Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received
District 12: Federal Reserve Bank of San Francisco PDF
Filings received during the week ending October 17, 2026
| Filer | Filing Type | Filing Proposal | End of Comment Period | |
|---|---|---|---|---|
| Newspaper | Federal Register | |||
| STATE BANCORP NORTHWEST | Change in Bank Control | Gregory S. Deckard, Spokane, Washington; to acquire additional voting shares of State Bancorp Northwest, and thereby indirectly acquire voting shares of State Bank Northwest, both of Spokane Valley, Washington. | Not available | 10/23/2026 |
| Upstart Holdings, Inc. | * 3A1 Listed Going Concern Election (Domestic) | Upstart Holdings, Inc., Burlingame, California, to become a bank holding company by acquiring Upstart Bank, National Association, Wilmington, Delaware, and to retain UP SP Gemini JV LLC, Dover, Delaware; Upstart Network, Inc., ACM Uprise Direct Borrower Trust II, ACM Uprise Direct Purchaser Trust, ACM Upstart Uprise 2024 JV LLC, BOAC ACM Uprise GS Pledgor LLC, BOAC Up Owl Night E 2025 JV LLC, BOAC Up Owl Night E Purchaser Trust, CB UNI Consumer Intermediate LLC, CB UNI Consumer JV LLC, CB UNI Consumer Trust, CB UNI Flow Intermediate LLC, CB UNI Flow JV LLC, CB UNI Flow Trust, CF UPST Holdings 2 LLC, CF UPST Holdings LLC, CF UPST Trust, CF UPST Trust 2, CF USPL Trust 2026-1, Mars Downstop Loan Holding Trust, Mars Downstop Loan Holding Trust II, Mars Downstop Loan Holding Trust II-B, Mars Downstop Loan Holding Trust II-C, Mars Downstop Loan Holding Trust II-D, Mars Downstop Loan Holding Trust II-E, Mars Downstop Loan Purchaser Trust, Mars Downstop Loan Purchaser Trust II, UAT III Depositor Trust, UAT IV Depositor Trust, UAT IV Grantor Trust, Series 2026-A1, UP Da Vinci JV LLC, UP Da Vinci Purchaser Trust, UP Dogwood Trust, UP Green Ash Trust, UP Juniper JV LLC, UP Juniper Purchaser Trust, UP Michelangelo Trust, UP Palm Trust, UP Raphael Trust, UP SP Gemini Funding Trust, UP SP Gemini Purchaser Trust, Upstart Asset Trust III, Upstart Asset Trust IV, Upstart Auto Trust, Upstart Auto Warehouse Trust 2, Upstart Auto, LLC, Upstart Funding Grantor Trust 2023-2, Upstart Funding Grantor Trust 2023-3, Upstart Funding Grantor Trust 2024-1, Upstart Funding Grantor Trust 2025-1, Upstart Funding Grantor Trust 2025-2, Upstart Funding Grantor Trust 2025-3, Upstart Funding Grantor Trust 2025-4, Upstart Funding Grantor Trust 2026-1, Upstart Funding Grantor Trust 2026-2, Upstart Funding Grantor Trust 2026-3, Upstart Funding Grantor Trust 2026-4, Upstart Funding II, LLC, Upstart Funds GP, LLC, Upstart Gemini Reserve Trust, Upstart HELOC Borrower I, LLC, Upstart HELOC Trust, Upstart Loan Trust, Upstart Loan Trust 2, Upstart Network Trust, Upstart Purchaser Trust, Upstart RR Funding 2019-1, LLC, Upstart RR Funding 2019-2, LLC, Upstart Securitization Trust 2023-2, Upstart Securitization Trust 2023-3, Upstart Securitization Trust 2024-1, Upstart Securitization Trust 2025-1, Upstart Securitization Trust 2025-2, Upstart Securitization Trust 2025-3, Upstart Securitization Trust 2025-4, Upstart Securitization Trust 2026-1, Upstart Securitization Trust 2026-2, Upstart Securitization Trust 2026-3, Upstart Securitization Trust 2026-4, Upstart Small Dollar Loan Trust, Upstart Ursa Trust, Upstart Ursa Trust II, Upstart Ursa Trust III, Upstart Ursa Trust IV, Virgo Reserve Trust, WUP Auto Copia LLC, and WUP Auto Copia Purchaser Trust, all of Wilmington, Delaware, and thereby continue to extend credit and service loans pursuant to section 225.28(b)(1), engage in asset management, servicing, and collection activities pursuant to section 225.28(b)(2)(vi), and engage in data processing, storing, and furnishing services pursuant to section 225.28(b)(14)(i)(A) of Regulation Y. | 11/01/2026 | 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 |
|---|---|---|---|---|---|
| COMMENCEMENT BK, TACOMA, WASHINGTON | 3537897 | 03/09/2026 | 10/06/2025 | S | Int Small Bank |
| COMMERCEWEST BK, IRVINE, CALIFORNIA | 3052813 | 06/14/2025 | 02/24/2025 | S | Int Small Bank |
| CORNERSTONE CMNTY BK, RED BLUFF, CALIFORNIA | 3485420 | 08/29/2025 | 05/12/2025 | S | Int Small Bank |
| DBA OR PACIFIC BK, FLORENCE, OREGON | 160360 | 05/28/2026 | 01/12/2026 | S | Int Small Bank |
| MISSION BK, BAKERSFIELD, CALIFORNIA | 2736714 | 11/02/2025 | 07/07/2025 | O | Int Small Bank |
CRA Examinations scheduled for Quarter of
| Institution | Location | Quarter |
|---|---|---|
| NONE | ||
Last Update: October 22, 2026