Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received
District 8: Federal Reserve Bank of St. Louis PDF
Filings received during the week ending August 30, 2025
| Filer | Filing Type | Filing Proposal | End of Comment Period | |
|---|---|---|---|---|
| Newspaper | Federal Register | |||
| CARDINAL BANCORP II, INC. | Change in Bank Control | Notice by Louis B. Eckelkamp, Jr., as trustee of the Bonnie J. Eckelkamp 2020 Irrevocable Family Trust dtd 12/31/2020, both of Washington, Missouri; Bonnie J. Eckelkamp, as trustee of the Louis B. Eckelkamp, Jr. 2020 Irrevocable Family Trust dtd 12/01/2020, both of Washington, Missouri; Louis B. Eckelkamp, III, as trustee of the Louis B. Eckelkamp, Jr. 2020 Irrevocable Family Trust dtd 12/01/2020, Louis B. Eckelkamp III Revocable Living Trust UTA 6/12/1996, Michael Joseph Sinnott, Jr. Trust S, Matthew Louis Sinnott Trust S, and Elizabeth Michelle Sinnott Trust S, all of Washington, Missouri; Jeanna Eckelkamp Sinnott, individually and trustee of the Bonnie J. Eckelkamp 2020 Irrevocable Family Trust dtd 12/31/2020, Sarah Jane Eckelkamp Trust S, Bonnie Laurent Eckelkamp Trust S, Louis Bernard Eckelkamp IV Trust S, and Anna Christina Eckelkamp Trust S, all of Washington, Missouri; Marilyn A. Eckelkamp, as trustee of the Marilyn A. Eckelkamp Revocable Trust dtd 7/21/14, both of Washington, Missouri; Wendy Eckelkamp Cordill, Oakbrook, Illinois, as trustee of the Wendy Eckelkamp Pace Revocable Trust dated 5/09/2014, Oakbrook, Illinois, and the Marilyn A. Eckelkamp Revocable Trust dtd 7/21/14, the Marilyn A. Eckelkamp 2020 Irrevocable Family Trust, and two Minor Trusts, all of Washington, Missouri; Jill Eckelkamp Gildehaus, as trustee of the Marilyn A. Eckelkamp Revocable Trust dtd 7/21/14, the Marilyn A. Eckelkamp 2020 Irrevocable Family Trust, Catherine Marie Pace Trust 21, Madeline Anne Pace Trust 21, Jill Eckelkamp Gildehaus Revocable Trust dtd 05/29/13, and three Minor Trusts, all of Washington, Missouri; William W. Eckelkamp Jr., as trustee of the Marilyn A. Eckelkamp Revocable Trust dtd 7/21/14, Marilyn A. Eckelkamp 2020 Irrevocable Family Trust, Catherine Marie Pace Trust 21, Madeline Anne Pace Trust 21, William Wood Eckelkamp, Jr. Revocable Trust U/A dtd 3/28/2013, and one Minor Trust, all of Washington, Missouri; Robert M. Tobben, individually and as trustee of the Judith A. Tobben 2020 Irrevocable Family Trust dtd 12/01/2020, both of Washington, Missouri; Judith A. Tobben, individually and as trustee of the Robert M. Tobben 2020 Irrevocable Family Trust dtd 12/31/2020, both of Washington, Missouri; Timothy W. Tobben, as trustee of the Judith A. Tobben 2020 Irrevocable Family Trust dtd 12/01/2020, Timothy W. Tobben Revocable Trust dtd 10/11/12, and nine Minor Trusts, all of Washington, Missouri; Thomas V. Tobben, as trustee of the Robert M. Tobben 2020 Irrevocable Family Trust dtd 12/31/2020, Thomas V. Tobben Revocable Trust dtd 7/8/10, and eight Minor Trusts, all of Washington, Missouri; Michael