[Federal Register Volume 90, Number 216 (Wednesday, November 12, 2025)]
[Notices]
[Pages 50869-50870]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2025-19855]


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FEDERAL RESERVE SYSTEM


Formations of, Acquisitions by, and Mergers of Bank Holding 
Companies

    The companies listed in this notice have applied to the Board for 
approval, pursuant to the Bank Holding Company Act of 1956 (12 U.S.C. 
1841 et seq.) (BHC Act), Regulation Y (12 CFR part 225), and all other 
applicable statutes and regulations to become a bank holding company 
and/or to acquire the assets or the ownership of, control of, or the 
power to vote shares of a bank or bank holding company and all of the 
banks and nonbanking companies owned by the bank holding company, 
including the companies listed below.
    The public portions of the applications listed below, as well as 
other related filings required by the Board, if any, are available for 
immediate inspection at the Federal Reserve Bank(s) indicated below and 
at the offices of the Board of Governors. This information may also be 
obtained

[[Page 50870]]

on an expedited basis, upon request, by contacting the appropriate 
Federal Reserve Bank and from the Board's Freedom of Information Office 
at https://www.federalreserve.gov/foia/request.htm. Interested persons 
may express their views in writing on the standards enumerated in the 
BHC Act (12 U.S.C. 1842(c)).
    Comments received are subject to public disclosure. In general, 
comments received will be made available without change and will not be 
modified to remove personal or business information including 
confidential, contact, or other identifying information. Comments 
should not include any information such as confidential information 
that would not be appropriate for public disclosure.
    Comments regarding each of these applications must be received at 
the Reserve Bank indicated or the offices of the Board of Governors, 
Benjamin W. McDonough, Deputy Secretary of the Board, 20th Street and 
Constitution Avenue NW, Washington, DC 20551-0001, not later than 
December 12, 2025.
    A. Federal Reserve Bank of Boston (Prabal Chakrabarti, Executive 
Vice President) 600 Atlantic Avenue, Boston, Massachusetts 02210-2204. 
Comments can also be sent electronically to 
[email protected]:
    1. 1850 Financial MHC and 1850 Financial Inc., both of Ware, 
Massachusetts; to become bank holding companies by acquiring Country 
Bank for Savings, Ware, Massachusetts (``CBS''), upon the conversion of 
CBS from mutual to stock form.
    B. Federal Reserve Bank of New York (Keith Goodwin, Head of Bank 
Applications) 33 Liberty Street, New York, New York 10045-0001. 
Comments can also be sent electronically to 
[email protected]:
    1. UBS Group AG and UBS AG, both of Zurich, Switzerland, and UBS 
Americas Holding LLC and UBS Americas Inc., both of New York, New York, 
to become bank holding companies by acquiring UBS Bank USA, Salt Lake 
City, Utah, upon the conversion of UBS Bank USA from a state-chartered 
industrial bank to a national bank.
    C. Federal Reserve Bank of Cleveland (Jenni M. Frazer, Vice 
President) 1455 East Sixth Street, Cleveland, Ohio 44101-2566. Comments 
can also be sent electronically to [email protected]:
    1. Fifth Third Bancorp and Fifth Third Financial Corporation, both 
of Cincinnati, Ohio; to acquire Comerica Incorporated, and thereby 
indirectly acquire Comerica Holdings, Incorporated, both of Dallas, 
Texas, and thereby indirectly acquire Comerica Bank, Dallas, Texas, and 
Comerica Bank & Trust, National Association, Ann Arbor, Michigan.
    D. Federal Reserve Bank of Atlanta [(Erien O. Terry, Assistant Vice 
President) 1000 Peachtree Street NE, Atlanta, Georgia 30309; Comments 
can also be sent electronically to [email protected]:
    1. Fleur Capital Corporation, Simmesport, Louisiana; to become a 
bank holding company by acquiring Simmesport State Bank, Simmesport, 
Louisiana.
    2. Recap Financial Ventures, LLC, Franklin, Tennessee; to become a 
bank holding company by acquiring Lineage Financial Network, Inc., and 
thereby indirectly acquiring Lineage Bank, both of Franklin, Tennessee.
    E. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant 
Vice President) 230 South LaSalle Street, Chicago, Illinois 60690-1414. 
Comments can also be sent electronically to 
[email protected]:
    1. Mercantile Bank Corporation, Grand Rapids, Michigan; to acquire 
Eastern Michigan Financial Corporation, and thereby indirectly acquire 
Eastern Michigan Bank, both of Croswell, Michigan.
    2. University Bancorp, Inc., Ann Arbor, Michigan, to acquire 8.93 
percent of the voting shares of Greater Pacific Bancshares, and thereby 
indirectly acquire voting shares of Bank of Whittier, National 
Association, both of Whittier, California.
    F. Federal Reserve Bank of St. Louis (Holly A. Rieser, Senior 
Manager) P.O. Box 442, St. Louis, Missouri 63166-2034. Comments can 
also be sent electronically to [email protected]:
    1. Reliable Community Bancshares, Inc., Perryville, Missouri; to 
acquire M1 Bancshares, Inc., and thereby indirectly acquire M1 Bank, 
both of Clayton, Missouri. In connection with that transaction, BN1 
Acquisition Corp., Perryville, Missouri, a subsidiary of Reliable 
Community Bancshares, Inc., would become a bank holding company by 
merging with M1 Bancshares, Inc., and thereby indirectly acquiring M1 
Bank.
    G. Federal Reserve Bank of Minneapolis (Mark Nagle, Assistant Vice 
President) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291. 
Comments can also be sent electronically to [email protected]:
    1. Stearns Financial Services, Inc. Employee Stock Ownership Plan 
and its subsidiary Stearns Financial Services, Inc., both of Saint 
Cloud, Minnesota; to acquire One American Financial Corporation, Sioux 
Falls, South Dakota, and thereby indirectly acquire One American Bank, 
Centerville, South Dakota.
    H. Federal Reserve Bank of Kansas City (Jeffrey Imgarten, Assistant 
Vice President) 1 Memorial Drive, Kansas City, Missouri 64198-0001. 
Comments can also be sent electronically to 
[email protected]:
    1. Integra BG, LLC, Jackson, Wyoming; to become a bank holding 
company by acquiring UCSB Financial Corporation, and thereby indirectly 
acquiring Uinta Bank, both of Mountain View, Wyoming.
    2. National Bank Holdings Corporation, Greenwood Village, Colorado; 
to merge with Vista Bancshares, Inc., and thereby indirectly acquire 
Vista Bank, both of Dallas, Texas.
    I. Federal Reserve Bank of Dallas (Lindsey Wieck, Director, Mergers 
& Acquisitions) 2200 North Pearl Street, Dallas, Texas 75201-2272. 
Comments can also be sent electronically to 
[email protected]:
    1. Prosperity Bancshares, Inc., Houston, Texas; to merge with 
Southwest Bancshares, Inc., and thereby indirectly acquire Texas 
Partners Bank, both of San Antonio, Texas.
    2. Cornerstone Capital Bancorp, Inc., Houston, Texas; to acquire 
Peoples Bancorp, Inc., and thereby indirectly acquire Peoples Bank, 
both of Lubbock, Texas.

    Board of Governors of the Federal Reserve System.
Michele Taylor Fennell,
Associate Secretary of the Board.
[FR Doc. 2025-19855 Filed 11-10-25; 8:45 am]
BILLING CODE 6210-01-P