Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received
District 11: Federal Reserve Bank of Dallas PDF
Filings received during the week ending June 27, 2026
| Filer | Filing Type | Filing Proposal | End of Comment Period | |
|---|---|---|---|---|
| Newspaper | Federal Register | |||
| ATHENS, TX BANCSHARES, INC. | Change in Bank Control | Austin Family Trust B, Jeff Austin, Jr. as trustee, both of Jacksonville, Texas, to join the Austin/Chapman Family Group, a group acting in concert, and acquire voting shares of Athens, TX Bancshares, Inc., and thereby indirectly acquire voting shares of First State Bank, both of Athens, Texas. | 07/07/2026 | 07/16/2026 |
| AUSTIN BANCORP, INC. | Change in Bank Control | Austin Family Trust B, Jeff Austin, Jr. as trustee, both of Jacksonville, Texas; JML Trust, Mary Margaret Austin, as trustee, both of Jacksonville, Texas; and LAPA Trust, Carole Leigh Austin Mattson, as trustee, both of Georgetown, Texas; to join the Austin/Chapman Family Group, a group acting in concert, and acquire voting shares of Austin Bancorp, Inc., and thereby indirectly acquire voting shares of Austin Bank, Texas National Association, both of Jacksonville, Texas. | 07/07/2026 | 07/16/2026 |
| CAPITAL BANCORP, INC. | Change in Bank Control | Austin Family Trust B, Jeff Austin, Jr. as trustee, both of Jacksonville, Texas; to join the Austin/Chapman Family Group, a group acting in concert, to acquire voting shares of Capital Bancorp, Inc., Jacinto City, Texas, and thereby indirectly acquire voting shares of Capital Bank, Houston, Texas. In addition, JML Trust, Mary Margaret Austin, as trustee, both of Longmont, Colorado; LAPA Trust, Carole Leigh Austin Mattson, as trustee, both of Littleton, Colorado; Jessica Leigh Neill Swinnea, Chandler, Texas; and Austin Kyle Neill, Dallas, Texas; to join the Austin/Chapman Family Control Group, a group acting in concert, to retain voting shares of Capital Bancorp, Inc., and thereby indirectly retain voting shares of Capital Bank. | 07/14/2026 | 07/16/2026 |
| STERLING CITY BANCSHARES, INC. | Change in Bank Control | William Horwood, Lonnie Horwood, Tristan Himes, Katlin Horwood, Tate Horwood, Larry Horwood, Linda Horwood, Lathen Horwood, Lane Horwood, Carly Horwood Janca, Trisha Horwood Halfmann, Lyle Horwood, Lisa Horwood Spanjer, Laura Bibb, and Ellen Shoemaker a group acting in concert to retain and acquire voting shares of Sterling City Bancshares, Inc., and thereby indirectly control of The First National Bank of Sterling City, both of Sterling City, Texas. | Not available | Not available |
* Subject to the provisions of the Community Reinvestment Act
Availability of CRA Public Evaluations
The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.
The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.
A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.
Federal bank regulators use the following performance levels to rate an institution's performance under CRA:
O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available.
| Institution / Location | RSSD ID | Exam Date | CRA Public Date | CRA Rating | Exam Method |
|---|---|---|---|---|---|
| AMERICAN ST BK, ARP, TEXAS | 262358 | 05/08/2026 | 01/12/2026 | S | Int Small Bank |
| BANK & TR SSB, DEL RIO, TEXAS | 623454 | 07/18/2025 | 03/10/2025 | S | Int Small Bank |
| BENCHMARK BK, PLANO, TEXAS | 980960 | 11/30/2025 | 08/04/2025 | S | Int Small Bank |
| CIERA BK, GRAHAM, TEXAS | 327855 | 08/28/2025 | 04/28/2025 | S | Int Small Bank |
| PEGASUS BK, DALLAS, TEXAS | 3465392 | 05/02/2025 | 11/18/2024 | S | Int Small Bank |
| TXN BK, HONDO, TEXAS | 77253 | 10/13/2025 | 06/02/2025 | S | Int Small Bank |
| WORTHINGTON BK, ARLINGTON, TEXAS | 3150205 | 08/02/2025 | 04/07/2025 | S | Int Small Bank |
CRA Examinations scheduled for Quarter of
| Institution | Location | Quarter |
|---|---|---|
| NONE | ||