Fed Reviews Bank Holding Company Mergers and Acquisitions
Published Date: 11/18/2025
Notice
Summary
Some companies want to become bank holding companies or buy banks, and the Federal Reserve is checking their applications. If you have thoughts, you can send comments by December 18, 2025. This affects banks, their owners, and the public, with no direct costs but important changes in who controls banks.
Analyzed Economic Effects
4 provisions identified: 0 benefits, 0 costs, 4 mixed.
SB Financial seeks bank holding status
SB Financial, Inc. applied to the Federal Reserve to become a bank holding company by acquiring Southern Bank of Tennessee in Mount Juliet, Tennessee. Interested persons may submit written comments to the Federal Reserve Bank of Atlanta or the Board of Governors; comments must be received by December 18, 2025.
ESOP plans 25.85% stake in Horicon Bank
The Horicon Bank Profit Sharing and Employee Stock Ownership Plan filed to acquire 25.85 percent of the voting shares of Sword Financial Corporation and thereby indirectly acquire voting shares of Horicon Bank in Horicon, Wisconsin. The Federal Reserve is accepting written comments on this application until December 18, 2025.
Bradford Bancorp to acquire State Bank
Bradford Bancorp, Inc. applied to acquire State Bank of St. Jacob in St. Jacob, Illinois. Members of the public may file written comments with the Federal Reserve Bank of St. Louis or the Board of Governors; comments must be received by December 18, 2025.
Baldwin Bancshares seeks holding company status
Baldwin Bancshares, Inc. filed to become a bank holding company by acquiring The Baldwin State Bank in Baldwin City, Kansas. The Federal Reserve will accept comments on this application until December 18, 2025.
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