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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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.
2026-11522 — 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.
2026-11100 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Bank companies want to grow by forming new groups, buying other banks, or merging with them. If you’re involved with these companies, you can share your thoughts by July 3, 2026. These moves could change who controls local banks and might affect money and services in your community.
Previous / Next Documents
Previous: 2025-20195 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
Families and groups wanting to buy big chunks of banks or bank companies have to tell the Federal Reserve first. The Fed checks these plans carefully and lets the public see the details and share their thoughts by December 3, 2025. This keeps bank ownership clear and fair, making sure no surprises pop up with money or control.
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The Department of Defense is officially ending the Defense Advisory Committee on Women in the Services (DACOWITS) as of September 17, 2025, since it has completed its mission. This change affects the committee members and anyone following its work, with no new costs or ongoing activities expected. The DoD is wrapping up this chapter and moving forward confidently.