Actions under delegated authority

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 155 East 150th Place South, Glenpool, Oklahoma.
-Approved, July 21, 2021

Regions Bank, Birmingham, Alabama -- to establish a branch at the intersection of Browns Bridge Road and Keith Bridge Road, Cumming, Georgia.
-Approved, July 23, 2021

Sandy Spring Bank, Olney, Maryland -- to establish a branch at 7565 Greenbelt Road, Greenbelt, Maryland.
-Approved, July 22, 2021

Bank Forward Employee Stock Ownership Plan and Trust, Fargo, North Dakota -- to acquire voting shares of Security State Bank Holding Company, Fargo, and thereby indirectly acquire voting shares of Bank Forward, Hannaford, both of North Dakota.
-Approved, July 22, 2021

Equity Bancshares, Inc., Wichita, Kansas -- waiver of application to acquire American State Bancshares, Inc., and its subsidiary, American State Bank & Trust Company, both of Wichita, in connection with the merger of American State Bank & Trust Company with and into Equity Bank, Andover, all of Kansas.
-Granted, July 23, 2021

First State Capital Corporation, Holly Springs, Mississippi -- to merge with M&F Bancorp, Inc., and thereby indirectly acquire Merchant and Farmers Bank, both of Holly Springs, Mississippi.
-Approved, July 21, 2021

M&P Community Bancshares, Inc. 401(k) Employee Stock Ownership Plan, Newport, Arkansas -- to acquire additional shares of M&P Community Bancshares, Inc., and thereby increase its indirect control of Merchants and Planters Bank, both of Newport, Arkansas.
-Approved, July 19, 2021

VCC Social Enterprises, Richmond, Virginia -- to become a bank holding company by acquiring shares of VCC Bank, Richmond, Virginia, and thereby engage in extending credit and servicing loans, asset management activities, management consulting, community development activities, financing and investment activities, and data processing activities.
-Approved, July 14, 2021
(A/C)

Equity Bank, Andover, Kansas -- to merge with American State Bank & Trust Company, Wichita, Kansas, and thereby establish branches.
-Approved, July 23, 2021

First Financial Bank, Cincinnati, Ohio -- to make a public welfare investment.
-Approved, July 22, 2021

Western Alliance Bank, Phoenix, Arizona -- to make a public welfare investment.
-Approved, July 21, 2021

Commercial State Holding Company, Inc., Republican City, Nebraska -- Michael Waldo, Alma, Nebraska, and Dwight Waldo, Republican City, Nebraska, to establish the Waldo Family Group, a group acting in concert, and retain voting shares of Commercial State Holding Company and thereby indirectly retain voting shares of Commercial State Bank, Republican City, Nebraska.
-Permitted, July 20, 2021

Esquire Financial Holdings, Jericho, New York -- Basswood Capital Management, LLC, New York, New York; funds for which Basswood Partners LLC serves as General Partner and Basswood Capital Management, LLC, serves as investment manager (Basswood Opportunity Partners, LP; Basswood Financial Fund, LP; Basswood Financial Long Only Fund, LP); Basswood Capital Management, LLC, serves as investment manager (Basswood Opportunity Fund, Inc., and Basswood Financial Fund, Inc.); certain managed accounts for which Basswood Capital Management, LLC, serves as the investment adviser; Matthew Lindenbaum and Bennett Lindenbaum, all of New York, New York, to collectively acquire outstanding voting shares of Esquire Financial Holdings, Inc., and indirectly acquire voting shares of its subsidiary bank, Esquire Bank, National Association, Jericho, New York.
-Permitted, July 20, 2021

Credit Risk Retention -- interagency notice of extension until December 20, 2021, of the review period, and the publication of determination of the review, of the definition of qualified residential mortgage, the community-focused residential mortgage exemption, and the exemption for qualifying three- to four-unit residential mortgage loans, as currently set forth in the Credit Risk Retention regulations as adopted by the agencies.
-Granted, July 8, 2021
(A/C)

The Goldman Sachs Group, Inc., New York, New York -- extension of time to conform or divest a merchant banking investment.
-Granted, July 20, 2021

Morgan Stanley, New York, New York -- extension of time to dispose of real estate and loan assets.
-Granted, July 23, 2021

Old National Bancorp, Evansville, Indiana -- commenter's request to extend the comment period on the application to acquire by merger First Midwest Bancorp, Inc., and thereby indirectly acquire First Midwest Bank, both of Chicago, Illinois.
-Denied, July 23, 2021

The PNC Financial Services Group, Pittsburgh, Pennsylvania -- extension of time to conform or divest a merchant banking investment.
-Granted, July 13, 2021
(A/C)