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.
2026-13690 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
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 August 6, 2026. This affects banks in Oklahoma, Texas, and even a Canadian bank looking to expand in the U.S., with no big money changes announced yet.
2026-13689 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you want to buy shares in a bank or a bank holding company, you need to tell the Federal Reserve first. They’re checking these requests carefully and want to hear from the public by July 22, 2026. This helps keep banks safe and fair while making sure everyone knows who’s in charge.
2026-13287 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
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2026-13067 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
Some folks want to buy more shares in banks or bank companies, and the Federal Reserve is checking their plans to keep things safe and fair. If you want to share your thoughts, you’ve got until July 14, 2026, to speak up! This process helps make sure big money moves in banks happen smoothly and openly.
2026-12697 — 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 on the up and up. If you want to share your thoughts, you’ve got until July 9, 2026, to speak up. This process helps keep banks safe and sound while letting new owners step in with the right approvals.
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