Bank Branches › Closed and merged banks › Iowa › Mercantile Bank of Cedar Rapids, Iowa
What happened to Mercantile Bank of Cedar Rapids, Iowa?
Mercantile Bank of Cedar Rapids, Iowa in Cedar Rapids, IA (earlier called United State Bank and 1 other name) merged into Mercantile Bank of Eastern Iowa of Waterloo, IA on Aug 17, 1996. After 2 more changes of hands, what was Mercantile Bank of Cedar Rapids, Iowa is today part of 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.
- 1922United State Bank opens in Cedar Rapids, IA
- May 21, 1991renamed Hawkeye Bank of Cedar Rapids
- Mar 16, 1996renamed Mercantile Bank of Cedar Rapids, Iowa
- Aug 17, 1996MERGEDMercantile Bank of Cedar Rapids, Iowa merged into Mercantile Bank of Eastern Iowa of Waterloo, IA.FDIC certificate 10112 ends; its business continues under certificate 11758.
- Aug 22, 1998MERGEDMercantile Bank of Eastern Iowa of Waterloo, IA merged into Mercantile Trust Company, National Association of St. Louis, MO.FDIC certificate 11758 ends; its business continues under certificate 33854.
- Aug 11, 2000MERGEDMercantile Trust Company, National Association of St. Louis, MO merged into Firstar Bank, National Association of Cincinnati, OH.FDIC certificate 33854 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 Cedar Rapids, Iowa
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Mercantile Bank of Cedar Rapids, Iowa 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 Cedar Rapids, Iowa. 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 Cedar Rapids, Iowa 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
12 offices filed under this charter in some year from 1994 on. 1 is still open as of June 30, 2026.
| Office | Now |
|---|---|
| 110 W 4th StVinton, IA | OpenU.S. Bank National Association |
| 110 West Fourth SteetVinton, IA | No longer reported |
| 111 Main StreetGarrison, IA | No longer reported |
| Interstate 380 At Exit 41Urbana, IA | No longer reported |
| 129 Sixteenth Avenue, S.W.Cedar Rapids, IA | No longer reported |
| 4444 1st Avenue NortheastCedar Rapids, IA | No longer reported |
| 1627 Hamilton Street, S.W.Cedar Rapids, IA | No longer reported |
| 1100 Old Marion Road, N.E.Cedar Rapids, IA | No longer reported |
| 320 North Third Street, S.E.Cedar Rapids, IA | No longer reported |
| 3414 Mount Vernon Road SoutheastCedar Rapids, IA | No longer reported |
| 102 E 5th StTipton, IA | No longer reported |
| 100 East 9th StreetTipton, IA | No longer reported |
Banks folded into Mercantile Bank of Cedar Rapids, Iowa
3 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Hawkeye Bank of TiptonTipton, IA | Mar 16, 1996 |
| Hawkeye Bank of VintonVinton, IA | Mar 16, 1996 |
| City National Bank of Cedar RapidsCedar Rapids, IA | Nov 23, 1993 |
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 10112 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.