Fed Announces Banks Still Doing Bank Things, World Continues
Published Date: 11/26/2025
Notice
Summary
Bank holding companies want to form, merge, or buy other banks, and the Federal Reserve is reviewing their applications. If you’re involved with these companies or just curious, you can comment by December 26, 2025. These moves could change who controls certain banks and might affect how money flows in your community.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 1 costs, 1 mixed.
Proposed local bank ownership change
The Adirondack Trust Company Employee Stock Ownership Trust applied to acquire additional voting shares of 473 Broadway Holding Corporation and thereby indirectly acquire additional voting shares of The Adirondack Trust Company in Saratoga Springs, New York. The Federal Reserve is accepting public comments on this application until December 26, 2025.
Public comments will be publicly disclosed
If you send a comment about any application, your comment will be made available to the public and generally will be released without changes. The notice warns you not to include confidential or identifying information because comments may include contact or business data that will be disclosed.
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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.
2026-11978 — 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: 2025-21245 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
Some folks want to buy or keep 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 December 11, 2025, to speak up! This process helps keep banks strong and protects everyone’s money.
Next: 2025-21247 — Agency Information Collection Activities; Submission to the Office of Management and Budget for Review and Approval; Comment Request; Student Assistance General Provisions-Financial Assistance for Students With Intellectual Disabilities
The Department of Education is asking to keep collecting info about financial help for students with intellectual disabilities, just like before. This affects schools and agencies that help these students, and they want your thoughts by December 26, 2025. No new costs or big changes are planned, but they want to make sure the process stays smooth and useful.