The Federal Reserve Board has terminated enforcement actions against Oregon Community Bank & Trust in Oregon, Wis., and Security Financial Bank and its holding company in Durand, Wis.

The companies have reached adequate capital levels since signing their consent orders.

Oregon Community, with $158 million in assets and three branches, entered a consent agreement with the Federal Reserve Bank of Chicago in 2010, which mandated improvements in management reviews, credit procedures and higher capital levels. The bank's Tier 1 leverage ratio stood at 13.51%, and its total risk-based capital at 18.41%, as of the end of 2012.

Security Financial's Tier 1 leverage ratio was 10.72% at yearend, and its total risk-based capital ratio was 21.98%. Its 2009 consent order with the Federal Reserve Bank of Minneapolis mandated greater board oversight and risk management, improved credit standards and higher capital levels.

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