Bank Branches › Closed and merged banks › California › Capitol Thrift and Loan Association
What happened to Capitol Thrift and Loan Association?
Capitol Thrift and Loan Association in Napa, CA merged into Capitol Valley Bank of Roseville, CA on Jan 1, 2002. After 2 more changes of hands, what was Capitol Thrift and Loan Association is today part of Columbia Bank (Roseburg, OR).
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.
- 1982Capitol Thrift and Loan Association opens in Napa, CA
- Jan 1, 2002MERGEDCapitol Thrift and Loan Association merged into Capitol Valley Bank of Roseville, CA.FDIC certificate 26244 ends; its business continues under certificate 35124.
- May 31, 2002MERGEDCapitol Valley Bank of Roseville, CA merged into Humboldt Bank of Eureka, CA.FDIC certificate 35124 ends; its business continues under certificate 27582.
- Jul 10, 2004MERGEDHumboldt Bank of Eureka, CA merged into Umpqua Bank of Roseburg, OR.FDIC certificate 27582 ends; its business continues under certificate 17266.
- TodayOPEN
Columbia BankMain office Roseburg, OR · FDIC certificate 17266 · 360 offices in 8 states on June 30, 2026Every Columbia Bank office → Website on file with the FDIC: www.columbiabank.com/
If you still have something from Capitol Thrift and Loan Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Capitol Thrift and Loan Association as lienholder, start with Columbia 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 Columbia Bank to search for the account under the name Capitol Thrift and Loan Association. 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 Columbia Bank which branch now holds boxes from the Capitol Thrift and Loan Association 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
15 offices filed under this charter in some year from 1994 on. None is still reporting as of June 30, 2026.
| Office | Now |
|---|---|
| 101 South School StreetLodi, CA | No longer reported |
| 3692 Sunnyside DriveRiverside, CA | No longer reported |
| 1377 West Shaw Avenue, Suite 101Fresno, CA | No longer reported |
| 539 West Lancaster BoulevardLancaster, CA | No longer reported |
| 102 East Badillo StreetCovina, CA | No longer reported |
| 7317 Clairemont Mesa BoulevardSan Diego, CA | No longer reported |
| 920 Franklin StreetNapa, CA | No longer reported |
| 1400 Second StreetNapa, CA | No longer reported |
| 1436 Second StreetNapa, CA | No longer reported |
| 401 Vernon StreetRoseville, CA | No longer reported |
| 1731 J StreetSacramento, CA | No longer reported |
| 3242 Stevens Creek BoulevardSan Jose, CA | No longer reported |
| 1800 Mount Diablo StreetConcord, CA | No longer reported |
| 81-703 Highway 111Indio, CA | No longer reported |
| 438 East Katella AvenueOrange, CA | No longer reported |
Banks folded into Capitol Thrift and Loan Association
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Orange Coast Thrift and Loan AssociationLos Alamitos, CA | Jun 27, 1986 |
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 26244 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.