Bank Branches › Closed and merged banks › Utah › Empire State Bank of Layton
What happened to Empire State Bank of Layton?
Empire State Bank of Layton in Layton, UT merged into Clearfield State Bank of Clearfield, UT on Oct 30, 1985. The chain runs 2 steps further and ends with no operating bank.
The chain, step by step
From the day it opened to the last entry on record. Each step is one entry in the FDIC's record.
- 1980Empire State Bank of Layton opens in Layton, UT
- Oct 30, 1985MERGEDEmpire State Bank of Layton merged into Clearfield State Bank of Clearfield, UT.FDIC certificate 23203 ends; its business continues under certificate 9207.
- May 19, 1994MERGEDClearfield State Bank (by then renamed Community First Bank) of Clearfield, UT merged into First Security Bank of Utah, National Association of Ogden, UT.FDIC certificate 9207 ends; its business continues under certificate 13718.
- date not recordedENDEDFirst Security Bank of Utah, National Association (by then renamed Wells Fargo Trust Company, National Association) of Ogden, UT left the FDIC's list of insured banks.FDIC certificate 13718 ends.
- NO SUCCESSOR BANK
The FDIC record ends here. No operating bank carries this charter today.
If you still have something from Empire State Bank of Layton
A lien that was never released
The FDIC record shows no successor bank for Empire State Bank of Layton. The FDIC says it may be able to help only where the lender was a failed bank placed in FDIC receivership.
Our suggestion, not the FDIC's: a title company or real-estate attorney in the county where the lien is recorded will know how that state clears a lien from a lender that no longer exists.
An old account, passbook or CD
With no successor bank to ask, go to the unclaimed-property program of the state of the owner's last known address on the bank's records. The OCC gives the same advice for old records from a bank that no longer exists.
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
Contents of boxes left behind are handled under state unclaimed-property law. Start with the unclaimed-property program of Utah, where the box was.
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.
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 ▾
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 23203 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.