Bank Branches › Closed and merged banks › New York › Saratoga National Bank and Trust
What happened to Saratoga National Bank and Trust?
Saratoga National Bank and Trust in Saratoga Springs, NY merged into Glens Falls National Bank and Trust Company of Glens Falls, NY on Dec 31, 2024. That bank is now called Arrow Bank National Association (Glens Falls, NY).
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.
- 1988Saratoga National Bank and Trust opens in Saratoga Springs, NY
- Dec 31, 2024MERGEDSaratoga National Bank and Trust merged into Glens Falls National Bank and Trust Company of Glens Falls, NY.FDIC certificate 27290 ends; its business continues under certificate 7074.
- TodayOPEN
Arrow Bank National AssociationMain office Glens Falls, NY · FDIC certificate 7074 · 38 offices in 1 state on June 30, 2026Every Arrow Bank National Association office → Website on file with the FDIC: www.arrowbank.com
If you still have something from Saratoga National Bank and Trust
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Saratoga National Bank and Trust as lienholder, start with Arrow 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 Arrow Bank National Association to search for the account under the name Saratoga National Bank and Trust. 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 Arrow Bank National Association which branch now holds boxes from the Saratoga National Bank and Trust 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
13 offices filed under this charter in some year from 1994 on. 11 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 139 BroadwaySaratoga Springs, NY | OpenArrow Bank National Association |
| 3 Carpenter LnSaratoga Springs, NY | OpenArrow Bank National Association |
| 501 New Karner RdAlbany, NY | OpenArrow Bank National Association |
| 238 Main StCorinth, NY | OpenArrow Bank National Association |
| 386 Clifton Park Ctr RdClifton Park, NY | OpenArrow Bank National Association |
| 91 West AvenueSaratoga Springs, NY | OpenArrow Bank National Association |
| 3025 Route 50Wilton, NY | OpenArrow Bank National Association |
| 545 Troy Schenectady RdLatham, NY | OpenArrow Bank National Association |
| 1963 Altamont AveSchenectady, NY | OpenArrow Bank National Association |
| 120 Hoosick StTroy, NY | OpenArrow Bank National Association |
| 251 State StSchenectady, NY | OpenArrow Bank National Association |
| 4208 Route 50Saratoga Springs, NY | No longer reported |
| 227 Ballard RoadWilton, NY | 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 27290 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.