Actions under delegated authority

Flagler Bank, West Palm Beach, Florida -- to establish a branch at 5255 North Federal Highway, Boca Raton, Florida.
-Approved, February 17, 2022

Synovus Bank, Columbus, Georgia -- to establish a branch at 201 East Las Olas Boulevard, Fort Lauderdale, Florida.
-Approved, February 18, 2022

AIB Group, p.l.c., and Allied Irish Banks, p.l.c., both of Dublin, Ireland -- to retain GANMAC Holdings (BVI) Limited, Dublin, Ireland (GANMAC), and thereby engage in financial advisory activities, securities brokerage activities, and private placement activities in the United States through GANMAC's subsidiary, Goodbody Securities, Inc., a Delaware corporation, pursuant section 225.24 of Regulation Y.
-Approved, February 18, 2022

Benchmark Community Bank, Kenbridge, Virginia -- to increase its investment in bank premises.
-Approved, February 14, 2022

Mountain Valley Bank, Walden, Colorado -- to exercise trust powers.
-Approved, February 18, 2022

Westamerica Bank, San Rafael, California -- to make a public welfare investment.
-Approved, February 14, 2022

Western Alliance, Bank Phoenix, Arizona -- to make certain public welfare investments (two requests).
-Approved, February 16, 2022

Liberty Financial Services, Inc., Sioux City, Iowa -- the First Amended and Restated Mark R. Peterson Bank Trust, the First Amended and Restated Susan P. Depass Bank Trust, the First Amended and Restated Chase R. Peterson Bank Trust, the First Amended and Restated Clair P. Peterson Bank Trust, the First Amended and Restated Cole M. Peterson Bank Trust, and the First Amended and Restated Aja M. Depass Bank Trust, Mark R. Peterson, as trustee, and by Polly P. Peterson Trust, Polly P. Peterson and the Polly P. Peterson IRA with Polly P. Peterson as trustee and owner, respectively, all of Dakota Dunes, South Dakota; to join the Peterson Family Control Group, a group acting in concert, to retain voting shares of Liberty Financial Services, Inc., and thereby indirectly retain voting shares of Liberty National Bank, Sioux City, Iowa.
-Permitted, February 18, 2022

Optus Financial Corporation, Columbia, South Carolina -- Dominik Mjartan and Georgia M. Mjartan to acquire voting shares of Optus Financial Corporation and thereby indirectly control Optus Bank, Columbia, South Carolina.
-Permitted, February 16, 2022

Peoples Bancshares, Inc., Mendenhall, Mississippi -- Bradley C. Davis, Charleston, South Carolina, a member of the Davis Family Group, to retain voting shares of Peoples Bancshares, Inc., and thereby indirectly retain voting shares of Peoples Bank, Mendenhall, Mississippi. In addition, The Sid Davis Trust, Atlanta, Georgia, Sidney Dewitt Davis III, Mendenhall, Mississippi, and Bradley C. Davis, Charleston, South Carolina, as co-trustees; Melissa Lenox, Charleston, South Carolina; Sharon Ammann, Steve Ammann, and Steven Wade Ammann, all of Mendenhall, Mississippi; Charles Cockrell, Dauphin Island, Alabama; Michael Tolleson and Brian Jernigan, both of Madison, Mississippi; Margaret Steinberger Revocable Trust, Margaret Steinberger as trustee, and Bruce Steinberger, all of Coral Gables, Florida; Audrey Davis, Magee, Mississippi; to join the Davis Family Group, a group acting in concert, to retain voting shares of Peoples Bancshares, Inc., and thereby indirectly retain voting shares of Peoples Bank, Mendenhall, Mississippi.
-Permitted, February 15, 2022

Santa Fe Trail Banc Shares, Inc., Sublette, Kansas -- Joe D. Butcher, a member of the Butcher Family Group, a group acting in concert, as trustee of the Joe D. Butcher Trust No. 1, both of Cimarron, Kansas; and as co-trustee of the Donna L. Butcher Trust B, Hutchinson, Kansas; to retain shares of Santa Fe Trail Banc Shares, Inc. (the Company) and thereby indirectly retain voting shares of Centera Bank, Sublette, Kansas. In addition, the Donna L. Butcher Trust B, First National Bank of Hutchinson, co-trustee, both of Hutchinson, Kansas, Joe D. Butcher, Kimberly Fairbank, co-trustees, both of Cimarron, Kansas; to join the Butcher Family Group, to retain shares of the Company and thereby indirectly retain voting shares of Centera Bank, Sublette, Kansas.
-Permitted, February 17, 2022

Woodforest Financial Group Employee Stock Ownership Plan (with 401(k) Provisions) (As Amended and Restated Effective January 1, 2016), The Woodlands, Texas -- Joseph V. Gillen, Spicewood, Texas, individually and as co-trustee of the Woodforest Financial Group Employee Stock Ownership Plan (with 401(k) Provisions) (As Amended and Restated Effective January 1, 2016), and as co-trustee of the Woodforest Financial Group Employee Stock Ownership Trust, The Woodlands, Texas, to retain voting shares of Woodforest Financial Group, Inc., and thereby indirectly Woodforest National Bank, both of The Woodlands, Texas.
-Approved, February 17, 2022

The Bank of Fayette County, Piperton, Tennessee -- extension to June 24, 2022, to establish a branch at 5560 Airline Road, Arlington, Tennessee.
-Granted, February 16, 2022

The Farmers & Merchants Bank, Stuttgart, Arkansas -- extension to August 20, 2022, to establish a branch at 3100 Southwest Drive, Jonesboro, Arkansas.
-Granted, February 16, 2022

Morgan Stanley, New York, New York -- extension of time to conform or divest a merchant banking investment.
-Granted, February 15, 2022

Main Index -- requests by Goldman Sachs Group, Inc.; Citigroup Inc.; Credit Suisse Holdings (USA), Inc.; The Bank of New York Mellon Corporation; and State Street Corporation for a determination regarding certain indexes for purposes of the Board's capital rule.
-Granted, January 18, 2022
(A/C)

Main Index -- request by Northern Trust Corporation for a determination regarding certain indexes for purposes of the Board's capital rule.
-Granted, February 1, 2022
(A/C)

Main Index -- request by Morgan Stanley for a determination regarding certain indexes for purposes of the Board's capital rule.
-Granted, February 16, 2022