Bank Branches › Closed and merged banks › Kansas › Mid-Continent Federal Savings Bank
What happened to Mid-Continent Federal Savings Bank?
Mid-Continent Federal Savings Bank in El Dorado, KS (earlier called Mid-Continent Federal Savings and Loan Association and 1 other name) merged into Commercial Federal Bank, a Federal Savings Bank of Omaha, NE on Feb 27, 1998. After 2 more changes of hands, what was Mid-Continent Federal Savings Bank is today part of BMO Bank National Association (Chicago, IL).
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.
- 1925Mid-Continent Federal Savings and Loan Association opens in El Dorado, KS
- Apr 30, 1988renamed Mid-Continent Federal Savings and Loan Association of El Dorado
- Jun 27, 1994renamed Mid-Continent Federal Savings Bank
- Feb 27, 1998MERGEDMid-Continent Federal Savings Bank merged into Commercial Federal Bank, a Federal Savings Bank of Omaha, NE.FDIC certificate 28919 ends; its business continues under certificate 30341.
- Dec 3, 2005MERGEDCommercial Federal Bank, a Federal Savings Bank of Omaha, NE merged into Bank of the West of San Francisco, CA.FDIC certificate 30341 ends; its business continues under certificate 3514.
- Feb 2, 2023MERGEDBank of the West of San Francisco, CA merged into BMO Harris Bank National Association of Chicago, IL.FDIC certificate 3514 ends; its business continues under certificate 16571.
- TodayOPEN
BMO Bank National AssociationMain office Chicago, IL · FDIC certificate 16571 · 988 offices in 23 states on June 30, 2026Every BMO Bank National Association office → Website on file with the FDIC: www.bmo.com
If you still have something from Mid-Continent Federal Savings Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Mid-Continent Federal Savings Bank as lienholder, start with BMO 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 BMO Bank National Association to search for the account under the name Mid-Continent Federal Savings 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 BMO Bank National Association which branch now holds boxes from the Mid-Continent Federal Savings 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
10 offices filed under this charter in some year from 1994 on. 2 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 100 W 12th StNewton, KS | OpenBMO Bank National Association |
| 1113 Main StWinfield, KS | OpenBMO Bank National Association |
| 405 North MainEl Dorado, KS | No longer reported |
| 2310 South MainWinfield, KS | No longer reported |
| 1420 N. OhioAugusta, KS | No longer reported |
| 300 N. Rock RdDerby, KS | No longer reported |
| 2123 N. Maize Rd.Wichita, KS | No longer reported |
| 255 N. MainWichita, KS | No longer reported |
| 3055 N. Rock Rd.Wichita, KS | No longer reported |
| 762 N. WestWichita, KS | No longer reported |
Banks folded into Mid-Continent Federal Savings Bank
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Reserve Savings and Loan AssociationWichita, KS | Aug 31, 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 28919 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.