Bank Branches › Closed and merged banks › New York › MSB Bank
What happened to MSB Bank?
MSB Bank in Middletown, NY (earlier called Middletown Savings Bank) merged into Bank of the Hudson of Poughkeepsie, NY on May 30, 1998. After 2 more changes of hands, what was MSB Bank is today part of TD 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.
- 1869Middletown Savings Bank opens in Middletown, NY
- Oct 27, 1995renamed MSB Bank
- May 30, 1998MERGEDMSB Bank merged into Bank of the Hudson of Poughkeepsie, NY.FDIC certificate 16005 ends; its business continues under certificate 31995.
- Mar 26, 1999MERGEDBank of the Hudson of Poughkeepsie, NY merged into Hudson United Bank of Mahwah, NJ.FDIC certificate 31995 ends; its business continues under certificate 12256.
- Jan 31, 2006MERGEDHudson United Bank of Mahwah, NJ merged into TD BankNorth, National Association of Wilmington, DE.FDIC certificate 12256 ends; its business continues under certificate 18409.
- TodayOPEN
TD Bank, National AssociationMain office Wilmington, DE · FDIC certificate 18409 · 1,050 offices in 16 states on June 30, 2026Every TD Bank, National Association office → Website on file with the FDIC: www.td.com/us/en/personal-banking/
If you still have something from MSB Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows MSB Bank as lienholder, start with TD 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 TD Bank, National Association to search for the account under the name MSB 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 TD Bank, National Association which branch now holds boxes from the MSB 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
16 offices filed under this charter in some year from 1994 on. 5 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 515 Route State Road 17mMonroe, NY | OpenTD Bank, National Association |
| 468 Route 211Middletown, NY | OpenTD Bank, National Association |
| 800 BroadwayNewburgh, NY | OpenTD Bank, National Association |
| 78 Brookside AveChester, NY | OpenTD Bank, National Association |
| 205 E Main StPort Jervis, NY | OpenTD Bank, National Association |
| 156 Dolson AveMiddletown, NY | No longer reported |
| 260 Route 32Central Valley, NY | No longer reported |
| 15 Matthews StreetGoshen, NY | No longer reported |
| 4 South StreetMiddletown, NY | No longer reported |
| 74 North Main StreetLiberty, NY | No longer reported |
| 285 BroadwayMonticello, NY | No longer reported |
| 96 Gleneida AvenueCarmel, NY | No longer reported |
| 9 Mahopac PlazaMahopac, NY | No longer reported |
| 136 Newburgh MallNewburgh, NY | No longer reported |
| 51 Main StreetWarwick, NY | No longer reported |
| 21 East Main StreetWashingtonville, NY | 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 16005 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.