Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 11
Federal Reserve Bank of: Dallas

Filings received during the week ending July 21, 2018

Filer

Filing Type

Filing Proposal

End of Comment Period

COMERICA BANK

* Branch

Application by Comerica Bank, Dallas, Texas, to establish a branch at 2 Riverway Drive, Suite 160, Houston, Texas 77056.

Newspaper:	Not available
Federal Register:	Not applicable

INDEPENDENT BANK GROUP, INC.

* 3A5

Application by Independent Bank Group, Inc., McKinney, Texas, to acquire 100 percent of Guaranty Bancorp, and indirectly Guaranty Bank and Trust Company, both of Denver, Colorado.

Newspaper:	07/30/2018
Federal Register:	07/26/2018

KEYSTONE ACQUISITIONS, INC.

* 3A1

Application by Keystone Acquisitions, Inc., Driftwood, Texas, to become a bank holding company by acquiring 100 percent of Ballinger National Bank, Ballinger, Texas.

Newspaper:	Not available
Federal Register:	08/07/2018

LAGUNA MADRE BANCSHARES, INC.

CIC

Notice by Richard Franke, Bayview, Texas, and Dennis Franke, Brownsville, Texas, each individually, to acquire and control 25 percent or more of the shares and thereby control of Laguna Madre Bancshares, Inc., and First National Bank, both located in South Padre Island, Texas; Retroactive notice by The McDaniel Nevada Irrevocable Trust, Fort Worth, Texas, Barbara McDaniel, Fort Worth, Texas, Trustee for The McDaniel Nevada Irrevocable Trust, the Estate of Melvin H. Chapman, South Padre Island, Texas, Stewart Chapman, Wichita Falls, Texas, Executor for the Estate of Melvin H. Chapman, Trevor Franke, Frisco, Texas, Denise Franke Yeary, Dallas, Texas, Richard Franke, Jr., John P. Franke, and Kevin C. Franke, all of Bayview, Texas, to join the group acting in concert previously approved on February 7, 1997, under Section 3 of the Bank Holding Company Act ("the 1997 Group") and for this newly reconfigured group acting in concert to retain control of greater than 25 percent of Laguna Madre Bancshares, Inc.

Newspaper:	Not available
Federal Register:	08/06/2018

VBT FINANCIAL CORPORATION

* 18C
* Branch
* 3A1
* 3A3

Applications by VBT Financial Corporation, San Antonio, Texas, to become a bank holding company through the acquisition of 100 percent of the stock of Vantage Bank Texas, San Antonio, Texas, and to acquire 100 percent of the stock of Inter National Bank, McAllen, Texas; Vantage Bank Texas to acquire by merger Inter National Bank and to establish all offices of Inter National Bank as branches of Vantage Bank Texas.

Newspaper:	Not available
Federal Register:	08/01/2018

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
FIRST BK, MULESHOE, TEXAS	946461	11/17/2014	07/16/2018	S	Small Bank
TEXAS CMNTY BK, LAREDO, TEXAS	528960	05/27/2014	07/19/2018	S	Int Sm Bank

CRA Examinations scheduled for Quarter of

Institution	Location	Quarter
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 11 Federal Reserve Bank of: Dallas

Filings received during the week ending July 21, 2018

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 11
Federal Reserve Bank of: Dallas