Bank Branches › Closed and merged banks › Wisconsin › Wisconsin Bank & Trust
What happened to Wisconsin Bank & Trust?
Wisconsin Bank & Trust in Madison, WI (earlier called Cottage Grove State Bank and 1 other name) merged into HTLF Bank of Denver, CO on Feb 10, 2023. After 1 more change of hands, what was Wisconsin Bank & Trust is today part of UMB Bank, National Association (Kansas City, MO).
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.
- 1911Cottage Grove State Bank opens in Madison, WI
- Nov 1, 1997renamed Wisconsin Community Bank
- Jul 13, 2012renamed Wisconsin Bank & Trust
- Feb 10, 2023MERGEDWisconsin Bank & Trust merged into HTLF Bank of Denver, CO.FDIC certificate 13023 ends; its business continues under certificate 58458.
- Feb 1, 2025MERGEDHTLF Bank of Denver, CO merged into UMB Bank, National Association of Kansas City, MO.FDIC certificate 58458 ends; its business continues under certificate 8273.
- TodayOPEN
UMB Bank, National AssociationMain office Kansas City, MO · FDIC certificate 8273 · 192 offices in 14 states on June 30, 2026Every UMB Bank, National Association office → Website on file with the FDIC: www.umb.com
If you still have something from Wisconsin Bank & Trust
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Wisconsin Bank & Trust as lienholder, start with UMB 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 UMB Bank, National Association to search for the account under the name Wisconsin Bank & Trust. 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 UMB Bank, National Association which branch now holds boxes from the Wisconsin Bank & Trust 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
22 offices filed under this charter in some year from 1994 on. 13 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 119 Junction RdMadison, WI | OpenUMB Bank, National Association |
| 1717 10th StMonroe, WI | OpenUMB Bank, National Association |
| 655 S Taylor DrSheboygan, WI | OpenUMB Bank, National Association |
| 3220 S Business DrSheboygan, WI | OpenUMB Bank, National Association |
| 274 Osthoff AveElkhart Lake, WI | OpenNational Exchange Bank and Trust |
| 10 Keystone PkwyPlatteville, WI | OpenUMB Bank, National Association |
| 5380 N Port Washington RdGlendale, WI | OpenUMB Bank, National Association |
| 580 N Main StCottage Grove, WI | OpenUMB Bank, National Association |
| 305 S Madison StLancaster, WI | OpenCommunity First Bank |
| 2511 Eastern AvePlymouth, WI | OpenUMB Bank, National Association |
| 4210 State Highway 42Sheboygan, WI | OpenUMB Bank, National Association |
| 6131 Nesbitt RdFitchburg, WI | OpenUMB Bank, National Association |
| 1265 E Chestnut StChilton, WI | OpenNational Exchange Bank and Trust |
| 1510 Highway 41De Pere, WI | No longer reported |
| 119 Junction RoadMadison, WI | No longer reported |
| 1160 Fond Du Lac AvenueSheboygan Falls, WI | No longer reported |
| 4131 West Loomis RoadGreenfield, WI | No longer reported |
| 604 North 8th StreetSheboygan, WI | No longer reported |
| 5310 Century AvenueMiddleton, WI | No longer reported |
| 3525 N Percival StreetHazel Green, WI | No longer reported |
| 4706 South Taylor DriveSheboygan, WI | No longer reported |
| 2741 North Clairemont AvenueEau Claire, WI | No longer reported |
Banks folded into Wisconsin Bank & Trust
2 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Community Bank & TrustSheboygan, WI | Jan 17, 2015 |
| The First National Bank of PlattevillePlatteville, WI | Nov 17, 2012 |
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 13023 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.