Public Information Documents

Actions taken by the Federal Reserve Bank of St. Louis under delegated authority

Bank Branches, Domestic
The Bank of Fayette County, Piperton, Tennessee -- to establish a branch at 1624 U.S. Highway 51 South, Covington, Tennessee.
- Approved, November 21, 2024
Chambers Bank, Danville, Arkansas -- to establish a branch at 3131 Turtle Creek Boulevard, Dallas, Texas.
- Approved, October 30, 2024
Decatur County Bank, Decaturville, Tennessee -- to establish a branch at 7505 Capital Drive, Germantown, Tennessee.
- Approved, October 23, 2024
MA Bank, Macon, Missouri -- to establish a branch at 2022 North Baltimore Street, Kirksville, Missouri.
- Approved, October 11, 2024
Peoples Bank of Altenburg, Altenburg, Missouri -- to establish a branch at 750 South Perryville Boulevard, Perryville, Missouri.
- Approved, October 9, 2024
The Central Trust Bank, Jefferson City, Missouri -- to establish a branch at 2 Old Williamsburg Parkway, Wentzville, Missouri.
- Approved, October 8, 2024
Armor Bank, Forrest City, Arkansas -- to establish a branch at 16107 Chenal Parkway, Little Rock, Arkansas.
- Approved, September 4, 2024
First Choice Bank, Pontotoc, Mississippi -- to establish a branch at 3212 Goodman Road East, Southaven, Mississippi.
- Approved, August 1, 2024
Citizens Bank & Trust Company, Van Buren, Arkansas -- to establish a branch at 120 North Main Street, Mulberry, Arkansas.
- Approved, June 25, 2024
The Central Trust Bank, Jefferson City, Missouri -- to establish a branch at 15892 South Ridgeview Road, Olathe, Kansas.
- Approved, June 21, 2024
The Central Trust Bank, Jefferson City, Missouri -- to establish a branch at 9505 Ambassador Street, Lenexa, Kansas.
- Approved, June 21, 2024
Southern Bank, Poplar Bluff, Missouri -- to establish a branch at 5228 South Lindbergh Boulevard, [St. Louis, Missouri.]
- Approved, May 24, 2024
Southern Bank, Poplar Bluff, Missouri -- to establish a branch at 5228 South Lindbergh Boulevard, [St. Louis,] Missouri.
- Returned, May 1, 2024
Relyance Bank, White Hall, Arkansas -- to establish a branch at 100 West Carpenter Street, [Benton, Arkansas.]
- Approved, February 28, 2024
OakStar Bank, Springfield, Missouri -- to establish a branch at 605 West Aven Avenue, Nixa, Missouri.
- Approved, February 1, 2024
Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 145 East Highway 76, Anderson, Missouri.
- Approved, January 5, 2024
Bank Holding Companies
German American Bancorp, Inc., Jasper, Indiana -- waiver of application to acquire Heartland BancCorp, Whitehall, Ohio, and simultaneously merge Heartland Bank, Whitehall, Ohio, with and into German American Bank, Jasper, Indiana.
- Granted, October 22, 2024
Farmers Bancorp, Inc., Blytheville, Arkansas -- waiver of application to acquire Piggott Bankstock, Inc., Piggott, Arkansas, in connection with the merger of Piggott State Bank, Piggot, Arkansas, with and into Farmers Bank and Trust Company, Blytheville, Arkansas.
- Granted, September 26, 2024
Central Bancshares, Inc., Little Rock, Arkansas -- to become a bank holding company by acquiring Central Bank, Little Rock, Arkansas.
- Approved, September 12, 2024
First Breckinridge Bancshares, Inc., Irvington, Kentucky -- to acquire First Kentucky Holding Company, LLC, Louisville, Kentucky, and thereby engage in activities that may be performed by a trust company pursuant to section 225.28(b)(5) of the Board's Regulation Y.
- Approved, July 30, 2024
Arlo Financial Holdings, Inc., Springfield, Missouri -- to become a bank holding company by acquiring Systematic Savings Bank, Springfield, Missouri.
- Approved, July 24, 2024
Drew Bancshares, Inc., Monticello, Arkansas -- waiver of application to merge with Bradley Bancshares, Inc., and thereby indirectly acquire First State Bank of Warren, both of Warren, Arkansas, in connection with the merger of First State Bank of Warren with and into Commercial Bank & Trust Company, Monticello, Arkansas.
- Granted, May 14, 2024
LBT Bancshares, Inc., Litchfield, Illinois -- waiver of application to merge with Security Bancshares, Inc., and thereby indirectly acquire Security National Bank, both of Witt, Illinois, in connection with the merger of Security National Bank with and into Bank & Trust Company, Litchfield, Illinois.
