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 February 6, 2021

Filer

Filing Type

Filing Proposal

End of Comment Period

BRIGHT FORCE HOLDINGS, LLC

4c8

Bright Force Holdings, LLC, Dallas, Texas ("Applicant"), to engage in activities permitted by 12 C.F.R. 225.28(b)(1), by extending credit, and specifically, purchasing loan participations, loans, and Other Real Estate Owned ("OREO") from its wholly-owned subsidiary American Bank, National Association, Dallas, Texas ("Bank")

Newspaper:	Not applicable
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

VERABANK, INC.

* 3A3

VeraBank, Inc., Henderson, Texas, to acquire Panola National Bank, Carthage, Texas.

Newspaper:	02/23/2021
Federal Register:	03/04/2021

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 February 6, 2021

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 11
Federal Reserve Bank of: Dallas