Tobben, St. Louis, Missouri, as trustee of the Michael R. Tobben Revocable Trust dtd 10/05/10, St. Louis, Missouri, and seven Minor Trusts, all of Washington, Missouri; Daniel Tobben, as trustee of the Daniel L. Tobben Revocable Trust dtd 6/10/15 and nine Minor Trusts, all of Washington, Missouri; and Susan E. Eckelkamp, as trustee of the Susan E. Eckelkamp Revocable Trust Dated 5/22/2023, both of St. Albans, Missouri; as the Eckelkamp Family Control Group, a group acting in concert, to retain voting shares of Cardinal Bancorp II, Inc., Washington, Missouri, and thereby indirectly retain voting shares of United Bank of Union, Union, Missouri | 09/26/2025 | Not available |
| CARDINAL BANCORP, INC. | Change in Bank Control | Notice by Louis B. Eckelkamp, Jr., as trustee of the Bonnie J. Eckelkamp 2020 Irrevocable Family Trust dtd 12/31/2020, both of Washington, Missouri; Bonnie J. Eckelkamp, as trustee of the Louis B. Eckelkamp, Jr. 2020 Irrevocable Family Trust dtd 12/01/2020, both of Washington, Missouri; Louis B. Eckelkamp, III, as trustee of the Louis B. Eckelkamp, Jr. 2020 Irrevocable Family Trust dtd 12/01/2020, Michael Joseph Sinnott, Jr. Trust S, Matthew Louis Sinnott Trust S, and Elizabeth Michelle Sinnott Trust S, all of Washington, Missouri; Jeanna Eckelkamp Sinnott, as trustee of the Bonnie J. Eckelkamp 2020 Irrevocable Family Trust dtd 12/31/2020, Sarah Jane Eckelkamp Trust S, Bonnie Laurent Eckelkamp Trust S, Louis Bernard Eckelkamp IV Trust S, and Anna Christina Eckelkamp Trust S, all of Washington, Missouri; Wendy Eckelkamp Cordill, Oakbrook, Illinois, as trustee of the Wendy Eckelkamp Pace Revocable Trust dated 5/09/2014, Oakbrook, Illinois, and the William W. Eckelkamp Revocable Trust UDA 7/21/2024 – Trust B, Marilyn A. Eckelkamp 2020 Irrevocable Family Trust, and two Minor Trusts, all of Washington, Missouri; Jill Eckelkamp Gildehaus, as trustee of the William W. Eckelkamp Revocable Trust UDA 7/21/2014 – Trust B, the Marilyn A. Eckelkamp 2020 Irrevocable Family Trust, Catherine Marie Pace Trust 21, Madeline Anne Pace Trust 21, Jill Eckelkamp Gildehaus Revocable Trust dtd 05/29/13, and three Minor Trusts, all of Washington, Missouri; William W. Eckelkamp Jr., as trustee of the William W. Eckelkamp Revocable Trust UDA 7/21/2014 – Trust B, the Marilyn A. Eckelkamp 2020 Irrevocable Family Trust, Catherine Marie Pace Trust 21, Madeline Anne Pace Trust 21, William Wood Eckelkamp, Jr. Revocable Trust U/A dtd 3/28/2013, and one Minor Trust, all of Washington, Missouri; Robert M. Tobben, as trustee of the Judith A. Tobben 2020 Irrevocable Family Trust dtd 12/01/2020, both of Washington, Missouri; Judith A. Tobben, as trustee of the Robert M. Tobben 2020 Irrevocable Family Trust dtd 12/31/2020, both of Washington, Missouri; Timothy W. Tobben, as trustee of the Judith A. Tobben 2020 Irrevocable Family Trust dtd 12/01/2020, Timothy W. Tobben Revocable Trust dtd 10/11/12, and nine Minor Trusts, all of Washington, Missouri; Thomas V. Tobben, as trustee of