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 February 22, 2025
| Filer | Filing Type | Filing Proposal | End of Comment Period | |
|---|---|---|---|---|
| Newspaper | Federal Register | |||
| COMMERCIAL NATIONAL CORPORATION | Change in Bank Control | Notice by the Doris Jones Marital Trust, Brady, Texas (W. Clay Jones and Mark Jones, Co-Trustees); Grant Johanson Jones, Rochelle, Texas; Jeffrey Jones, Brady, Texas; the John W. Jones Family Trust, Brady, Texas (W. Clay Jones and Mark Jones, Co-Trustees); Mark Jones, Rochelle, Texas; Martha Marie Jones, Austin, Texas; W. Clay Jones, Rochelle, Texas; the William Jones Family Trust, Brady, Texas (Diane Johanson Jones, Trustee); Zachary Jones, Brady, Texas; and Liane Jones Locke, Lubbock, Texas; (collectively, the "Jones Control Group") a group acting in concert, to retain control of Commercial National Corporation, Brady, Texas, and thereby indirectly, Commercial National Financial Corporation, Henderson, Nevada, and The Commercial National Bank, Brady, Texas | Not available | 03/12/2025 |
| COMMUNITY BANK HOLDINGS OF TEXAS, INC. | * 3A5 | Community Bank Holdings of Texas, Inc., Corsicana, Texas, to acquire CapTex Bancshares, Inc., and thereby indirectly, CapTex Bank, both of Fort Worth, Texas. | Not available | 03/06/2025 |
| FROST BANK | * Branch (Domestic) | Frost Bank, San Antonio, Texas to establish a branch located at 3000 Golden Triangle Blvd., Fort Worth, Texas 76177 | 02/25/2025 | Not applicable |
| RELATIONSHIP FINANCIAL CORPORATION | Change in Bank Control | Charles J. Whelan, Jr., the Charles J. Whelan, Jr. 2024 Trust ("Trust"), and Cynthia Ann Whelan as trustee of the Trust, all of Kerrville, Texas, to acquire voting shares of Relationship Financial Corporation ("Company") and thereby indirectly acquire voting shares of Guadalupe Bank ("Bank"), both of Kerrville, Texas and for the Trust to join the Whelan Family Group. In addition, Charles Joseph Whelan, Jr., Cynthia Ann Whelan, Kevin Joseph Whelan, and Adria Nicole Whelan, all of Kerrville, Texas; Leslie Whelan White, and Aaron James White, both of Austin, Texas; as a group acting in concert ("Whelan Family Group"), to retain voting shares of Company and thereby indirectly retain voting shares of Bank. | Not available | 03/07/2025 |
| YOAKUM NATIONAL BANCSHARES, INC. | * 3A5 | Yoakum National Bancshares, Inc., Yoakum, Texas, to acquire 100 percent of the issued and outstanding voting securities of Ganado Bancshares, Inc., and thereby indirectly acquire Citizens State Bank, both of Ganado, Texas, pursuant to Section 3(a)(3) and 3(a)(5) of the Bank Holding Company Act of 1956, as amended. | Not available | Not available |
* 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 / Location | RSSD ID | Exam Date | CRA Public Date | CRA Rating | Exam Method |
|---|---|---|---|---|---|
| THIRD COAST BK SSB, HUMBLE, TEXAS | 3630323 | 08/14/2022 | 04/25/2022 | S | Int Small Bank |
| VISTA BK, DALLAS, TEXAS | 645465 | 07/29/2024 | 04/01/2024 | O | Int Small Bank |
CRA Examinations scheduled for Second Quarter of 2025 (April 1, 2025 - June 30, 2025) and Third Quarter of 2025 (July 1, 2025 - September 30, 2025)
| Institution | Location | Quarter |
|---|---|---|
| CIERA BK | GRAHAM, TEXAS | Second Quarter of 2025 |
| COMERICA BK | DALLAS, TEXAS | Second Quarter of 2025 |
| TXN BK | HONDO, TEXAS | Second Quarter of 2025 |
| WORTHINGTON BK | ARLINGTON, TEXAS | Second Quarter of 2025 |
| BENCHMARK BK | PLANO, TEXAS | Third Quarter of 2025 |
| WESTSTAR BK | EL PASO, TEXAS | Third Quarter of 2025 |