Bank Branches › Closed and merged banks › Illinois › Mercantile Bank of Illinois
What happened to Mercantile Bank of Illinois?
Mercantile Bank of Illinois in Springfield, IL (earlier called First Bank and Trust Co. and 3 other names) merged into Firstar Bank, National Association of Cincinnati, OH on Apr 14, 2000. That bank is now called U.S. Bank National Association (Cincinnati, OH).
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1934First Bank and Trust Co. opens in Springfield, IL
- Jun 8, 1970renamed First Bank and Trust Co., Mt. Vernon
- Nov 19, 1993renamed Mercantile Bank of Mt. Vernon
- May 17, 1996renamed Mercantile Bank of Southern Illinois
- Jul 17, 1998renamed Mercantile Bank of Illinois
- Apr 14, 2000MERGEDMercantile Bank of Illinois merged into Firstar Bank, National Association of Cincinnati, OH.FDIC certificate 10025 ends; its business continues under certificate 6548.
- TodayOPEN
U.S. Bank National AssociationMain office Cincinnati, OH · FDIC certificate 6548 · 2,097 offices in 29 states on June 30, 2026Every U.S. Bank National Association office → Website on file with the FDIC: www.usbank.com
If you still have something from Mercantile Bank of Illinois
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Mercantile Bank of Illinois as lienholder, start with U.S. Bank National Association. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask U.S. Bank National Association to search for the account under the name Mercantile Bank of Illinois. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask U.S. Bank National Association which branch now holds boxes from the Mercantile Bank of Illinois office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
52 offices filed under this charter in some year from 1994 on. 24 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 2501 S Veterans PkwySpringfield, IL | OpenU.S. Bank National Association |
| 6940 Villagreen VwRockford, IL | OpenU.S. Bank National Association |
| 1702 Eastland DrBloomington, IL | OpenU.S. Bank National Association |
| 322 W Morton AveJacksonville, IL | OpenU.S. Bank National Association |
| 1116 N Carbon StMarion, IL | OpenU.S. Bank National Association |
| 205 S 5th StSpringfield, IL | OpenU.S. Bank National Association |
| 305 4th AveSterling, IL | OpenU.S. Bank National Association |
| 4100 Broadway StMount Vernon, IL | OpenU.S. Bank National Association |
| 1400 Charleston AveMattoon, IL | OpenU.S. Bank National Association |
| 2723 S 6th StSpringfield, IL | OpenU.S. Bank National Association |
| 50 W Douglas StFreeport, IL | OpenU.S. Bank National Association |
| 701 Public SqBenton, IL | OpenU.S. Bank National Association |
| 800 E North Grand AveSpringfield, IL | OpenU.S. Bank National Association |
| 1701 S West AveFreeport, IL | OpenU.S. Bank National Association |
| 160 Keul RdDixon, IL | OpenU.S. Bank National Association |
| 108 W Market StTaylorville, IL | OpenU.S. Bank National Association |
| 201 N Elm StCentralia, IL | OpenU.S. Bank National Association |
| 1107 E State StRockford, IL | OpenU.S. Bank National Association |
| 5629 N 2nd StLoves Park, IL | OpenU.S. Bank National Association |
| 606 S Winnebago RdWinnebago, IL | OpenU.S. Bank National Association |
| 240 E Main StCarlinville, IL | OpenU.S. Bank National Association |
| 510 8th StCarlyle, IL | OpenU.S. Bank National Association |
| 3210 11th StRockford, IL | OpenU.S. Bank National Association |
| 1401 S Main StNormal, IL | OpenU.S. Bank National Association |
| 701 North Court StreetMarion, IL | No longer reported |
| 430 Main StreetPecatonica, IL | No longer reported |
| 850 North Church StreetRockford, IL | No longer reported |
| Cherryvale MallRockford, IL | No longer reported |
| 5875 East Riverside BoulevardRockford, IL | No longer reported |
| 73 Central Park PlazaJacksonville, IL | No longer reported |
| 1801 West Morton RoadJacksonville, IL | No longer reported |
| 300 North Main StreetJacksonville, IL | No longer reported |
| 105 South Tenth StMount Vernon, IL | No longer reported |
| 990 12th StCarlyle, IL | No longer reported |
| 300 First AvenueRock Falls, IL | No longer reported |
| 120 S Front StCobden, IL | No longer reported |
| 500 East Cook StreetSpringfield, IL | No longer reported |
| 1911 Sangamon Avenue EastSpringfield, IL | No longer reported |
| 2801 Chatham RoadSpringfield, IL | No longer reported |
| 402 Richmond Avenue EastMattoon, IL | No longer reported |
Banks folded into Mercantile Bank of Illinois
11 banks merged directly into this charter; counting the banks those had absorbed earlier, 17 charters end up inside it.
| Bank | Ended |
|---|---|
| Central National Bank of MattoonMattoon, IL | Sep 18, 1998 |
| Elliott State BankJacksonville, IL | Sep 18, 1998 |
| The First National Bank of Central IllinoisSpringfield, IL | Sep 18, 1998 |
| First Trust and Savings Bank of TaylorvilleTaylorville, IL | Sep 18, 1998 |
| Farmers and Merchants Bank of CarlinvilleCarlinville, IL | Sep 18, 1998 |
| Homebanc, A Federal Savings BankRockford, IL | Jul 17, 1998 |
| Mercantile Bank of CentraliaCentralia, IL | May 17, 1996 |
| Mercantile Bank of FloraFlora, IL | May 17, 1996 |
| Mercantile Bank of CarlyleCarlyle, IL | May 17, 1996 |
| First Bank and Trust Co. of Williamson CountyMarion, IL | May 2, 1988 |
| The Ina State BankIna, IL | Apr 8, 1983 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 10025 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.