Fed Scrutinizes Texas Bank Takeovers: Comment Now
Published Date: 11/28/2025
Notice
Summary
Some companies want to become bank holding companies or buy other banks, and the Federal Reserve is checking their applications. If you have thoughts, you can send comments by December 24, 2025. This process affects banks in Texas and could change who controls them, with no direct cost to the public but big moves in the banking world.
Analyzed Economic Effects
3 provisions identified: 2 benefits, 0 costs, 1 mixed.
Public comment chance on bank takeovers
You can send written comments on these bank holding company formation or acquisition applications. Comments must be received by December 24, 2025, and comments are subject to public disclosure, so do not include confidential personal or business information.
Applications available for public inspection
The public portions of the applications are available for immediate inspection at the Federal Reserve Bank(s) listed and at the Board of Governors offices. You can also request the information via the Board's Freedom of Information Office and may obtain expedited access by contacting the appropriate Federal Reserve Bank or the Board's FOIA office.
Two Texas bank control applications listed
The notice lists two pending applications: Third Coast Bancshares, Inc. (Houston, Texas) to acquire Keystone Bancshares, Inc. and thereby indirectly acquire Keystone Bank, SSB (Bee Cave, Texas); and CSBL Acquisition, Inc. (San Antonio, Texas) to become a bank holding company by acquiring Luling Bancshares, Inc. and thereby indirectly acquiring Citizens State Bank of Luling (Luling, Texas). These applications seek Board approval under the Bank Holding Company Act and Regulation Y.
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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.
2026-15774, Regulatory Modernization and Relief for Mutual Holding Companies
The Board invites comment on a notice of proposed rulemaking (proposal) to modernize the regulatory framework applicable to mutual holding companies (MHCs), primarily through proposed revisions to Regulation MM (12 CFR part 239), which governs the formation, operations, activities, and conversion of savings and loan holding companies in mutual form. The proposal would amend Regulation MM by, among other things, eliminating certain dividend waiver requirements, reducing burden associated with conversions from mutual-to-stock form, revising certain post-conversion restrictions, eliminating the requirement that subsidiary holding companies of MHCs obtain federal charters, and revising and clarifying other provisions of the regulation. The proposal also would amend the capital rule (12 CFR part 217) to clarify that certain mutual capital instruments may qualify as regulatory capital and to codify model term sheets for mutual capital certificates as appendices to the regulation.
2026-15777, Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks; Bank Holding Companies
The Board is inviting public comment on proposed amendments to Regulation O, which governs loans by member banks to their insiders and insiders of their affiliates. The proposed amendments would update and modernize the regulation, increase transparency by clarifying requirements and incorporating existing interpretations, and promote efficiency by reducing regulatory burden. The proposed amendments also would incorporate existing statutory requirements that are not currently reflected in the regulation. Moreover, the proposed amendments would update several outdated dollar-based thresholds in Regulation O and index these thresholds going forward. In addition, the proposed amendments would address the application of Regulation O to member banks that lend to companies that are presumed to be controlled by large asset management companies through passive investment funds. Finally, the proposed amendments would revise and reorganize the regulation to streamline the text and make it more accessible.
2026-14373, Formations of, Acquisitions by, and Mergers of Bank Holding Companies
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 August 17, 2026. This affects banks and their owners, and the process helps keep banking safe and fair.
2026-14064, Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Some companies want to become bank holding companies or buy banks, and the Federal Reserve is reviewing their applications. If you have thoughts, you can send comments by August 12, 2026. This affects banks, their owners, and the public, with no direct costs but important changes in who controls banks.
2026-14060, Inflation Adjustments for Civil Money Penalties
The Federal Reserve announced that civil money penalties won’t go up in 2026 because inflation data wasn’t available due to a government shutdown. This means businesses and individuals facing these penalties will see the same amounts as in 2025. The freeze keeps things steady until new inflation numbers come in next year.
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