the Robert M. Tobben 2020 Irrevocable Family Trust dtd 12/31/2020, Thomas V. Tobben Revocable Trust dtd 7/8/10, and eight Minor Trusts, all of Washington, Missouri; Michael Tobben, St. Louis, Missouri, as trustee of the Michael R. Tobben Revocable Trust dtd 10/05/10, St. Louis, Missouri, and seven Minor Trusts, all of Washington, Missouri; Daniel Tobben, as trustee of the Daniel L. Tobben Revocable Trust dtd 6/10/15 and nine Minor Trusts, all of Washington, Missouri; and Susan E. Eckelkamp, as trustee of the Susan E. Eckelkamp Revocable Trust Dated 5/22/2023, both of St. Albans, Missouri; to join the Eckelkamp Family Control Group, a group acting in concert, and retain voting shares of Cardinal Bancorp, Inc., and thereby indirectly retain voting shares of CNB St. Louis Bank, both of Maplewood, Missouri | 09/26/2025 | Not available |
| DIAMOND BANCORP, INC | Change in Bank Control | Notice by Louis B. Eckelkamp, Jr., as trustee of the Bonnie J. Eckelkamp 2020 Irrevocable Family Trust dtd 12/31/2020, both of Washington, Missouri; Bonnie J. Eckelkamp, as trustee of the Louis B. Eckelkamp, Jr. 2020 Irrevocable Family Trust dtd 12/01/2020, both of Washington, Missouri; Louis B. Eckelkamp, III, as trustee of the Louis B. Eckelkamp, Jr. 2020 Irrevocable Family Trust dtd 12/01/2020, Louis B. Eckelkamp III Revocable Living Trust UTA 6/12/1996, Michael Joseph Sinnott, Jr. Trust S, Matthew Louis Sinnott Trust S, and Elizabeth Michelle Sinnott Trust S, all of Washington, Missouri; Jeanna Eckelkamp Sinnott, individually and trustee of the Bonnie J. Eckelkamp 2020 Irrevocable Family Trust dtd 12/31/2020, Sarah Jane Eckelkamp Trust S, Bonnie Laurent Eckelkamp Trust S, Louis Bernard Eckelkamp IV Trust S, and Anna Christina Eckelkamp Trust S, all of Washington, Missouri; Marilyn A. Eckelkamp, as trustee of the Marilyn A. Eckelkamp Revocable Trust dtd 7/21/14, both of Washington, Missouri; Wendy Eckelkamp Cordill, Oakbrook, Illinois, as trustee of the Wendy Eckelkamp Pace Revocable Trust dated 5/09/2014, Oakbrook, Illinois, and the Marilyn A. Eckelkamp Revocable Trust dtd 7/21/14, Marilyn A. Eckelkamp 2020 Irrevocable Family Trust, and two Minor Trusts, all of Washington, Missouri; Jill Eckelkamp Gildehaus, as trustee of the Marilyn A. Eckelkamp Revocable Trust dtd 7/21/14, Marilyn A. Eckelkamp 2020 Irrevocable Family Trust dtd 12/1/2020, Catherine Marie Pace Trust 21, Madeline Anne Pace Trust 21, Jill Eckelkamp Gildehaus Revocable Trust dtd 05/29/13, and three Minor Trusts, all of Washington, Missouri; William W. Eckelkamp Jr., as trustee of the Marilyn A. Eckelkamp Revocable Trust dtd 7/21/14, Marilyn A. Eckelkamp 2020 Irrevocable Family Trust dtd 12/1/2020, Catherine Marie Pace Trust 21, Madeline Anne Pace Trust 21, William Wood Eckelkamp, Jr. Revocable Trust U/A dtd 3/28/2013 and one Minor Trust, all of Washington, Missouri; Robert M. Tobben, as trustee of the Judith A. Tobben 2020 Irrevocable Family Trust dtd 12/01/2020, both of Washington, Missouri; Judith A. Tobben, as