Bank Branches › Closed and merged banks › Massachusetts › Commerce Bank & Trust Company
What happened to Commerce Bank & Trust Company?
Commerce Bank & Trust Company in Worcester, MA merged into Berkshire Bank of Pittsfield, MA on Oct 13, 2017. After 1 more change of hands, what was Commerce Bank & Trust Company is today part of Beacon Bank and Trust (Boston, MA).
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.
- 1955Commerce Bank & Trust Company opens in Worcester, MA
- Oct 13, 2017MERGEDCommerce Bank & Trust Company merged into Berkshire Bank of Pittsfield, MA.FDIC certificate 17484 ends; its business continues under certificate 23621.
- Sep 2, 2025MERGEDBerkshire Bank of Pittsfield, MA merged into Beacon Bank and Trust of Boston, MA.FDIC certificate 23621 ends; its business continues under certificate 17798.
- TodayOPEN
Beacon Bank and TrustMain office Boston, MA · FDIC certificate 17798 · 150 offices in 5 states on June 30, 2026Every Beacon Bank and Trust office → Website on file with the FDIC: www.beaconbank.com
If you still have something from Commerce Bank & Trust Company
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Commerce Bank & Trust Company as lienholder, start with Beacon Bank and Trust. 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 Beacon Bank and Trust to search for the account under the name Commerce Bank & Trust Company. 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 Beacon Bank and Trust which branch now holds boxes from the Commerce Bank & Trust Company 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
18 offices filed under this charter in some year from 1994 on. 14 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 386 Main StWorcester, MA | OpenBeacon Bank and Trust |
| 25 Worcester RdWebster, MA | OpenBeacon Bank and Trust |
| 5 E Main StWestborough, MA | OpenBeacon Bank and Trust |
| 560 Park AveWorcester, MA | OpenBeacon Bank and Trust |
| 226 Boston TpkeShrewsbury, MA | OpenBeacon Bank and Trust |
| 1055 Main StHolden, MA | OpenBeacon Bank and Trust |
| 11 Park AveWorcester, MA | OpenBeacon Bank and Trust |
| 320 W Boylston StWest Boylston, MA | OpenBeacon Bank and Trust |
| 993 Grafton StWorcester, MA | OpenBeacon Bank and Trust |
| 1320 Washington StBoston, MA | OpenBeacon Bank and Trust |
| 413 Washington StBrighton, MA | OpenBeacon Bank and Trust |
| 61 Brookline Ave # 65Boston, MA | OpenBeacon Bank and Trust |
| 565 Main StLeominster, MA | OpenBeacon Bank and Trust |
| 91 Main StMilford, MA | OpenBeacon Bank and Trust |
| 322 Maple StMarlborough, MA | No longer reported |
| 404 Main StWorcester, MA | No longer reported |
| 451 Lincoln StreetWorcester, MA | No longer reported |
| 240 Main StreetWorcester, MA | No longer reported |
Banks folded into Commerce Bank & Trust Company
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Mercantile Bank and Trust CompanyBoston, MA | Aug 25, 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 17484 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.