Board of Governors of the Federal Reserve System

Cornerstone Bank, Spencer, Massachusetts -- to establish a branch at 1125 Pleasant Street, Worcester, Massachusetts.
Approved: November 21, 2024

Texas Regional Bank, Harlingen, Texas -- to establish a branch at 21 Herff Road, Boerne, Texas.
Approved: November 21, 2024

First Fidelity Bank, Oklahoma City, Oklahoma -- to establish a branch at 13144 North May Avenue, Oklahoma City, Oklahoma.
Approved: November 21, 2024

SmartBank, Pigeon Forge, Tennessee -- to establish a branch at 207 Montgomery Street, Montgomery, Alabama.
Approved: November 22, 2024

The Bank of Fayette County, Piperton, Tennessee -- to establish a branch at 1624 U.S. Highway 51 South, Covington, Tennessee.
Approved: November 21, 2024

Ally Bank, Sandy, Utah -- to make a public welfare investment (three requests).
Approved: November 21, 2024

Pacific Premier Bank, Irvine, California -- to make three public welfare investments.
Approved: November 22, 2024

Manufacturers and Traders Trust Company, Buffalo, New York -- to make a public welfare investment.
Approved: November 22, 2024

The Northern Trust Company, Chicago, Illinois -- to make a public welfare investment.
Approved: November 18, 2024

Arbor Bancorp, Inc., Ann Arbor, Michigan -- the Michael Carl Martin BAA Irrevocable Trust, Ann Arbor, Michigan, Michael Carl Martin, Ann Arbor, Michigan, as Trustee and Tye J. Klooster, Orland Park, Illinois, as Trust Protector; and the William Seth Martin BAA Irrevocable Trust, Ann Arbor, Michigan, William Seth Martin, Wilmette, Illinois, as Trustee and Tye J. Klooster, Orland Park, Illinois, as Trust Protector, to join the Martin Family Control Group and acquire voting shares of Arbor Bancorp, Inc., and thereby indirectly acquire voting shares of Bank of Ann Arbor, Ann Arbor, Michigan.
Permitted: November 18, 2024

Scott Bancshares, Inc., Bethany, Illinois -- Gregory S. Jeffers, Urbana, Illinois; Tod A. Jeffers, Bethany, Illinois; Natalie A. Jeffers, Bethany, Illinois; Kathryn G. Jeffers, Bethany, Illinois; Joseph T. Jeffers, Bethany, Illinois; and Karen A. Jeffers, Bethany, Illinois, as members of the Jeffers Family Group, a group acting in concert, to retain voting shares of Scott Bancshares, Inc., and thereby indirectly control Scott State Bank, Bethany, Illinois.
Permitted: November 18, 2024

Emprise Financial Corporation, Wichita, Kansas -- the Matthew Michaelis Trust B, Amy Madsen and Matthew Michaelis as co-trustees, all of Wichita, Kansas, to acquire voting shares of Emprise Financial Corporation and thereby indirectly acquire voting shares of Emprise Bank, Wichita, Kansas, and to join the Michaelis Family Group, a group acting in concert. Amy Madsen and Matthew Michaelis have previously been approved as members of the Michaelis Family Group.
Permitted: November 19, 2024

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

CIBC Bank USA, Chicago, Illinois -- to become a member of the Federal Reserve System.
Approved: November 19, 2024