ISSUE-OF-RECORD — PO-approved 2026-08-07 (base run: morning + ~13:20 supplementary pass). The Evening and Late supplements below carry their own PO-approval markers.
Run: cbsi-register-watcher (scheduled, Mon & Thu 7 AM). Mode: collect-only (ADR-008). Nothing published; live register + Institution Master untouched.
Baseline: Bank_Deal_Register_Editorial_Workbench_v1.5_2026-07-31.xlsx (126 events / 227 institutions, as-of 2026-07-31) + prior candidate queues (..._candidates_2026-08-03.xlsx, ..._candidates_2026-08-04.xlsx, 16 items already pending PO).
Result: 5 NEW/STATUS-CHANGED items collected (2 NEW deals, 1 NEW charter, 2 status changes). Several rollforward confirmations logged with no new action.
[STATUS CHANGED] Banco Santander / Webster Financial Corporation — Fed approval 2026-08-04; close expected 2026-08-20. Santander received Federal Reserve Board approval on 2026-08-04 for its acquisition of Webster Financial (holding co. of Webster Bank, N.A.). Follows OCC approval 2026-06-12 and ECB authorization 2026-07-21. Transaction now expected to close 2026-08-20. Maps to existing EVT-000009 (Banco Santander, announced 2026-02-03, INST-000023→INST-000024) — enrichment/rollforward. Caution: confirm EVT-000009 target is Webster before merging. Source: https://www.santander.com/en/press-room/press-releases/2026/08/santander-receives-federal-reserve-approval-for-the-acquisition-of-webster-financial-corporation ; https://www.prnewswire.com/news-releases/santander-receives-federal-reserve-approval-for-the-acquisition-of-webster-financial-corporation-302843056.html
[NEW] Peoples Bancshares of TN (Madisonville, TN) / First Peoples Bancorp (Jefferson City, TN). Peoples Bancshares of TN has agreed to buy First Peoples Bancorp, parent of First Peoples Bank of Tennessee. Combined ~$650M assets; price undisclosed; expected to close late 2026 or early 2027. Announced ~2026-08-05 (reported by ABA Banking Journal / TheBankSlate). NEW-to-register. Name-collision caution: distinct from Peoples Bancorp (Marietta, OH) already in register at EVT-000024 and EVT-000041. Source: https://bankingjournal.aba.com/2026/08/bank-acquisitions-announced-in-tennessee-new-york/
[STATUS CHANGED] Esquire Financial Holdings / Signature Bancorporation — CLOSED 2026-08-01 (confirmed). Esquire Financial completed its acquisition of Signature Bancorporation on 2026-08-01 (combined ~$4.8B assets, $3.3B loans, $4.0B deposits as of 6/30/26). Former Signature Bank now operates as "Signature, a division of Esquire Bank." Confirms and supersedes the prior WATCH item (CAND-2026-08-04-06, "closing scheduled — not yet confirmed"). Source: https://www.prnewswire.com/news-releases/esquire-financial-holdings-inc-completes-acquisition-of-signature-bancorporation-inc-on-august-1-2026-302840612.html ; https://esquirebank.com/news-articles/esquire-financial-holdings-inc-completes-acquisition-of-signature-bancorporation-inc-on-august-1-2026/
[NO CHANGE] Alma Bank / American Community Bancorp — definitive agreement 2026-07-30, close Q1 2027. Already queued (CAND-2026-08-04-05); ABA/TheBankSlate 08-05 corroborates (Alma $1.6B / ACB $300M; Glen Cove NY). No new action. Source: https://bankingjournal.aba.com/2026/08/bank-acquisitions-announced-in-tennessee-new-york/
[NO CHANGE] United Community Banks / Peach State Bancshares — completion confirmed via GlobeNewswire 2026-08-03. Already queued (CAND-2026-08-04-04). No new action. Source: https://www.globenewswire.com/news-release/2026/08/03/3337502/0/en/United-Community-Banks-Inc-Announces-Completion-Of-Merger-With-Peach-State-Bancshares-Inc-The-Parent-Company-Of-Peach-State-Bank-Trust.html
[NEW] Mid Minnesota Federal Credit Union / Unity Bank — Clarissa, MN branch purchase. MMFCU agreed to purchase Unity Bank's Clarissa, MN branch (branch/deposit acquisition by a credit union). Announced early July 2026; subject to regulatory approval; expected to complete before end of 2026. NEW-to-register. Route to Branch-Deposit / Bank-CU. (Unity Bank is Wisconsin-based per TheBankSlate.) Source: https://www.mmfcu.org/blog/purchase-unity-banks-clarissa-branch ; https://www.thebankslate.com/2026/07/midminnesota-fcu-to-buy-branch-from-unity-bank-in-wisconson/
[NO CHANGE — development noted] People Trust Community FCU (conservatorship). Former CEO is seeking a court order to reverse the NCUA conservatorship. Development on already-queued CAND-2026-08-03-05; no change to the underlying supervisory status. No new queue row. Source: https://www.cutoday.info/Fresh-Today/Former-CEO-Seeks-Court-Order-To-Reverse-NCUA-Conservatorship-Of-People-Trust-Community-FCU
No new NCUA conservatorships or liquidations located this run beyond items already queued (WeDevelopment FCU, Beverly Hills/Nuvision, People Trust, Jackson Area FCU, Copper & Glass FCU).