- Granted, April 29, 2024
Lincoln County Bancorp, Inc., Troy, Missouri -- to acquire additional voting shares of Kahoka State Bank, Kahoka, Missouri.
- Approved, March 7, 2024
Old National Bancorp, Evansville, Indiana -- to acquire CapStar Financial Holdings, Inc., and thereby indirectly acquire CapStar Bank, both of Nashville, Tennessee.
- Approved, February 20, 2024
Guaranty Capital Corporation, Belzoni, Mississippi -- to acquire through merger Lafayette Bancorp, Inc., and thereby indirectly acquire Oxford University Bank, both of Oxford, Mississippi.
- Approved, January 16, 2024
Lincoln County Bancorp, Inc., Troy, Missouri -- to acquire voting shares of Kahoka State Bank, Kahoka, Missouri.
- Approved, January 5, 2024
Bank Mergers
Farmers Bank and Trust Company, Blytheville, Arkansas -- to merge with Piggott State Bank, Piggott, Arkansas, and thereby establish branches at the locations of Piggott State Bank's main office and branches.
- Approved, September 26, 2024
Exchange Bank of Northeast Missouri, Kahoka, Missouri -- to merge with Kahoka State Bank, [Kahoka, Missouri.]
- Approved, August 16, 2024
OakStar Bank, Springfield, Missouri -- to purchase certain assets and assume certain liabilities of Riverstone Bank, Eagle, Nebraska, and to retain the acquired facility as a branch.
- Approved, June 14, 2024
Commercial Bank & Trust Company, Monticello, Arkansas -- to merge with First State Bank of Warren, Warren, Arkansas, and retain the acquired facilities as branches.
- Approved, May 14, 2024
Bank of Salem, Salem, Arkansas -- to merge with Security Bank, Stephens, Arkansas, and to retain the acquired facility as a branch.
- Approved, May 3, 2024
OakStar Bank, Springfield, Missouri -- to merge with Community First Bank, Kansas City, Kansas, and First Colorado National Bank, Paonia, Colorado, and to retain the acquired facilities as branches.
- Approved, March 29, 2024
Bank Premises
Connect Bank, Star City, Arkansas -- to increase its investment in bank premises.
- Approved, May 3, 2024
Citizens Bank & Trust Company, Van Buren, Arkansas -- to increase its investment in bank premises.
- Approved, April 11, 2024
Change In Bank Control
Citizens Bancshares, Inc., Albion, Illinois -- Richard H. Wolfe, Kelly R. Wolfe, Allison J. Wolfe, Andrew R. Wolfe, and the Wolfe Foundation of Edwards County, Inc., Richard H. Wolfe as director, all of Albion, Illinois, a group acting in concert, to retain voting shares of Citizens Bancshares, Inc., and thereby indirectly retain voting shares of Citizens National Bank of Albion, Albion, Illinois.
- Permitted, November 21, 2024
Harrell Bancshares, Inc., Camden, Arkansas -- Steven Harrell, trustee of the Steven D. Harrell Revocable Trust, Springdale, Missouri; Jonathan W. Harrell, individually and as trustee of the Carter Dunn Harrell Share Trust, Samantha Ginger Harrell Share Trust, Ryan Elise Harrell Share Trust, Tyler Alan Harrell Share Trust, and JH Revocable Trust, Bennett S. Harrell, as trustee of the Bennett S. Harrell Revocable Trust and custodian of certain minor children, Ginger Fischer, and Julie Harrell, all of Rogers, Arkansas; Shannon Harrell Beard, Paris, Texas; and Maxwell Hunter Harrell, Lowell, Arkansas, to establish the Harrell Family Control Group, a group acting in concert, to retain voting shares of Harrell Bancshares, Inc., Camden, Arkansas, and thereby indirectly retain voting shares of Generations Bank, Rogers, Arkansas.
- Permitted, October 31, 2024
Campbell Hill Bancshares, Inc., Campbell Hill, Illinois -- William A. Richelman, Gregory L. Richelman, Tracy D. Richelman, Shellie R. Astin, Donald L. Richelman, Elaine L. Richelman, and Mark A. Richelman, all of Campbell Hill, Illinois, and Jeffery A. Richelman, Perryville, Missouri, to establish the Richelman Family Control Group, a group acting in concert, to retain voting shares of Campbell Hill Bancshares, Inc., and thereby indirectly retain voting shares of First State Bank of Campbell Hill, Campbell Hill, Illinois.
