Board of Governors of the Federal Reserve System

Frost Bank, San Antonio, Texas -- to establish a branch at 202 East Irving Boulevard, Irving, Texas.
Approved: December 18, 2025

The First Bank and Trust Company, Lebanon, Virginia -- to establish a branch at 200 Forest Hills Road NW, Wilson, North Carolina, and to increase its investment in bank premises.
Approved: December 16, 2025

First Community Bank, Bluefield, Virginia -- to establish a branch at 150 Virginia Avenue, Wytheville, Virginia.
Approved: December 19, 2025

Century Bancorp, Inc., Milledgeville, Georgia -- waiver of filing requirement under section 3 of the Bank Holding Company Act to acquire Wrightsville Bancshares, Inc., and Bank of Wrightsville, both of Wrightsville, Georgia, in connection with the merger of Bank of Wrightsville with and into Century Bank & Trust, Milledgeville, Georgia.
Granted: December 15, 2025

Mercantile Bank Corporation, Grand Rapids, Michigan -- to acquire Eastern Michigan Financial Corporation and thereby indirectly acquire Eastern Michigan Bank, both of Croswell, Michigan.
Approved: December 16, 2025

University Bancorp, Inc., Ann Arbor, Michigan -- to acquire voting shares of Greater Pacific Bancshares and thereby indirectly acquire voting shares of Bank of Whittier, National Association, both of Whittier, California.
Approved: December 19, 2025

East Texas Financial Corporation, Kilgore, Texas -- to acquire Texas National Bancorporation and thereby indirectly acquire Texas National Bank of Jacksonville, both of Jacksonville, Texas.
Approved: December 18, 2025

The Norinchukin Bank, Tokyo, Japan -- relief from a commitment.*
Granted: December 10, 2025
*Addition

Reconsideration of Board action -- request for reconsideration of the Board's approval for (1) Steel Newco, Inc., Peachtree Corners, Georgia, to become a bank holding company by merging with Synovus Financial Corp., Columbus, Georgia, and Pinnacle Financial Partners, Inc., Nashville, Tennessee, and thereby indirectly acquiring Synovus Bank, Columbus, Georgia, and Pinnacle Bank, Nashville, Tennessee; (2) Pinnacle Bank to become a member of the Federal Reserve System; (3) Pinnacle Bank to merge with Synovus Bank; and (4) Pinnacle Bank to establish and operate branches at the location of the main office and branches of Synovus Bank.
Denied: December 17, 2025

Rhinebeck Bancorp, Inc., Poughkeepsie, New York -- to conduct a minority stock issuance.*
Approved: December 3, 2025
*Addition

First Financial Bancorp, Cincinnati, Ohio -- waiver of filing requirement under section 3 of the Bank Holding Company Act to acquire by merger BankFinancial Corporation, Burr Ridge, Illinois, and thereby indirectly acquire BankFinancial, National Association, Olympia Fields, Illinois.*
Granted: December 12, 2025
*Addition

FB Corporation, Creve Coeur, Missouri -- request by FB Corporation and two former affiliates, Investors of America, LP, and First Securities America, Inc., both of Clayton, Missouri, for relief from certain commitments
Granted: December 17, 2025

Cornerstone Bank, Spencer, Massachusetts -- to merge with Athol Savings Bank, Athol, Massachusetts, with Cornerstone Bank as the resulting institution, and thereby establish branches at the locations of Athol Savings Bank.
Approved: December 15, 2025

First Financial Bank, Cincinnati, Ohio -- to merge with BankFinancial, National Association (BankFinancial), Olympia Fields, Illinois, and to establish branches at the locations of the main office and branches of BankFinancial.*
Approved: December 12, 2025
*Addition

Charles Schwab Bank, SSB, Westlake, Texas -- to make a public welfare investment.*
Approved: December 9, 2025
*Addition

Comerica Bank, Dallas, Texas -- to make a public welfare investment.
Approved: December 16, 2025

First Horizon Bank, Memphis, Tennessee -- to make a public welfare investment.
Approved: December 18, 2025

EWSB Bancorp, Inc., Kaukauna, Wisconsin -- Kory J. Schneider, Carrie A. Schneider, Roger J. Schneider, Georgiana L. Schneider, Kari Burns, Kim Willison, and Linda Schneider to acquire voting shares of EWSB Bancorp, Inc., and thereby indirectly acquire voting shares of East Wisconsin Savings Bank, Kaukauna, Wisconsin.
Permitted: December 19, 2025

