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 September 27, 2025
| Filer | Filing Type | Filing Proposal | End of Comment Period | |
|---|---|---|---|---|
| Newspaper | Federal Register | |||
| ARVEST BANK | * Branch (Domestic) | Arvest Bank, Fayetteville, Arkansas, to establish a branch facility to be located at the corner of US Highway 60 and Farm Road 103, Republic, Missouri | 10/07/2025 | Not applicable |
| INDEPENDENCE BANCSHARES, INC. | Change in Bank Control | Notice by Tracy K. Reid, Prospect, Kentucky; Kevin L. Reid and Tammy Reid, both of St. Augustine, Florida; Albert R. Reid and Dorothy Reid, both of Owensboro, Kentucky; Joshua Searcy, Tony L. Searcy and Cynthia B. Searcy, all of Calhoun, Kentucky; and Cathy R. Switzer as POA for Marjorie A. Reid, and proxy for the Marjorie A. Reid Living Trust and the Charles A. Reid Family Trust, all of Lexington, Kentucky, to join the Reid Family Control Group, a group acting in concert, and retain voting shares of Independence Bancshares, Inc., and thereby indirectly retain control of Independence Bank of Kentucky, both of Owensboro, Kentucky | 10/02/2025 | 10/15/2025 |
| INSOUTH BANK | * Branch (Domestic) | INSOUTH Bank, Brownsville, Tennessee, to establish a branch facility located at 7878 Farmington Boulevard, Germantown, Tennessee. | 10/10/2025 | Not applicable |
| OAKSTAR BANK | * Branch (Domestic) | OakStar Bank, Springfield, Missouri, to establish a branch to be located at 1351 Riverfront Loop, Grand Junction, Colorado | 10/08/2025 | Not applicable |
* 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 | ||