Board of Governors of the Federal Reserve System

Metropolitan Commercial Bank, New York, New York -- to establish a branch at 180 Lakeview Avenue, West Palm Beach, Florida.*
Approved: December 19, 2025
*Addition

United Community Bank, Greenville, South Carolina -- to establish a branch at 5880-5884 Sunset Drive, South Miami, Florida.
Approved: December 22, 2025

CS Bank, Eureka Springs, Arkansas -- to establish a branch at 310 North Olive Street, Harrison, Arkansas.
Approved: December 26, 2025

Lawrence Bancshares, Inc., Nashville, Tennessee -- waiver of filing requirement under section 3 of the Bank Holding Company Act to acquire and merge with F&M Financial Corporation and thereby indirectly acquire F&M Bank, both of Clarksville, Tennessee, in connection with the merger of F&M Bank with and into Volunteer Bank, Nashville, Tennessee.*
Granted: December 19, 2025
*Addition

SB Financial, Inc., Mount Juliet, Tennessee -- to become a bank holding company by acquiring outstanding shares of Southern Bank of Tennessee, Mt. Juliet, Tennessee.
Approved: December 23, 2025

Park National Corporation, Newark, Ohio -- waiver of filing requirement under section 3 of the Bank Holding Company Act to merge with First Citizens Bancshares, Inc., and thereby indirectly acquire First Citizens National Bank (FCNB), both of Dyersburg, Tennessee, in connection with the merger of FCNB with and into Park National Bank, Newark, Ohio.
Granted: December 23, 2025

Baldwin Bancshares, Inc., Baldwin City, Kansas -- to become a bank holding company by acquiring The Baldwin State Bank, Baldwin City, Kansas.
Approved: December 23, 2025

Bradford Bancorp, Inc., Greenville, Illinois -- to acquire State Bank of St. Jacob, St. Jacob, Illinois.
Approved: December 23, 2025

BancFirst, Oklahoma City, Oklahoma -- to merge with American Bank of Oklahoma, Collinsville, Oklahoma, and thereby establish branches in Oklahoma.
Approved: December 24, 2025

The Farmers Bank of Appomattox, Appomattox, Virginia -- to increase its investment in bank premises.
Approved: December 22, 2025

United Community Bancorp, Inc., Chatham, Illinois -- the Revocable Living Trust for Robert A. Narmont dated 12-23-1994, as amended, Robert A. Narmont as trustee, both of Naples, Florida, to retain the voting shares of United Community Bancorp, Inc., and thereby indirectly retain voting shares of United Community Bank of Chatham, Illinois.
Permitted: December 22, 2025

Citigroup Inc., New York, New York -- extension of time to conform or divest a merchant banking investment.
Granted: December 22, 2025

Community Reinvestment Act (CRA) Regulations -- interagency annual adjustments to the asset-size thresholds used to define "small bank" and "intermediate small bank" under the CRA regulations.
Approved: December 22, 2025

Reg I (Issue and Cancellation of Federal Reserve Bank Capital Stock) -- final rule to apply an inflation adjustment to the asset threshold at which banks are subject to different dividend rates for their Federal Reserve Bank capital stock.*
Approved: November 17, 2025
*Addition