Bank Branches › Closed and merged banks › South Dakota › Western Bank
What happened to Western Bank?
Western Bank in Sioux Falls, SD (earlier called Western State Bank) merged into First Bank of South Dakota (National Association) of Sioux Falls, SD on Jun 17, 1995. After 3 more changes of hands, what was Western Bank is today part of U.S. Bank National Association (Cincinnati, OH).
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.
- 1959Western State Bank opens in Sioux Falls, SD
- Sep 2, 1980renamed Western Bank
- Jun 17, 1995MERGEDWestern Bank merged into First Bank of South Dakota (National Association) of Sioux Falls, SD.FDIC certificate 18122 ends; its business continues under certificate 4017.
- Jun 1, 1997MERGEDFirst Bank of South Dakota (National Association) of Sioux Falls, SD merged into First Bank National Association of Minneapolis, MN.FDIC certificate 4017 ends; its business continues under certificate 5199.
- Jul 11, 1997MERGEDFirst Bank National Association of Minneapolis, MN merged into First National Bank of East Grand Forks of Minneapolis, MN.FDIC certificate 5199 ends; its business continues under certificate 5134.
- Aug 9, 2001MERGEDFirst National Bank of East Grand Forks (by then renamed U.S. Bank National Association) of Minneapolis, MN merged into U.S. Bank National Association of Cincinnati, OH.FDIC certificate 5134 ends; its business continues under certificate 6548.
- TodayOPEN
U.S. Bank National AssociationMain office Cincinnati, OH · FDIC certificate 6548 · 2,097 offices in 29 states on June 30, 2026Every U.S. Bank National Association office → Website on file with the FDIC: www.usbank.com
If you still have something from Western Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Western Bank as lienholder, start with U.S. 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 U.S. Bank National Association to search for the account under the name Western 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 U.S. Bank National Association which branch now holds boxes from the Western 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
8 offices filed under this charter in some year from 1994 on. 2 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 5501 W 41st StSioux Falls, SD | OpenU.S. Bank National Association |
| 1500 N Minnesota AveSioux Falls, SD | OpenU.S. Bank National Association |
| 103 S Main AveHartford, SD | No longer reported |
| 1800 W 12th StSioux Falls, SD | No longer reported |
| 200 East 4th StreetColton, SD | No longer reported |
| 1808 South Cliff AvenueSioux Falls, SD | No longer reported |
| Main StreetHumboldt, SD | No longer reported |
| 100 North Phillips AvenueSioux Falls, SD | No longer reported |
Banks folded into Western Bank
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Community BankHartford, SD | Jun 17, 1983 |
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 18122 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.