trustee of the Robert M. Tobben 2020 Irrevocable Family Trust dtd 12/31/2020, both of Washington, Missouri; Timothy W. Tobben, as trustee of the Judith A. Tobben 2020 Irrevocable Family Trust dtd 12/01/2020, Timothy W. Tobben Revocable Trust dtd 10/11/12, and nine Minor Trusts, all of Washington, Missouri; Thomas V. Tobben, as trustee of the Robert M. Tobben 2020 Irrevocable Family Trust dtd 12/31/2020, Thomas V. Tobben Revocable Trust dtd 7/8/10, and eight Minor Trusts, all of Washington, Missouri; Michael Tobben, St. Louis, Missouri, as trustee of the Michael R. Tobben Revocable Trust dtd 10/05/10, St. Louis, Missouri, and seven Minor Trusts, all of Washington, Missouri; Daniel Tobben, as trustee of the Daniel L. Tobben Revocable Trust dtd 6/10/15 and nine Minor Trusts, all of Washington, Missouri; and Susan E. Eckelkamp, as trustee of the Susan Ellen Eckelkamp Revocable Trust Dated 5/22/2023, both of St. Albans, Missouri; as the Eckelkamp Family Control Group, a group acting in concert, to retain voting shares of Diamond Bancorp, Inc., and thereby indirectly retain voting shares of Bank of Washington, both of Washington, Missouri | 09/26/2025 | Not available |
| SECURITY BANCORP OF TENNESSEE, INC. | * 3A3 | Security Bancorp of Tennessee, Inc., Halls, Tennessee, to acquire additional voting shares of Patriot of Tennessee Corporation and thereby indirectly acquire voting shares of Patriot Bank, both of Millington, Tennessee. | 09/26/2025 | 09/29/2025 |
| SOUTHERN BANCORP, INC | * 3A3 | Southern Bancorp, Inc., Arkadelphia, Arkansas, to acquire Ozarks Heritage Financial Group, Inc., Gainesville, Missouri, and thereby indirectly acquire Legacy Bank & Trust Company, Mountain Grove, Missouri | 10/03/2025 | 10/03/2025 |
* 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 / Location | RSSD ID | Exam Date | CRA Public Date | CRA Rating | Exam Method |
|---|---|---|---|---|---|
| ANSTAFF BK, GREEN FOREST, ARKANSAS | 261940 | 02/28/2025 | 11/12/2024 | S | Int Small Bank |
| ARMOR BK, FORREST CITY, ARKANSAS | 168571 | 01/19/2025 | 10/15/2024 | S | Int Small Bank |
| BANK OF FAYETTE CTY, PIPERTON, TENNESSEE | 466754 | 11/02/2024 | 07/22/2024 | S | Int Small Bank |
| CARROLL B&T, HUNTINGDON, TENNESSEE | 541857 | 09/27/2024 | 06/03/2024 | S | Int Small Bank |
| FIRST ST BK, RUSSELLVILLE, ARKANSAS | 114840 | 03/22/2025 | 12/02/2024 | S | Int Small Bank |
| GUARANTY BK, SPRINGFIELD, MISSOURI | 3804535 | 03/31/2024 | 05/01/2023 | S | Int Small Bank |
| OAKSTAR BK, SPRINGFIELD, MISSOURI | 3374412 | 12/19/2022 | 06/13/2022 | S | Int Small Bank |
| PATRIOT BK, MILLINGTON, TENNESSEE | 3120646 | 07/23/2022 | 02/07/2022 | S | Int Small Bank |
| PEOPLES B&TC CO, TROY, MISSOURI | 909055 | 07/28/2024 | 04/22/2024 | S | Int Small Bank |
| SIGNATURE BK, FAYETTEVILLE, ARKANSAS | 3350724 | 02/16/2025 | 10/15/2024 | S | Int Small Bank |
CRA Examinations scheduled for Quarter of
| Institution | Location | Quarter |
|---|---|---|
| NONE | ||
Last Update: September 04, 2025