EWSB Bancorp, Inc., Kaukauna, Wisconsin -- Charles D. Schmalz to acquire voting shares of EWSB Bancorp, Inc., and thereby indirectly acquire voting shares of East Wisconsin Savings Bank, Kaukauna, Wisconsin.
Permitted: December 19, 2025

FNB BanShares, Inc., West Union, Iowa -- Brian David Reichter, Hawkeye, Iowa, individually and as co-trustee of The Bank 1st Employee Stock Ownership Plan (ESOP), West Union, Iowa, to acquire control of voting shares of FNB BanShares, Inc. (FNB), and thereby indirectly acquire Bank 1st (Bank), West Union, Iowa; and together with ESOP, Tobin Lee Britt, West Union, Iowa, individually and as co-trustee of ESOP; Shannon Sue Schissel, West Union, Iowa, as co-trustee of ESOP; Kimberly Kay Reichter, Hawkeye, Iowa; and Cheryl Ann Reichter, Elkader, Iowa, all a group acting in concert, to acquire voting shares of FNB and thereby indirectly acquire Bank.
Permitted: December 19, 2025

Security Financial, Inc., Farnhamville, Iowa -- Todd M. Madson Family Trust Dated May 21, 2024, Jefferson, Iowa; Cheri S. Delay, Jefferson, Iowa; Mark S. Larson, Rushford, Minnesota; Pamela S. Larson, Nashville, Tennessee; Lucus J. Lautner, Urbandale, Iowa; Michael T. Licht, Fort Dodge, Iowa; Bret A. Madson, Jefferson, Iowa; Marie A. Madson Trust, Fairfax Station, Virgina; Roxanne L. Madson, Lee's Summit, Missouri; and Debra L. Swift, Warren, Connecticut, to retain voting shares of Security Financial, Inc., and thereby indirectly retain voting shares of Security Savings Bank, Gowrie, Iowa.
Permitted: December 19, 2025

Peoples National Bancshares, Inc., New Lexington, Ohio -- Larry Lindamood as an individual and in his capacity as trustee of The Lindamood Family Trust and the lntervivos Trust of Marvin A. Lindamood, New Lexington, Ohio; Maeanna Lindamood in her capacity as trustee of The Lindamood Family Trust, New Lexington, Ohio; Patricia Weese as an individual and in her capacity as trustee of the lntervivos Trust of Marvin A. Lindamood, New Lexington, Ohio; Ashley Nash, New Lexington, Ohio; Christopher Weese, New Lexington, Ohio; and Phillip Weese, San Diego, California, to retain outstanding shares of and thereby control Peoples National Bancshares, Inc., and indirectly control Peoples State Bank, New Lexington, Ohio.
Permitted: December 18, 2025

Warren Bank and Trust Company, Warren, Arkansas -- Maribeth Moore Frazer, Warren, Arkansas, to acquire voting shares of Warren Bank and Trust Company.
Permitted: December 18, 2025

A.N.B. Holding Company, Ltd., Terrell, Texas -- extension of time to acquire additional voting shares of The ANB Corporation and thereby indirectly acquire The American National Bank of Texas, both of Terrell, Texas.*
Granted: December 8, 2025
*Addition

Total Loss-Absorbing Capacity (TLAC) Rule -- extension of time for Bank of America Corporation, Wells Fargo & Company, Citigroup Inc., The Goldman Sachs Group, Inc., JPMorgan Chase & Company, and Morgan Stanley to comply with the TLAC rule's clean holding company provisions with respect to certain covered agreements.
Granted: December 19, 2025

Total Loss-Absorbing Capacity (TLAC) Rule -- extension of time for The Bank of New York MellonCorporation and State Street Corporation to comply with the TLAC rule's clean holding company provisions with respect to certain covered agreements.
Granted: December 19, 2025

JamesMark Bancshares, Inc., Springfield, Missouri -- election to become a financial holding company.
Effective: December 17, 2025

Morgan Stanley Bank, N.A., Salt Lake City, Utah -- determination that a proposed internal reorganization whereby Morgan Stanley Bank, N.A., would acquire the fixed income derivatives business of Morgan Stanley Capital Services LLC, New York, New York, would be in the public interest and consistent with the purposes of section 23A of the Federal Reserve Act.*
Approved: December 12, 2025
*Addition