Bank Branches › Closed and merged banks › Missouri › Commerce Bank of St. Charles County, National Association
What happened to Commerce Bank of St. Charles County, National Association?
Commerce Bank of St. Charles County, National Association in St. Peters, MO (earlier called Commerce Bank of St. Charles and 1 other name) merged into Commerce Bank of St. Louis, National Association of Clayton, MO on Jun 1, 1991. After 3 more changes of hands, what was Commerce Bank of St. Charles County, National Association is today part of Commerce Bank (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.
- 1870Commerce Bank of St. Charles opens in St. Peters, MO
- Jan 2, 1981renamed Commerce Bank of St. Charles, National Association
- Jan 1, 1985renamed Commerce Bank of St. Charles County, National Association
- Jun 1, 1991MERGEDCommerce Bank of St. Charles County, National Association merged into Commerce Bank of St. Louis, National Association of Clayton, MO.FDIC certificate 13826 ends; its business continues under certificate 13730.
- Dec 29, 1995MERGEDCommerce Bank of St. Louis, National Association (by then renamed Commerce Bank, National Association) of Clayton, MO merged into Commerce Bank, National Association of Clayton, MO.FDIC certificate 13730 ends; its business continues under certificate 1657.
- Dec 31, 1996MERGEDCommerce Bank, National Association of Clayton, MO merged into Commerce Bank of Hannibal, National Association of Clayton, MO.FDIC certificate 1657 ends; its business continues under certificate 1425.
- Dec 31, 1997MERGEDCommerce Bank of Hannibal, National Association (by then renamed Commerce Bank, National Association) of Clayton, MO merged into Commerce Bank, National Association of Kansas City, MO.FDIC certificate 1425 ends; its business continues under certificate 24998.
- TodayOPEN
Commerce BankMain office Kansas City, MO · FDIC certificate 24998 · 151 offices in 9 states on June 30, 2026Every Commerce Bank office → Website on file with the FDIC: www.commercebank.com
If you still have something from Commerce Bank of St. Charles County, National Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Commerce Bank of St. Charles County, National Association as lienholder, start with Commerce Bank. 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 Commerce Bank to search for the account under the name Commerce Bank of St. Charles County, National Association. 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 Commerce Bank which branch now holds boxes from the Commerce Bank of St. Charles County, National Association 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.
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 ▾
Banks folded into Commerce Bank of St. Charles County, National Association
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Commerce Bank of WentzvilleWentzville, MO | Jan 1, 1985 |
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 13826 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.