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 October 17, 2020

Filer

Filing Type

Filing Proposal

End of Comment Period

CULLEN/FROST BANKERS, INC.

CIC

Change in control notice filed by The Vanguard Group, Inc., and its subsidiaries and affiliates, Malvern, Pennsylvania, to acquire additional voting shares of Cullen/Frost Bankers, Inc., and thereby, indirectly acquire additional voting shares of Frost Bank, both of San Antonio, Texas

Newspaper:	10/24/2020
Federal Register:	10/27/2020

ORIGIN BANK

* Branch

Origin Bank, Choudrant, Louisiana, to establish a branch at 2501 Research Forest Drive, The Woodlands, Texas 77381

Newspaper:	10/22/2020
Federal Register:	Not applicable

RIVERBEND FINANCIAL CORPORATION

CIC

Barkat Ali, Southlake, Texas, Kevin Johnston, Pantego, Texas, Mike Farhat, Southlake, Texas, Judy Han, Houston, Texas, Wea Lee, Houston, Texas, Young Yoo, Dallas, Texas, Jeung-Ho Park, Irving, Texas, Clinton Dunn, Dallas, Texas, Andrew Park, Santa Clarita, California, and Mihir Patel, Coppell, Texas, as a group acting in concert, to control Riverbend Financial Corporation, and Spectra Bank, both of Fort Worth, Texas

Newspaper:	Not available
Federal Register:	08/13/2020

SPIRIT OF TEXAS BANCSHARES, INC.

CIC

Steven Gregory Kidd, Plano, Texas, individually, and Steven Gregory Kidd, Plano, Texas, as a member of a group acting in concert with Ashley Nicole Kidd Conley, Prosper, Texas, The Greg Kidd 2010 SOTB Trust, Plano, Texas, The Greg Kidd SOTB Inheritance Trust - A, Plano, Texas and The Greg and Shelly Kidd 2011 SOTB Trust, Plano, Texas intend to apply collectively to acquire 10 percent or more of the shares and thereby control of Spirit of Texas Bancshares, Inc., Conroe, Texas, and indirectly Spirit of Texas Bank, SSB, College Station, Texas.

Newspaper:	Not available
Federal Register:	Not available

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
NONE

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 October 17, 2020

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 11
Federal Reserve Bank of: Dallas