- Permitted, October 28, 2024
Murphy-Wall Bancorp, Inc., Pinckneyville, Illinois -- Matthew D. Bigham, individually and as Family Advisor of The Phyllis E. Crawford Testamentary Trust created under the last will and testament of Robert J. Crawford, dated August 12, 1990, both of Waterloo, Illinois, Regions Bank as Corporate Trustee, Birmingham, Alabama; Nancy Bigham, Pinckneyville, Illinois, and Janet L. Evans, Lexington, Kentucky, to establish the Robert J. Crawford Family Group, a group acting in concert, to retain voting shares of Murphy-Wall Bancorp, Inc., and thereby indirectly retain voting shares of Murphy-Wall State Bank and Trust Company, Pinckneyville, Illinois.
- Permitted, October 23, 2024
Murphy-Wall Bancorp, Inc., Pinckneyville, Illinois -- J. Joseph Crawford Declaration of Trust, dated [January 3,] 2020, Connie N. Crawford as trustee, both of Pinckneyville, Illinois, and Brian Crawford, Missouri City, Texas, to establish the W.K. Crawford Family Group, a group acting in concert, to retain voting shares of Murphy-Wall Bancorp, Inc., and thereby indirectly retain voting shares of Murphy-Wall State Bank and Trust Company, Pinckneyville, Illinois.
- Permitted, October 23, 2024
Townsend Financial Corporation, Parsons, Tennessee -- Suzanne L. Shaw, Greensburg, Pennsylvania; to join the Croftcheck Family Control Group, a group acting in concert, to acquire voting shares of Townsend Financial Corporation and thereby indirectly acquire voting shares of Farmers Bank, Parsons, Tennessee.
- Permitted, October 4, 2024
MHBC Investments Limited Partnership I, LLLP, England, Arkansas -- the Gary Canada Family Trust and the Bradley S. Canada 2020 Trust, Bradley S. Canada as trustee for both, all of Little Rock, Arkansas; and Gary R. Canada Sr., England, Arkansas; a group acting in concert, to retain voting shares of MHBC Investments Limited Partnership I, LLLP, and thereby indirectly retain voting shares of Canada Bancshares, Inc., and the Bank of England, both of England, Arkansas.
- Returned, September 30, 2024
Campbell Hill Bancshares, Inc., Campbell Hill, Illinois -- The Edward C. Knop & Barbara B. Knop Living Trust, Edward C. Knop and Barbara B. Knop, trustees, all of Clifton, Illinois; James E. Knop, Ely, Minnesota; Mary R. Knop Patterson, Williamsburg, Virginia; and John C. Knop, Apple Valley, Minnesota; to establish the Knop Family Control Group, a group acting in concert, to retain voting shares of Campbell Hill Bancshares, Inc., and thereby indirectly retain voting shares of First State Bank of Campbell Hill, Campbell Hill, Illinois.
- Permitted, September 27, 2024
Campbell Hill Bancshares, Inc., Campbell Hill, Illinois -- Gary D. Misselhorn Trust, Gary D. Misselhorn and Barbara A. Misselhorn as co-trustees, Gary D. Misselhorn, individually, all of Campbell Hill, Illinois; Hilary Sternberg, Redbud, Illinois; and Clint E. Misselhorn, Carterville, Illinois; to establish the Misselhorn Family Control Group, a group acting in concert, to retain voting shares of Campbell Hill Bancshares, Inc., and thereby indirectly retain voting shares of First State Bank of Campbell Hill, Campbell Hill, Illinois.
- Permitted, September 18, 2024
Commerce Holding Corporation, Corinth, Mississippi -- Ethel Archer Davis; Frank Archer Davis, Sr., individually and as trustee of the Frank Archer Davis, Jr. Trust, the John Leland Davis Trust, and the Minor Child Trust; William Hull Davis, Jr., individually and as trustee of the William Hull Davis, III Trust, the Grace Ann Davis Trust, the George Newman Davis Trust, and the Samuel McTyeire Davis Trust, all of Corinth, Mississippi; to form the Davis Family Control Group, a group acting in concert, to retain voting shares of Commerce Holding Corporation, and thereby indirectly retain voting shares of Commerce Bank, Corinth, Mississippi.
- Permitted, July 3, 2024
Farmers State Holding Corp., Harrisburg, Illinois -- Thomas Ryan Franks, Thomas Walker Franks, Amanda Jo Holland, and Elizabeth Lane Pilcher, all of Harrisburg, Illinois; to join Thomas William Franks, Marion, Illinois, to establish the Franks Family Control Group, a group acting in concert, to retain voting shares of Farmers State Holding Corp. and thereby indirectly retain voting shares of Farmers State Bank of Alto Pass, Alto Pass, Illinois.