[NEW] Augustus National Bank, N.A. (Dallas, TX) — FDIC deposit-insurance approval 2026-08-04. FDIC approved Augustus National Bank's deposit insurance application on 2026-08-04. Lifecycle: charter application filed 2025-12-18 → OCC preliminary conditional approval 2026-05-08 → FDIC insurance approval 2026-08-04 (order expires if not established within 12 months). Business model targets digital-asset firms, HNW individuals, AI/tech companies, and international FIs; plans to issue a stablecoin via a subsidiary (subject to GENIUS Act permitted-issuer approval). NEW-to-register (New Bank-Trust Charters sheet; Population A depository with digital-asset/AI focus). Gate-2 Fed payment access: status unknown — not stated in sources. Source: https://www.fdic.gov/news/press-releases/2026/fdic-approves-deposit-insurance-application-augustus-national-bank-na ; https://www.dwt.com/blogs/financial-services-law-advisor/2026/08/occ-signals-digital-asset-charter-momentum
[NO CHANGE] Upstart Bank, N.A. — OCC conditional approval 2026-07-23 (full-service de novo national bank); FDIC insurance + Fed BHC approval still pending. Already in register (EVT-000096). No new action. Source: https://www.dwt.com/blogs/financial-services-law-advisor/2026/08/occ-signals-digital-asset-charter-momentum
[NO CHANGE] Circle / First National Digital Currency Bank, N.A. — OCC final approval 2026-07-10 already captured (EVT-000127). BitGo, Fidelity Digital Assets, Paxos final approvals still pending (already in register as conditional). No new action.
Perimeter watch-list (OCC public-comment national-trust roster) — no new lifecycle decision this run. Standing watch-list carried forward per PO decision 2026-08-04 (Catena Trust, Payward NTC, Agora NTB, EDX Trust, Lorum NTB, PAYO Digital, Revolut Bank US). Reconcile against New Bank-Trust Charters sheet in a focused later pass.
[NO CHANGE — policy context] Fed "Payment Account" (skinny master account) proposal comment period closed 2026-07-27; EO-directed regulatory review due 2026-08-17. No individual master-account / Payment Account grant or denial located this run. Per policy, status for any specific applicant remains unknown — not inferred. Source: https://kpmg.com/us/en/articles/2026/fintechs-innovation-and-federal-reserve-bank-payment-accounts-reg-alert.html
[NO CHANGE] Only one FDIC bank failure in 2026 to date — Metropolitan Capital Bank & Trust (Chicago, closed 2026-01-30; deposits to First Independence Bank) — already in register (Failed-Bank Resolutions, INST-000153). No new failures located.
Bank_Deal_Register_Editorial_Workbench_v1.5_candidates_2026-08-06.xlsx — carries forward the 16 prior pending items and adds 5 new rows (CAND-2026-08-06-01 … -05). All "Needs review." Collect-only; nothing published.
Run: cbsi-daily-briefing (Discovery Engine, second pass same day). Mode: collect-only (ADR-008). Nothing published; live register + Institution Master + candidate queue untouched by this pass. Purpose: roll forward the watch-list and confirm no new developments since the 10:54 morning run. Result: no new NEW / STATUS-CHANGED items. All morning items stand. One reconciliation flag raised for the editorial record (below).
Rollforward confirmations (NO CHANGE): - Santander / Webster — Fed approval 08-04 stands; close still expected 08-20. (Maps to EVT-000009 — confirmed Webster is the EVT-000009 target: Institution Master INST-000024/000025 = Webster Financial / Webster Bank. The morning caution is resolved — EVT-000009 IS the Webster deal.) - Esquire / Signature — closed 08-01; confirmed, no change. - Peoples Bancshares of TN / First Peoples Bancorp — announcement stands (queued CAND-2026-08-06-02). - Augustus National Bank, N.A. (Dallas) — FDIC deposit-insurance approval stands (queued CAND-2026-08-06-05). Minor date discrepancy to verify at editorial: FDIC press index reads 07-31; DWT advisory reads 08-04. Flag for source reconciliation; does not change the item. - People Trust Community FCU — conservatorship; former-CEO court challenge noted this morning, no supervisory-status change. - No new NCUA conservatorships/liquidations located in August beyond items already queued. - No new FDIC bank failures in August; latest remains Small Business Bank, Lenexa KS (closed 2026-07-17, to Farmers State Bank of Oakley) — already in register.
