Board of Governors of the Federal Reserve System

First Bank, Strasburg, Virginia -- to establish a branch at 6701 Courthouse Landing Lane, Chesterfield, Virginia.
Approved: January 14, 2026

Costellis International Limited, Tortola, British Virgin Islands; Inter & Co, Inc., and Banco Inter S.A., both of Minas Gerais, Brazil -- in connection with the establishment of a state-licensed foreign branch, to continue to engage in certain permissible nonbanking activities through Inter & Co, Inc.'s, subsidiary holding company, Inter US Holding Inc., Miami, Florida, its subsidiaries, Inter & Co Securities LLC, Inter US Finance LLC, Inter US Management LLC, and Inter & Co US Advisors LLC, all of Miami, Florida, as well as through Banco Inter S.A.'s subsidiary, Inter & Co Payments, Inc., Miami, Florida.
Approved: January 16, 2026

Pinnacle Financial Corporation, Elberton, Georgia -- to merge with Morris State Bancshares, Inc., and thereby indirectly acquire Morris Bank, both of Dublin, Georgia.
Approved: January 14, 2026

First Merchants Corporation, Muncie, Indiana -- waiver of filing requirement under section 3 of the Bank Holding Company Act to acquire First Savings Financial Group, Inc., and thereby indirectly acquire First Savings Bank, both of Jeffersonville, Indiana, in connection with the merger of First Savings Bank with and into First Merchants Bank, Muncie, Indiana.
Granted: January 15, 2026

Farmers National Banc Corp., Canfield, Ohio -- waiver of filing requirement under section 3 of the Bank Holding Company Act to acquire Middlefield Banc Corp. and thereby indirectly acquire The Middlefield Banking Company, both of Middlefield, Ohio, in connection with the merger of Middlefield Bank with and into The Farmers National Bank of Canfield, Canfield, Ohio.
Granted: January 16, 2026

Stearns Financial Services, Inc. Employee Stock Ownership Plan and Trust, Saint Cloud, Minnesota -- to acquire voting shares of Stearns Financial Services, Inc., and thereby indirectly acquire voting shares of Stearns Bank National Association, Saint Cloud, Minnesota.
Approved: January 13, 2026

Reliable Community Bancshares, Inc., Perryville, Missouri -- to acquire M1 Bancshares, Inc., and thereby indirectly acquire M1 Bank, both of Clayton, Missouri. In addition, BN1 Acquisition Corp., Perryville, Missouri, an interim subsidiary, to merge with M1 Bancshares, Inc., and incident thereto, become a bank holding company by acquiring M1 Bank.
Approved: January 14, 2026

Putnam County Bank, Hurricane, West Virginia -- to increase its investment in bank premises.
Approved: January 12, 2026

First Southwest Bank, Alamosa, Colorado -- Jennifer J. Ostenson, Longmont, Colorado, to retain voting shares of First Southwest Bancorporation, Inc. (Company), and thereby indirectly retain voting shares of First Southwest Bank (Bank), Alamosa, Colorado. In addition, Robert C. Hummel Bank Stock Marital Trust, Jennifer J. Ostenson, trustee, Longmont, Colorado, to join the Hummel Family Group, a group acting in concert, to retain voting shares of Company and thereby indirectly retain voting shares of Bank.
Permitted: January 13, 2026

PBT Bancshares, Inc., McPherson, Kansas -- Marcus Houghton Legacy Trust Dated May 8, 2025 (Trust), and Marcus Houghton, as trustee, both of Wichita, Kansas, and Wise & Reber, L.C., McPherson, Kansas, as trust protector, to acquire voting shares of PBT Bancshares, Inc., and thereby indirectly acquire voting shares of Peoples Bank and Trust Company, both of McPherson, Kansas. In addition, the Trust to join the Houghton Family Group, a group acting in concert. Marcus Houghton and Wise & Reber, L.C. have been previously approved as members of the Houghton Family Group.
Permitted: January 13, 2026

Genesis Bancorp, Inc., Benoit, Mississippi -- Heath O'Brien Jenkins, Madison, Mississippi, to acquire voting shares of Genesis Bancorp, Inc., and thereby indirectly acquire voting shares of Genesis Bank, Benoit, Mississippi.
Withdrawn: January 14, 2026

Oak Tree Financial Corporation, Inc., Rogers, Arkansas -- Bedford Holdings, LLLP, Emily Nadeau and Jason Nadeau as co-managing general partners, all of Little Rock, Arkansas, to join the Eldridge Family Control Group, a group acting in concert, to acquire voting shares of Oak Tree Financial Corporation, Inc., and thereby indirectly acquire voting shares of Riverside Bank, Sparkman, Arkansas.
Permitted: January 13, 2026

Steel Newco Inc. (Steel), Peachtree Corners, Georgia -- extension of time to comply with certain regulatory and reporting requirements, in connection with Steel becoming a bank holding company by merging with Synovus Financial Corp., Columbus, Georgia, and Pinnacle Financial Partners, Nashville, Tennessee.*
Granted: December 31, 2025
*Addition

J.P. Morgan International Finance Limited (JPMF), New York, New York -- JPMorgan Chase & Co, New York, New York, on behalf of its wholly owned Edge Act corporation subsidiary, JPMF, to amend its articles of association to change JPMF's home office from 383 Madison Avenue, New York, New York, to 270 Park Avenue, New York, New York, pursuant to section 211.5(c) of Regulation K and 25A of the Federal Reserve Act.*
Approved: January 9, 2026
*Addition

Huntington Bancshares Incorporated, Columbus, Ohio -- to make certain capital distributions under the capital plan rule.
Approved: January 13, 2026