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
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