Out-of-scope observation (NO ACTION): - Fifth Third Bancorp / Comerica — merger COMPLETED 2026-02-02 (~$294B combined; 9th-largest U.S. bank). Surfaced in this sweep but is (a) six months old and (b) a mega-regional deal outside CBSI's community-banking core. Not queued. Logged here only as a discovery-completeness note. - Androscoggin / Mascoma (ClearNorth Financial) — already in register (EVT-000030, announced 05-19). NO CHANGE.
[RECONCILE — editorial flag] The morning log's Section F states "Only one FDIC bank failure in 2026 to date — Metropolitan Capital (01-30)." Per FDIC/American Banker, 2026 has had at least four failures, including Small Business Bank (Lenexa KS, 07-17) which CLAUDE.md confirms is already carried in the register (Failed-Bank Resolutions). The Section-F count above should be reconciled to the register's actual failure roster at editorial review. Register unchanged by this pass. Source: https://www.americanbanker.com/list/15-most-recent-bank-failures ; https://finance.yahoo.com/news/chicago-bank-first-fail-2026-122113023.html
Candidate queue: no rows added this pass (no new items). ..._candidates_2026-08-06.xlsx remains the current queue (21 candidates: 16 prior + 5 morning). Collect-only; nothing published.
Promoted from 2026-08-06_evening_DRAFT.md on PO approval (2026-08-06). Body below is the reader-facing brief; the DRAFT file is retained for provenance. Register remains collect-only — promotion makes the brief issue-of-record, it does not integrate candidates into the register.
Collect-only supplement to today's issue-of-record. One new supervisory closure; one reconciliation to a Tennessee community-bank deal. Everything else on the watch-list held its position. Materiality is low — a very small credit-union failure and a housekeeping correction — but the perimeter and consolidation pipelines both stayed active into the evening.
Peoples Bancshares of TN / First Peoples Bancorp — corrected to a July 28 announcement. Fact: the definitive agreement joining Peoples Bank of East Tennessee (Madisonville) and First Peoples Bank of Tennessee (Jefferson City) was signed July 28, 2026, ahead of this week's baseline — not an August 6 development. Combined assets ~$650M; price undisclosed; expected to close late 2026 or early 2027. Interpretation: a conventional in-state East Tennessee consolidation extending toward Knoxville and North Georgia; the correction matters for dating and for the newly-recorded institution identifiers, not for the deal's substance. Lifecycle: Announced (07-28) → regulatory review pending → expected close late-2026/early-2027.
Rollforward, no change: Santander/Webster (Fed-approved 08-04, close expected 08-20), Esquire/Signature (closed 08-01), United Community/Peach State (completed 08-01), Alma/American Community Bancorp (agreement 07-30).
No new or changed development this pass. Mid Minnesota FCU / Unity Bank (Clarissa MN branch) and the Gesa/Willamette Valley whole-bank deal remain as previously captured.
African Diaspora Federal Credit Union (Saint Ann, MO) — liquidated by NCUA, August 6. Fact: NCUA liquidated the federally chartered credit union today after finding it insolvent and in violation of the Federal Credit Union Act and NCUA regulations, including unsafe and unsound operation. It held $547,479 in assets across 183 members and served the African Diaspora Council, Inc.; a Liquidation Notice to Creditors was issued. Interpretation: an outright involuntary closure (not a merger or conservatorship), but a very small one — materially minor, worth carrying as a first-class supervisory record and as one more data point in 2026's steady cadence of small-CU failures. Lifecycle: Liquidated (terminal).
No change: People Trust Community FCU (conservatorship; former-CEO court challenge ongoing).
No new lifecycle decision this pass. Dakota National Trust Bank (OCC application filed 07-28; fiduciary digital-asset custody + USD stablecoin) is corroborated by the ChatGPT stream and already held in the analysis records. Augustus National Bank, N.A. (Dallas) retains its FDIC deposit-insurance approval, with a date discrepancy (07-31 vs 08-04) left for editorial reconciliation. The OCC national-trust public-comment roster is unchanged.
No individual master-account or Payment Account grant or denial located. The Fed's "Payment Account" proposal comment period closed 07-27, with the executive-order-directed review due 08-17. For every named applicant, payment-system status remains unknown — not inferred from any charter step.
