Bank Branches › Closed and merged banks › New Hampshire › Franklin Co-operative Bank
What happened to Franklin Co-operative Bank?
Franklin Co-operative Bank in Franklin, NH merged into First Savings and Loan Association of New Hampshire of Exeter, NH on Feb 28, 1982. After 5 more changes of hands, what was Franklin Co-operative Bank is today part of Manufacturers and Traders Trust Company (Buffalo, 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.
- 1888Franklin Co-operative Bank opens in Franklin, NH
- Feb 28, 1982MERGEDFranklin Co-operative Bank merged into First Savings and Loan Association of New Hampshire of Exeter, NH.FDIC certificate 28125 ends; its business continues under certificate 30646.
- Oct 1, 1995MERGEDFirst Savings and Loan Association of New Hampshire of Exeter, NH merged into Vermont Federal Bank, FSB of Exeter, NH.FDIC certificate 30646 ends; its business continues under certificate 29649.
- Sep 22, 1997MERGEDVermont Federal Bank, FSB (by then renamed Vermont Federal National Bank) of Exeter, NH merged into Vermont National Bank of Brattleboro, VT.FDIC certificate 29649 ends; its business continues under certificate 6265.
- Mar 24, 2000MERGEDVermont National Bank of Brattleboro, VT merged into Chittenden Trust Company of Burlington, VT.FDIC certificate 6265 ends; its business continues under certificate 14149.
- Jan 1, 2009MERGEDChittenden Trust Company of Burlington, VT merged into People's United Bank of Bridgeport, CT.FDIC certificate 14149 ends; its business continues under certificate 27334.
- Apr 2, 2022MERGEDPeople's United Bank (by then renamed People's United Bank, National Association) of Bridgeport, CT merged into Manufacturers and Traders Trust Company of Buffalo, NY.FDIC certificate 27334 ends; its business continues under certificate 588.
- TodayOPEN
Manufacturers and Traders Trust CompanyMain office Buffalo, NY · FDIC certificate 588 · 957 offices in 14 states on June 30, 2026Every Manufacturers and Traders Trust Company office → Website on file with the FDIC: www.mtb.com
If you still have something from Franklin Co-operative Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Franklin Co-operative Bank as lienholder, start with Manufacturers and Traders Trust Company. 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 Manufacturers and Traders Trust Company to search for the account under the name Franklin Co-operative 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 Manufacturers and Traders Trust Company which branch now holds boxes from the Franklin Co-operative 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.
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 28125 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.