De novo institutions

The agency began seeking comments in December through a "request for information" on how to improve the agency's process for considering new deposit insurance applications.

Shaza Andersen, a well-known banker around the nation's capital, would serve as Trustar Bank's CEO.

Three groups in North Carolina have scrapped plans to start banks because of difficulty raising capital, among other reasons.

Though it would be based in the nation's capital, MOXY Bank would also have significant operations in Charlotte, N.C.

Silver River Community Bank is the fifth de novo in Florida to apply with the FDIC in the last three years.

Organizers are planning to raise up to $25 million for Tandem Bank.

Spirit Community Bank is the 15th bank to get the agency's approval this year. That list also includes Community Bank of the Carolinas, which was approved in early December.

More banks were approved this year than any since the financial crisis. But challenges with raising capital, and a change in the political landscape, could deter prospective applicants next year.

The FDIC has approved more new banks this year than in the last four years combined. Here is a look at the class of 2018.

Millyard Bank aims to become the state's second post-crisis de novo. Primary Bank opened in 2015.