Weekly Banking Bulletin

June 19, 2026

SECTION I

This section records the receipt of applications and notices to the Banking Division of the Department of Financial Services.   Applications and notices received by Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services are listed in order of date of receipt; applications and notices received by Mortgage Banking are listed at the end of Section I by type of application or notice.  THE WEEKLY BULLETIN CONSTITUTES THE ONLY WRITTEN NOTIFICATION OF THESE SUBMISSIONS THAT WILL BE ISSUED BY THE DEPARTMENT.  Any comment on, or objection to, any item contained in this Weekly Bulletin should be presented to the Department within 10 calendar days of the date of this bulletin, unless a different time period is specified in the item.  More specifically, such comments or objections, including any that concern CRA-related applications, should be either 
(a) delivered by mail or in person to Office of the General Counsel, New York State Department of Financial Services, One State Street, New York, New York 10004-1417 before the stated deadline or (b) transmitted by 
email to [email protected].

SECTION II

This section records actions taken by the Superintendent of Financial Services, and other information concerning the activities of the Banking Division of the Department of Financial Services.  Actions relating to institutions supervised by Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services are listed in order of date of action; actions relating to institutions supervised by Mortgage Banking are listed at the end of Section II by type of action taken.

GENERAL INFORMATION

Each item in the Weekly Bulletin is identified by a two-letter code indicating the type of institution and a three-letter code indicating the unit of the Department which has supervisory responsibility for the institution.  The following is a list of the codes and their meanings:

Institution Codes

SECTION I

June 12, 2026 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY 
One M&T Plaza, Buffalo, NY 14203

Application dated June 12, 2026, for permission to open and occupy a branch office at 184 Kukas Lane, Waterbury, Naugatuck Valley Planning Region, Connecticut 06705, received.

June 15, 2026 (TM-LFS)
SHOPIFY FINANCIAL SERVICES INC
85 10th Ave, Suite 800,  New York, NY 10011

Application received for a license to engage in business as a transmitter of money.

The publication of receipt of this application does not indicate that the application is deemed complete.  An application is deemed complete and filed when all required and requested information has been provided to the Department by the applicant.

June 16, 2026 (SF-LFS)
UPSTART NETWORK, INC. DBA UPSTART   
2950 South Delaware Street, Suite 410, San Mateo, California, 94403

Notification received for a change of main address from 2950 South Delaware Street, Suite 410, San Mateo, California, 94403 to 220 Park Road, Suite 500, Burlingame, San Mateo County, California, 94010.

The publication of receipt of this notification does not indicate that the notification is deemed complete.  A notification is deemed complete and filed when all required and requested information has been provided to the Department by the licensee.

June 17, 2026 (MI-CRB)
CENTENNIAL BANK
620 Chestnut Street, Conway, AR 72032

Application dated June 15, 2026, for permission to change the location of branch office from 12 East 49th Street, (28th Floor), Borough of Manhattan, City of New York 10017 to 12 East 49th Street, (34th Floor), Borough of Manhattan, City of New York 10017, received.

Article 12-E Applications Received.  Individuals listed may not engage in mortgage loan origination activities prior to the approval of their application for licensing.  They must also complete all required education, testing and bonding requirements by the dates set forth in Part 420 of the Superintendent’s Regulations which may be found on the Department’s website.

SECTION II
 
June 10, 2026 (MI-CRB)
ARROW FINANCIAL CORPORATION 
250 Glen Street, Glens Falls, NY 12801

Application, pursuant to Section 143-b of the Banking Law, to acquire control of Adirondack Bank, Utica, New York, approved.

June 12, 2026 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorization granting permission to open and occupy a branch office at the following 4 locations, surrendered for cancellation:

7 Main Street, Camden, Oneida County, New York 13316;
123 East Buffalo Street, Ithaca, Tompkins County, New York 14850;
780 Roosevelt Trail, Windham, Cumberland County, Maine 04062; and
50 Main Street, Windsor, Windsor County, Vermont 05089.

Offices discontinued as of June 11, 2026.

June 16, 2026 (SB-CRB)
FULTON SAVINGS BANK 
75 South First Street, Fulton, NY 13069

Applicant was notified that no objection would be interposed to the establishment of an electronic facility (automated teller machine) at Byrne Dairy, Inc., 825 South First Street, Town of Volney, Oswego County, New York 13069.

License issued to engage in business as a Mortgage Banker Branch under Article 12-D of the New York Banking Law:

June 11, 2026 (MB-MBD)
Full Service Branch
CrossCountry Mortgage, LLC
210 Old Country Road, Suite 101, Mineola, NY 11501

June 11, 2026 (MB-MBD)
Full Service Branch
UIF Corporation
251 John James Audubon Pkwy, 1st Floor, Suite 144, Amherst, NY 14228

June 11, 2026 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
325 Claremont Avenue, Unit 6, Montclair, NJ 07042

License to engage in business as a Mortgage Banker Branch surrendered:

June 12, 2026 (MB-MBD)
CMG Mortgage, Inc.
6 W Marlborough St., Newport, RI 02840
Effective Date: June 8, 2026

June 16, 2026 (MB-MBD)
Everett Financial, Inc.
401 Pratt Avenue NW, Huntsville, AL 35801
Effective Date: June 12, 2026

Certificate to engage in business as a Mortgage Broker Branch surrendered:

June 12, 2026 (BR-MBD)
Go Rascal Inc.
15250 Ventura Blvd, Suite 410, Sherman Oaks, CA 91403
Effective Date: June 8, 2026

Mortgage Banker Branch License Address Changes:

June 17, 2026 (MB-MBD)
Guaranteed Rate, Inc.
From: 1300 S.E. Stark Street, Suite 111, Portland, OR 97214
To: 630 Fort Vancouver Way, Vancouver, WA 98661