Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received

District 11: Federal Reserve Bank of Dallas PDF

Filings received during the week ending October 5, 2024

FilerFiling TypeFiling ProposalEnd of Comment Period
NewspaperFederal Register
LIBERTY CAPITAL BANCSHARES. INC.* 3A3Liberty Capital Bancshares, Inc., Addison, Texas, to acquire Southwestern Bancorp, Inc., Boerne, Texas, and thereby indirectly acquire Texas Heritage Bank, both of Boerne, Texas.Not available11/06/2024

* Subject to the provisions of the Community Reinvestment Act

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 / LocationRSSD IDExam DateCRA Public DateCRA RatingExam Method
THIRD COAST BK SSB, HUMBLE, TEXAS363032308/14/202204/25/2022SInt Small Bank
VISTA BK, DALLAS, TEXAS64546507/29/202404/01/2024OInt Small Bank
CRA Examinations scheduled for    Quarter of
InstitutionLocationQuarter
NONE
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Last Update: October 11, 2024