Board of Governors of the Federal Reserve System

Frost Bank, San Antonio, Texas -- to establish a branch at 525 Main Street, Kerrville, Texas.
Approved: November 13, 2025

Armstrong Bank, Muskogee, Oklahoma -- to establish a branch at 8080 North Central Expressway, Dallas, Texas.
Approved: November 14, 2025

Commerce Bank, Kansas City, Missouri -- to establish a branch at 4401 Dr. Martin Luther King Jr. Boulevard, Kansas City, Missouri.*
Approved: November 6, 2025
*Addition

Commerce Bank, Kansas City, Missouri -- to establish a branch at 302 Southport Drive, Columbia, Illinois.*
Approved: November 6, 2025
*Addition

Commonwealth Business Bank, Los Angeles, California -- to establish a branch at 919 Keeaumoku Street, Honolulu, Hawaii.
Approved: November 14, 2025

Bank of Kilmichael, Kilmichael, Mississippi -- to establish a branch at 112 Lafayette Street, Starkville, Mississippi.
Approved: November 13, 2025

Colony Bankcorp, Inc., Fitzgerald, Georgia -- waiver of application to merge with TC Bancshares, Inc., and thereby indirectly acquire TC Federal Bank, both of Thomasville, Georgia, in connection with the merger of TC Federal Bank with and into Colony Bank, Fitzgerald, Georgia.
Granted: November 14, 2025

BOSP Bancshares, Inc., Sun Prairie, Wisconsin -- to acquire Banner Banks, Birnamwood, Wisconsin.
Approved: November 13, 2025

Fidelity Company, Dubuque, Iowa -- waiver of application to acquire Rake Bancorporation and thereby indirectly acquire State Savings Bank, both of Rake, Iowa, in connection with the merger of State Savings Bank with and into Fidelity Bank & Trust, Dubuque, Iowa.*
Granted: November 6, 2025
*Addition

Fidelity Company, Dubuque, Iowa -- waiver of application to acquire Frost State Bank, Frost, Minnesota, in connection with the merger of Frost State Bank with and into Fidelity Bank & Trust, Dubuque, Iowa.*
Granted: November 6, 2025
*Addition

Canandaigua National Corporation, Canandaigua, New York -- request for reconsideration of the Board's denial of its application to engage in making certain guarantees to acquire real property as an activity complementary to banking.
Denied: November 10, 2025

Southern Bancorp, Inc., Little Rock, Arkansas -- to acquire Ozarks Heritage Financial Group, Inc., Gainesville, Missouri, and thereby indirectly acquire Legacy Bank & Trust Company, Mountain Grove, Missouri.
Approved: November 10, 2025

CIBC Bank USA, Chicago, Illinois -- to make a public welfare investment.
Approved: November 13, 2025

Goldman Sachs Bank USA, New York, New York -- to acquire equity securities solely for the purpose of hedging risks derived from customer-driven equity derivative transactions.
Approved: November 14, 2025

Goldman Sachs Bank USA, New York, New York -- to make a public welfare investment.*
Approved: November 5, 2025
*Addition

Carroll County Bancshares, Inc., Carroll, Iowa -- Gretchen M. Gronstal Graff, T. Bernt Gronstal, and Joan M. Gronstal, all of Orleans, Iowa; Ingrid M. Gronstal, Iowa City, Iowa; Carol A. Gronstal, Carroll, Iowa; and Andrea Gronstal Benton, Madison, Wisconsin, to form the Gronstal Family Group, a group acting in concert, to retain the voting shares of Carroll County Bancshares, Inc., and thereby indirectly retain voting shares of Availa Bank, Carroll, Iowa.
Permitted: November 13, 2025

Resource Bancshares, Inc., Dekalb, Illinois -- the 2021 Katz Dynasty Trust and Richard J. Katz Irrevocable Trust, both of Milwaukee, Wisconsin; Peter J. Wilder, as trustee of both aforementioned trusts, Pewaukee, Wisconsin; and Kathleen Katz, DeKalb, Illinois, as members of the Katz Family Group, a group acting in concert, to acquire voting shares of Resource Bancshares, Inc., and thereby indirectly acquire voting shares of Resource Bank, National Association, DeKalb, Illinois.
Permitted: November 13, 2025

Southern Illinois Bancorp, Inc., Carmi, Illinois -- Southern Illinois Bancorp, Inc. Employee Stock Ownership Plan and Trust, Carmi, Illinois (ESOP); Sherri Nicole Roser, Enfield, Illinois, individually and as trustee of ESOP; Kara Kessler, Carmi, Illinois, individually and as trustee of ESOP; and Chris Bailey, Wayne City, Illinois, individually and as trustee of ESOP, to retain voting shares of Southern Illinois Bancorp, Inc., and thereby indirectly retain voting shares of The First National Bank of Carmi, Carmi, Illinois.
Permitted: November 12, 2025

Lending and Liquidity Facilities -- reports to Congress under section 13(3) of the Federal Reserve Act in response to COVID-19.
Approved: November 10, 2025

Hoyne Savings, MHC (Hoyne Savings), Chicago, Illinois -- waiver from certain sections of Regulation MM in connection with (1) the conversion of Hoyne Savings from mutual to stock form and its merger with and into Hoyne Financial Corporation and (2) the merger of Hoyne Financial Corporation with and into Hoyne Bancorp, Inc., a newly formed Maryland corporation, and the application for Hoyne Bancorp, Inc., to become a savings and loan holding company by acquiring Hoyne Savings Bank, all of Chicago, Illinois.*
Granted: November 6, 2025
*Addition