Bank Branches › Closed and merged banks › California › First Counties Bank
What happened to First Counties Bank?
First Counties Bank in Clearlake, CA (earlier called Clear Lake National Bank) merged into Westamerica Bank of San Rafael, CA on Sep 16, 2000. Westamerica Bank is open today.
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.
- 1985Clear Lake National Bank opens in Clearlake, CA
- Jan 28, 1998renamed First Counties Bank
- Sep 16, 2000MERGEDFirst Counties Bank merged into Westamerica Bank of San Rafael, CA.FDIC certificate 26250 ends; its business continues under certificate 3430.
- TodayOPEN
Westamerica BankMain office San Rafael, CA · FDIC certificate 3430 · 75 offices in 1 state on June 30, 2026Every Westamerica Bank office → Website on file with the FDIC: www.westamerica.com
If you still have something from First Counties Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First Counties Bank as lienholder, start with Westamerica 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 Westamerica Bank to search for the account under the name First Counties 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 Westamerica Bank which branch now holds boxes from the First Counties 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
6 offices filed under this charter in some year from 1994 on. 1 is still open as of June 30, 2026.
| Office | Now |
|---|---|
| 21058 Calistoga RoadMiddletown, CA | OpenWestamerica Bank |
| 13300 East Highway 20, Unit LClearlake, CA | No longer reported |
| 15145 Lakeshore DriveClearlake, CA | No longer reported |
| 457 Seventh StreetWilliams, CA | No longer reported |
| 1255 Lincoln AvenueCalistoga, CA | No longer reported |
| 14883 Lakeshore DriveClearlake, CA | No longer reported |
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 26250 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.