Federal Reserve Eyes Bank Holding Company Mergers and Formations
Published Date: 3/21/2025
Notice
Summary
Some companies want to become bank holding companies or merge with banks, and the Federal Reserve is reviewing their applications. If you’re interested, you can share your thoughts by April 21, 2025. These changes could shake up who controls certain banks and might affect local banking options and money moves.
Analyzed Economic Effects
3 provisions identified: 0 benefits, 0 costs, 3 mixed.
Avidia Bancorp merger (Hudson, MA)
Avidia Bancorp of Hudson, Massachusetts filed to become a bank holding company by merging with Assabet Valley Bancorp Interim Merger Subsidiary (in formation) and thereby acquire Avidia Bank in Hudson, MA in connection with Assabet Valley Bancorp's conversion from mutual to stock form. Comments on this application must be received by April 21, 2025.
North Texas Bancshares acquisition (Moody, TX)
North Texas Bancshares, Inc., Frisco, Texas, filed to become a bank holding company by acquiring Reynolds, Teague, Thurman Financial Corp., and thereby indirectly acquiring The First National Bank of Moody in Moody, Texas. Comments on this application must be received by April 21, 2025.
Public comments and disclosure rules
You may submit written comments on these applications to the indicated Federal Reserve Banks or the Board of Governors; comments must be received by April 21, 2025. Comments received will be made public without change, so do not include confidential, contact, or other identifying information; public portions of the applications are available at the listed Federal Reserve Banks and from the Board's FOIA office at https://www.federalreserve.gov/foia/request.htm.
Your PRIA Score
Personalized for You
How does this regulation affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this federal register document and every other regulation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Key Dates
Related Federal Register Documents
2025-21626 — Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
Big U.S. banks that are super important to the economy are getting new rules to keep them safer and stronger. These changes tweak how much money they must keep on hand and how they handle long-term debt, helping prevent financial trouble. The new rules kick in soon and could affect how these banks manage billions in assets and debt.
2026-11978 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If someone wants to buy enough shares to control a bank or bank holding company, they have to tell the Federal Reserve first. People can check these plans and share their thoughts by June 30, 2026. This keeps bank ownership clear and fair, making sure big changes don’t sneak by unnoticed.
2026-11522 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you or your family want to buy or control shares in a bank or bank holding company, you need to tell the Federal Reserve and wait for approval. The Federal Reserve reviews these requests carefully and invites the public to share their thoughts by June 24, 2026. This keeps bank ownership clear and fair, making sure big money moves get the green light before they happen.
2026-11523 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Some companies want to become bank holding companies or merge with others, which means they’ll control banks or other financial businesses. If you want to share your thoughts, you’ve got until July 9, 2026, to send comments. These changes could shake up local banking, so keep an eye on who’s joining forces and when!
2026-11448 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
Some folks want to buy shares in banks or bank companies, and the Federal Reserve is checking their applications to make sure everything’s fair and safe. If you want to share your thoughts, you’ve got until June 23, 2026, to speak up! This process helps keep banks strong and protects everyone’s money.
2026-11355 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Mascoma Mutual Financial Services from New Hampshire is merging with Androscoggin Bancorp in Maine and will also take over Portland Trust Company to offer trust services. This means bigger banking options and new services for customers in these areas. The Federal Reserve fixed a previous notice to make sure everyone knows the details clearly.
Previous / Next Documents
Previous: 2025-04873 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
Some folks want to buy shares in banks or bank companies, and the Federal Reserve is checking their applications to make sure everything’s fair and safe. If you want to share your thoughts, you’ve got until April 7, 2025, to speak up. This process helps keep banks strong and protects your money!
Next: 2025-04875 — Polyethylene Retail Carrier Bags From Malaysia: Final Results of Antidumping Duty Administrative Review; 2022-2023
The U.S. checked if Malaysia’s plastic shopping bags were being sold too cheaply here from August 2022 to July 2023 and found they weren’t. This means no extra taxes or fees will be added to these bags right now. Businesses importing these bags can keep things running smoothly without surprise costs.