Bank Branches › Closed and merged banks › Indiana › First National Bank & Trust
What happened to First National Bank & Trust?
First National Bank & Trust in Kokomo, IN (earlier called First National Bank) merged into Harris National Association of Chicago, IL on May 12, 2007. That bank is now called BMO Bank National Association (Chicago, IL).
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.
- 1945First National Bank opens in Kokomo, IN
- Mar 16, 1998renamed First National Bank & Trust
- May 12, 2007MERGEDFirst National Bank & Trust merged into Harris National Association of Chicago, IL.FDIC certificate 16298 ends; its business continues under certificate 16571.
- TodayOPEN
BMO Bank National AssociationMain office Chicago, IL · FDIC certificate 16571 · 988 offices in 23 states on June 30, 2026Every BMO Bank National Association office → Website on file with the FDIC: www.bmo.com
If you still have something from First National Bank & Trust
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First National Bank & Trust as lienholder, start with BMO 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 BMO Bank National Association to search for the account under the name First National 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 BMO Bank National Association which branch now holds boxes from the First National 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
37 offices filed under this charter in some year from 1994 on. 10 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 2800 S Reed RdKokomo, IN | OpenBMO Bank National Association |
| 2206 W Sycamore StKokomo, IN | OpenBMO Bank National Association |
| 32 S Court StSullivan, IN | OpenFirst Farmers Bank & Trust Co. |
| 89 N Jefferson StMartinsville, IN | OpenBMO Bank National Association |
| 7150 E 116th StFishers, IN | OpenBMO Bank National Association |
| 103 W National AveBrazil, IN | OpenFirst Farmers Bank & Trust Co. |
| 2110 Burton LnMartinsville, IN | OpenBMO Bank National Association |
| 801 Main StClay City, IN | OpenFirst Farmers Bank & Trust Co. |
| 2609 E Main St Ste GPlainfield, IN | OpenBMO Bank National Association |
| 2135 N Washington StKokomo, IN | OpenBMO Bank National Association |
| 20 Moore StreetMooresville, IN | No longer reported |
| 11592 Westfield BlvdCarmel, IN | No longer reported |
| 568 East Carmel DriveCarmel, IN | No longer reported |
| 107 West Logan StreetNoblesville, IN | No longer reported |
| 110 E Jefferson StTipton, IN | No longer reported |
| 9775 Fall Creek RdIndianapolis, IN | No longer reported |
| 3901 West 86th Street, Suite 121Indianapolis, IN | No longer reported |
| 1710 West Kem RoadMarion, IN | No longer reported |
| 3497 South U.S. Highway 41Terre Haute, IN | No longer reported |
| 722 East Main StreetRichmond, IN | No longer reported |
| 11612 North U.S. 41Farmersburg, IN | No longer reported |
| 201 West HarrisonCarlisle, IN | No longer reported |
| 12 West Mill StreetShelburn, IN | No longer reported |
| 340 Mall RoadLogansport, IN | No longer reported |
| 105 West Sycamore StreetKokomo, IN | No longer reported |
| 1931-35 South Elizabeth StreetKokomo, IN | No longer reported |
| 2825 South Washington StreetKokomo, IN | No longer reported |
| 101 West National AvenueBrazil, IN | No longer reported |
| Main StreetFairbanks, IN | No longer reported |
| 122 West Jackson StreetSullivan, IN | No longer reported |
| 322 North Main StreetKokomo, IN | No longer reported |
| 421 North Main StreetKokomo, IN | No longer reported |
| 3220 South Washington StreetMarion, IN | No longer reported |
| 10 North Sycamore StreetMartinsville, IN | No longer reported |
| 210 West Pike StreetMartinsville, IN | No longer reported |
| 9410 State Road 144Waverly, IN | No longer reported |
| 122 East Jefferson StreetTipton, IN | No longer reported |
Banks folded into First National Bank & Trust
4 banks merged directly into this charter; counting the banks those had absorbed earlier, 6 charters end up inside it.
| Bank | Ended |
|---|---|
| Harrington Bank, FSBRichmond, IN | Jan 18, 2002 |
| First Bank and TrustSullivan, IN | Mar 16, 1998 |
| First National Bank, MartinsvilleMartinsville, IN | Dec 31, 1992 |
| Farmers Loan and Trust CompanyTipton, IN | Jan 1, 1991 |
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 16298 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.