Federal Reserve Reviews Bank Control and Share Acquisition Notices
Published Date: 9/23/2025
Notice
Summary
If you want to buy or keep big shares in a bank or bank holding company, you need to tell the Federal Reserve and wait for their okay. People affected include shareholders and banks involved in these deals. You’ve got until October 8, 2025, to send your comments, so don’t miss the deadline to have your say!
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Public comment window and disclosure rules
If you want to comment on these bank control applications, the Federal Reserve must receive your written comments by October 8, 2025. Comments are subject to public disclosure (they will generally be made available without change), and you should not include confidential or identifying information in your submission.
Specific ESOP application to retain bank voting shares
The filing lists Southern Illinois Bancorp, Inc. Employee Stock Ownership Plan (ESOP) and named trustees seeking to retain voting shares of Southern Illinois Bancorp, Inc., and thereby indirectly retain voting shares of The First National Bank of Carmi in Carmi, Illinois. The public portions of the application are available for inspection at the Federal Reserve Bank indicated and at the Board's offices.
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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.
2026-06545 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you want to buy or keep a big chunk of a bank or its parent company, you need to tell the Federal Reserve and wait for their thumbs-up. People who want to make these moves must share info publicly and accept comments until April 20, 2026. This keeps bank ownership clear and fair, so everyone knows who’s in charge and when changes happen.
2026-06101 — 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 April 29, 2026. This process affects banks, investors, and the public, making sure big bank moves are safe and fair.
2026-05961 — Regulatory Capital Rule (Regulation Q): Risk-Based Capital Surcharges for Global Systemically Important Bank Holding Companies; Systemic Risk Report (FR Y-15)
Big banks that matter most to the U.S. economy will see changes in how their risk-based capital surcharges are calculated. The new rules tweak formulas, smooth out data bumps, and update reports to better match real-world risks, with adjustments for growth and inflation each year. These updates aim to keep our financial system safer, and banks need to get ready by June 18, 2026, to share their thoughts.
2026-05960 — Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets
Big banks and community banks are getting new rules to better measure the risks in their loans and investments. The changes update how banks count certain assets and income when figuring out their safety net money, called regulatory capital. These updates aim to make banks safer and smarter with their money, with some rules kicking in soon and affecting how much capital banks need to hold.
2026-05993 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If someone wants to buy or control shares in a bank or bank holding company, they have to tell the Federal Reserve first. People can check these plans and share their thoughts by April 13, 2026. This keeps bank ownership clear and fair, making sure big money moves get a thumbs-up from the government.
Previous / Next Documents
Previous: 2025-18434 — 26North BDC, Inc., et al.
26North BDC and its related companies want permission to team up and invest together in the same businesses, which usually isn’t allowed. This change affects investors and the companies involved by making joint investments easier and potentially more profitable. If no one objects by October 14, 2025, the SEC will approve this new way to work together.
Next: 2025-18436 — Notice of Proposals To Engage in or To Acquire Companies Engaged in Permissible Nonbanking Activities
Some companies want to start or buy businesses that do activities related to banking but aren’t banks themselves. The Federal Reserve is letting the public know and asking for comments by October 8, 2025. This affects companies across the U.S. and helps keep banking activities safe and fair.
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