Board of Governors of the Federal Reserve System

ChoiceOne Bank, Sparta, Michigan -- to establish a branch at 150 East Maple Road, Troy, Michigan.
Approved: October 28, 2025

Armstrong Bank, Muskogee, Oklahoma -- to establish a branch at 1425 East 41st Place, Tulsa, Oklahoma.
Approved: October 31, 2025

Armstrong Bank, Muskogee, Oklahoma -- to establish a branch at 3301 South Market Street, Rogers, Arkansas.
Approved: October 31, 2025

First Central Bancorp, Inc., Glen Cove, New York -- to become a bank holding company by acquiring First Central Savings Bank, Glen Cove, New York.
Approved: October 31, 2025

Grand Marais State Bank, Grand Marais, Minnesota -- to acquire by merger CenBank, Buffalo Lake, Minnesota, and thereby establish branches at the locations of Ortonville, Hutchinson, and Buffalo Lake, all of Minnesota.
Approved: October 27, 2025

Dysart Bancshares, Inc., Dysart, Iowa -- Richard A. Griffin, Dysart, Iowa, as a member of the Griffin Family Group, a group acting in concert, to acquire voting shares of Dysart Bancshares, Inc., and thereby indirectly retain voting shares of Dysart State Bank, Dysart, Iowa.
Permitted: October 29, 2025

First National Bank Corp., Cloverdale, Indiana -- The Estate of Keith M. Ernst, Cloverdale, Indiana, Jane Ernst as executor, Cloverdale, Indiana; Cynthia E. Prather, Franklin, Indiana; Cynthia E. Prather IRA, Cynthia E. Prather, beneficiary, Franklin, Indiana; Kerry N. Prather, Franklin, Indiana; Katherine J. Gillaspy, Spencer, Indiana; Robert K. Prather, Indianapolis, Indiana; Katrina Lewis, Cloverdale, Indiana; Katrina Lewis Custodial IRA, Katrina Lewis, beneficiary, Cloverdale, Indiana; Michael Todd Lewis, Cloverdale, Indiana; Michael Todd Lewis IRA, Michael Todd Lewis, beneficiary, Cloverdale, Indiana; Sara E. Johnson, West Lafayette, Indiana, individually and on behalf of minor children; and Jenna Marie Lanham, Cloverdale, Indiana, individually and on behalf of minor children, to join the Ernst Family Control Group, a group acting in concert, and retain voting shares of First National Bank Corp. and indirectly retain voting shares of First National Bank, Cloverdale, Indiana. Additionally, the Keith M. Ernst Revocable Trust, Cloverdale, Indiana, Jane E. Ernst, Cloverdale, Indiana, Katrina Lewis, Cloverdale, Indiana, and Cynthia E. Prather, Franklin, Indiana, as trustees; The Keith M. Ernst Bank Stock Credit Shelter Trust, Jane E. Ernst, Cloverdale, Indiana, Katrina Lewis, Cloverdale, Indiana, and Cynthia E. Prather, Franklin, Indiana, as trustees; and The Jane E. Ernst Bank Share Trust, Jane E. Ernst, Cloverdale, Indiana, Katrina Lewis, Cloverdale, Indiana, and Cynthia E. Prather, Franklin, Indiana, as trustees, to join the Ernst Family Control Group, a group acting in concert, and acquire voting shares of First National Bank Corp. and thereby indirectly acquire voting shares of First National Bank, Cloverdale, Indiana.
Permitted: October 29, 2025

UBT Bancshares, Inc., Marysville, Kansas -- Leonard R. Wolfe, Frankfort, Kansas, individually, and as a trust committee member of UBT Bancshares, Inc., ESOP, Marysville, Kansas; the Leonard R. Wolfe Trust, Leonard R. Wolfe and Beth A. Wolfe, individually, and as co-trustees, and the Beth A. Wolfe Trust, Beth A. Wolfe and Leonard R. Wolfe, individually, and as co-trustees, all of Frankfort, Kansas; the Dellamano Family Trust, Anthony Dellamano and Jenna Wolfe, individually, and as co-trustees, all of Solana Beach, California; Joseph T. Massey and Peggy Massey, both of Cedar Vale, Kansas; Kellie Lamasters, Kansas City, Missouri; Randall Lamasters and Lana Lamasters, both of Chanute, Kansas; Nicholas Wolfe, Rylee Wolfe, and Sherri L. Edmundson, all of Marysville, Kansas; Ryan C. Edmundson, Marion, Kansas; Mackenzie M. Cyr, Clyde, Kansas; and Vivian S. Shaw, Sedan, Kansas, to become members of the Wolfe Family Group, a group acting in concert, to retain voting shares of UBT Bancshares, Inc., and thereby indirectly retain voting shares of United Bank and Trust, Marysville, Kansas.
Permitted: October 29, 2025

Cardinal Bancorp II, Inc., Washington, Missouri -- 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 12-012020, 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, and others 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.
Permitted: October 27, 2025

Cardinal Bancorp, Inc., Maplewood, Missouri -- 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, and others 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, Maplewood, Missouri.
Permitted: October 27, 2025

OceanPoint Financial Partners, MHC, Middletown, Rhode Island -- election to become a financial holding company.
Effective: October 30, 2025

Carter Bankshares, Inc., Martinsville, Virginia -- election to become a financial holding company.
Effective: October 27, 2025