Bank Branches › Closed and merged banks › Maryland › Commercial and Farmers Bank
What happened to Commercial and Farmers Bank?
Commercial and Farmers Bank in Ellicott City, MD merged into Farmers & Mechanics National Bank of Frederick, MD on Dec 30, 1999. After 1 more change of hands, what was Commercial and Farmers Bank is today part of PNC Bank, National Association (Wilmington, DE).
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.
- 1934Commercial and Farmers Bank opens in Ellicott City, MD
- Dec 30, 1999MERGEDCommercial and Farmers Bank merged into Farmers & Mechanics National Bank of Frederick, MD.FDIC certificate 14844 ends; its business continues under certificate 4842.
- Sep 14, 2007MERGEDFarmers & Mechanics National Bank (by then renamed Farmers & Mechanics Bank) of Frederick, MD merged into PNC Bank, National Association of Wilmington, DE.FDIC certificate 4842 ends; its business continues under certificate 6384.
- TodayOPEN
PNC Bank, National AssociationMain office Wilmington, DE · FDIC certificate 6384 · 2,401 offices in 28 states on June 30, 2026Every PNC Bank, National Association office → Website on file with the FDIC: www.pnc.com
If you still have something from Commercial and Farmers Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Commercial and Farmers Bank as lienholder, start with PNC 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 PNC Bank, National Association to search for the account under the name Commercial and Farmers Bank. 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 PNC Bank, National Association which branch now holds boxes from the Commercial and Farmers Bank 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
9 offices filed under this charter in some year from 1994 on. 3 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 8593 Baltimore National PikeEllicott City, MD | OpenPNC Bank, National Association |
| 6130 Columbia Crossing CirColumbia, MD | OpenPNC Bank, National Association |
| 6245 Washington BlvdElkridge, MD | OpenPNC Bank, National Association |
| 611 Frederick RoadCatonsville, MD | No longer reported |
| 6430 Freetown RoadColumbia, MD | No longer reported |
| 9501 Old Annapolis RoadColumbia, MD | No longer reported |
| 12800 Route 144West Friendship, MD | No longer reported |
| 85 Main StreetEllicott City, MD | No longer reported |
| 6590 Old Waterloo RoadElkridge, MD | No longer reported |
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 14844 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.