Bank Branches › Closed and merged banks › Indiana › Sand Ridge Bank
What happened to Sand Ridge Bank?
Sand Ridge Bank in Highland, IN (earlier called Bank of Highland) merged into First Financial Bank, National Association of Cincinnati, OH on Aug 19, 2005. That bank is now called First Financial Bank (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.
- 1969Bank of Highland opens in Highland, IN
- Jan 2, 1995renamed Sand Ridge Bank
- Aug 19, 2005MERGEDSand Ridge Bank merged into First Financial Bank, National Association of Cincinnati, OH.FDIC certificate 20086 ends; its business continues under certificate 6600.
- TodayOPEN
First Financial BankMain office Cincinnati, OH · FDIC certificate 6600 · 162 offices in 5 states on June 30, 2026Every First Financial Bank office → Website on file with the FDIC: www.bankatfirst.com
If you still have something from Sand Ridge Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Sand Ridge Bank as lienholder, start with First Financial Bank. 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 First Financial Bank to search for the account under the name Sand Ridge 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 First Financial Bank which branch now holds boxes from the Sand Ridge 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
17 offices filed under this charter in some year from 1994 on. 8 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 450 W Us Highway 30Schererville, IN | OpenFirst Financial Bank |
| 2750 45th StHighland, IN | OpenFirst Financial Bank |
| 2611 Highway AveHighland, IN | OpenFirst Financial Bank |
| 241 W State StHastings, MI | OpenThe Huntington National Bank |
| 817 E Columbia StFlora, IN | OpenFirst Financial Bank |
| 358 W Main StRossville, IN | OpenFirst Financial Bank |
| 215 E Main StDelphi, IN | OpenFirst Financial Bank |
| 225 Pictoria DrSpringdale, OH | OpenFirst Financial Bank |
| 9632 Cline AveHighland, IN | No longer reported |
| 11890 Broadway AvenueCrown Point, IN | No longer reported |
| 1515 US Highway 41Schererville, IN | No longer reported |
| 2635 169th StreetHammond, IN | No longer reported |
| 12850 W. M-179 HighwayWayland, MI | No longer reported |
| 1600 Sagamore Parkway SouthLafayette, IN | No longer reported |
| 302 Ferry StreetLafayette, IN | No longer reported |
| Four East Main StreetFlora, IN | No longer reported |
| State Highway 29 & 22 NorthgBurlington, IN | No longer reported |
Banks folded into Sand Ridge Bank
2 banks merged directly into this charter; counting the banks those had absorbed earlier, 4 charters end up inside it.
| Bank | Ended |
|---|---|
| The Bright National BankFlora, IN | Nov 15, 2002 |
| National Bank of HastingsHastings, MI | Nov 15, 2002 |
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 20086 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.