- to make a public welfare investment.
Approved: August 14, 2025

Goldman Sachs Bank USA, New York, New York -- to make a public welfare investment.
Approved: August 12, 2025

Goldman Sachs Bank USA, New York, New York -- to make a public welfare investment.
Approved: August 11, 2025

The Northern Trust Company, Chicago, Illinois -- to make a noncash dividend.
Approved: August 14, 2025

The Northern Trust Company, Chicago, Illinois -- to make a public welfare investment.
Approved: August 11, 2025

Heritage Financial Corporation, Columbia, Tennessee -- Edward Kent Pardon and Edward Kent Pardon IRA, both of Columbia, Tennessee; and Doris Pardon, Summertown, Tennessee; to form the Pardon Family Control Group, a group acting in concert, to retain voting shares of Heritage Financial Corporation and thereby indirectly retain voting shares of Heritage Bank & Trust, Columbia, Tennessee.
Permitted: August 15, 2025

Cedar Rapids State Company, Cedar Rapids, Nebraska -- Mollie Morrow, Albion, Nebraska; to become a member of the Sullivan Morrow Family Control Group, a group acting in concert, to retain voting shares of Cedar Rapids State Company and thereby indirectly retain voting shares of Cedar Rapids State Bank, Cedar Rapids, Nebraska.
Permitted: August 11, 2025

Orrick Financial Corporation, Orrick, Missouri -- Ryan Sullivan, Dorado, Puerto Rico, and Bryan Adams, Loch Lloyd, Missouri; to establish the Sullivan Adams Control Group, a group acting in concert, to acquire voting shares of Orrick Financial Corporation and thereby indirectly acquire voting shares of TBO Bank, Orrick, Missouri.
Permitted: August 14, 2025

Grant County Bancorporation, Inc., Carson, North Dakota -- Michael Schmid, Carson, North Dakota; to join the Schmid Family Control Group, a group acting in concert, to acquire voting shares of Grant County Bancorporation, Inc., and thereby indirectly acquire voting shares of Grant County State Bank, Carson, North Dakota.
Permitted: August 15, 2025

JPMorgan Chase & Co., New York, New York; JPMorgan Chase Bank, N.A., Columbus, Ohio; and J.P. Morgan International Finance Limited, New York, New York -- prior notice to make an investment in an Edge Act corporation and an investment in a foreign subsidiary pursuant to section 211.9(f) of the Board's Regulation K.*
Reviewed and no objection: July 30, 2025
*Addition