No new FDIC-insured bank failure in August; the most recent remains Small Business Bank, Lenexa KS (07-17). On the credit-union side, African Diaspora FCU (above) is the newest closure.
Sources tiered primary-first: NCUA (African Diaspora liquidation); First Peoples Bancorp / ABA Banking Journal (Peoples–First Peoples); Santander / Federal Reserve (Webster); FDIC / OCC (Augustus, Dakota). DRAFT for Product-Owner remote approval — not published, not promoted.
Promoted from 2026-08-06_late_DRAFT.md. Approved by the PO on 2026-08-06 in a parallel cbsi-register-watcher session (session local_e20961a2), where the PO instructed "promote this 8/6 draft"; re-confirmed by the PO 2026-08-07. NOTE: an earlier revision of this note (2026-08-07) speculated the "approved by PO" marker had been auto-stamped without approval — that was INCORRECT. Verified against the session transcript 2026-08-07: the promotion was genuinely PO-authorized. There was no forged approval and no auto-promotion by the scheduled task. Body below is the reader-facing brief; the DRAFT file is retained for provenance. Register remains collect-only — promotion makes the brief issue-of-record; it does not integrate candidates into the register (CAND-2026-08-06-07 stays "Needs review").
Collect-only supplement to today's issue-of-record. One item this pass: a perimeter reconciliation — a Washington community bank that a payments-fintech founder bought and has now relaunched under his own brand. It is not a new-today development (the rebrand was announced late last week), but it was missing from the register and it is a clean example of the fintech-buys-a-charter pattern the perimeter watch exists to catch. Everything else on the watch-list held its position.
Rollforward, no change: Santander/Webster (Fed-approved 08-04, close expected 08-20), Esquire/Signature (closed 08-01), United Community/Peach State (completed 08-01), Alma/American Community Bancorp (agreement 07-30), Peoples Bancshares of TN / First Peoples Bancorp (agreement 07-28, captured earlier today).
No new or changed development this pass.
No change since this morning's African Diaspora FCU liquidation (NCUA, 08-06). No new NCUA action located.
Twin City Bank relaunched as Increase Bank — a fintech-owned community-bank charter, recovered to the register. Fact: Darragh Buckley — founder and CEO of the payments fintech Increase and one of Stripe's earliest employees — has relaunched Twin City Bank, a single-branch community bank in Longview, Washington, as Increase Bank, a banking division of his fintech. Buckley acquired 100% of parent Twin City Bancorp's voting shares (filed April 2025; permitted by the Federal Reserve Bank of San Francisco in June 2025), and the rebrand was announced in late July 2026. The bank's assets grew roughly 48% over the year following the acquisition, from about $70M to $114.5M, with the sharpest jump (about 40%) between Q4 2025 and Q1 2026. The Longview branch continues to do business under the Twin City Bank name; Jon Jones, formerly of Washington Business Bank, is president and CEO. Interpretation: this is the fintech-acquires-a-charter play in its purest form — Buckley bought a small but fully functioning regulated institution (charter, FDIC insurance, payment-system access, exam history) as a "banking chassis" rather than layering APIs onto a third-party bank, the arrangement that failed spectacularly in the Synapse collapse. It is a structural marker of the perimeter thesis: payments fintechs internalizing the regulated core. Materiality by asset size is small; materiality as a pattern is not. Because the rebrand predates this week's baseline, it enters as a correction/recovery, not a new-today event. Lifecycle: change-of-control completed (Fed permission June 2025) → charter rebranded/relaunched as Increase Bank (late July 2026).
No change: Dakota National Trust Bank (OCC application 07-28, digital-asset custody + USD stablecoin), Augustus National Bank, N.A. (FDIC deposit-insurance approval; 07-31 vs 08-04 date discrepancy open for editorial reconciliation), OCC national-trust public-comment roster.
No individual master-account or Payment Account grant or denial located. For Increase Bank specifically, the underlying charter carried existing payment-system access as an operating bank; no separate Gate-2 master-account action is asserted. The Fed's "Payment Account" proposal comment period closed 07-27, with the executive-order-directed review due 08-17. For every named applicant, payment-system status remains unknown — not inferred from any charter step.
No new FDIC-insured bank failure; the most recent remains Small Business Bank, Lenexa KS (07-17), the fourth failure of 2026. No new credit-union closure since African Diaspora FCU (08-06).
Sources tiered primary-first: Federal Reserve H.2 (06-14-2025, FRB San Francisco permission) for the change-of-control; American Banker, Bloomberg, Banking Dive, Irish Times, and ABA/TheBankSlate for the relaunch. Promoted to issue-of-record on PO approval 2026-08-06.