- Permitted, July 3, 2024
BancKentucky, Inc., Murray, Kentucky -- The Murray Bank 401(K) Employee Ownership Plan, along with Robert Wayne Hargrove, James Suart Poston, Charles Stephen Story, individually and as co-trustees, all of Murray, Kentucky; to retain voting shares of BancKentucky, Inc., and thereby indirectly retain voting shares of The Murray Bank, Murray, Kentucky.
- Permitted, May 22, 2024
Citizens Bancorp of Hickman, Inc., Hickman, Kentucky -- Minor Child A and Minor Child B, Carla Campbell Coffey as custodian, all of Troy, Tennessee; to join the Coffey family control group, a group acting in concert, to retain voting shares of Citizens Bancorp of Hickman, Inc., and thereby indirectly retain voting shares of The Citizens Bank, Hickman, Kentucky.
- Permitted, May 10, 2024
First Union Financial Corporation, Monticello, Arkansas -- Zach John Scott McClendon; the Zach John Scott McClendon Irrevocable Trust, Zach John Scott McClendon as trustee; Robin Ann McClendon; the Robin Ann McClendon Irrevocable Trust, Robin Ann McClendon as trustee; and the Zach McClendon, Jr. Trust, Zach McClendon, Jr. as trustee, all of Monticello, Arkansas; to establish a family control group and to retain voting shares of First Union Financial Corporation, and thereby indirectly retain voting shares of Union Bank & Trust Company, Monticello, Arkansas.
- Permitted, May 2, 2024
Drew Bancshares, Inc., Monticello, Arkansas -- Bennie F. Ryburn III, Ray Morrison Ryburn, Marion B. Ryburn, and Halley A. Ryburn, all of Monticello, Arkansas; Angelia D. Ryburn, Wilmar, Arkansas; Margaret Anne Ryburn, Atlanta, Georgia; and Madison A. Ryburn, Dallas, Texas; to join the Ryburn Family Control Group, a group acting in concert, to retain voting shares of Drew Bancshares, Inc., and thereby indirectly retain voting shares of Commercial Bank & Trust Company, Monticello, Arkansas.
- Permitted, April 5, 2024
Midwest Regional Bancorp, Inc., Festus, Missouri -- The Michael F. Bender Revocable Living Trust dated February 10, 2023, and The Diane M. Bender Revocable Living Trust dated February 10, 2023, Michael F. Bender and Diane M. Bender as co-trustees of both trusts, all of Farmington, Missouri, to retain voting shares of Midwest Regional Bancorp, Inc., and thereby indirectly retain voting shares of Midwest Regional Bank, Clayton, Missouri.
- Permitted, April 1, 2024
St. Clair Bancshares, Inc., Saint Clair, Missouri -- the John W. Waller Revocable Trust, Paula J. Ray, trustee, both of Leasburg, Missouri, John T. Waller, Timothy S. Waller, and more, a group acting in concert, to retain voting shares of St. Clair Bancshares, Inc., and thereby indirectly retain voting shares of Farmers and Merchants Bank of St. Clair, St. Clair, Missouri.
- Permitted, February 27, 2024
Cornerstone Bancshares, Inc., Lebanon, Missouri -- Christy Jones, Kevin Jones, and the Franklin D. & Donna L. Lewis Trust dated June 21, 2004, Franklin D. Lewis and Donna L. Lewis as co-trustees, all of Marshfield, Missouri, and more, as a group acting in concert, to retain voting shares of Cornerstone Bancshares, Inc., and thereby indirectly retain voting shares of Heritage Bank of the Ozarks, Lebanon, Missouri.
- Permitted, February 13, 2024
Buffalo Bancshares, Inc., Buffalo, Oklahoma -- Rondal L. Wright Irrevocable Grantor Trust, R. Brent Wright, individually and as trustee, both of Glasgow, Kentucky, to acquire voting shares of Buffalo Bancshares, Inc., and thereby indirectly acquire voting shares of Bank of Buffalo, Buffalo, Kentucky.
- Returned, February 12, 2024
Midwest Regional Bancorp, Inc., Festus, Missouri -- Michael F. and Diane M. Bender, both of Farmington, Missouri, to retain voting shares of Midwest Regional Bancorp, Inc., and thereby indirectly retain voting shares of Midwest Regional Bank, Clayton, Missouri.
- Returned, January 17, 2024
Membership
Generations Bank, Rogers, Arkansas -- to become a member of the Federal Reserve System.
- Approved, November 15, 2024
Cadence Bank, Tupelo, Mississippi -- to become a member of the Federal Reserve System.
- Approved, November 13, 2024
Union Bank & Trust Company, Monticello, Arkansas -- to become a member of the Federal Reserve System.
- Approved, July 29, 2024
Banks, State Member
First Horizon Bank, Memphis, Tennessee -- to make a public welfare investment.
- Approved, October 29, 2024

Last Update: November 29, 2024