Bank Branches › Closed and merged banks › California › San Francisco Federal Savings and Loan Association
What happened to San Francisco Federal Savings and Loan Association?
San Francisco Federal Savings and Loan Association in San Francisco, CA merged into First Nationwide Bank, FSB of Dallas, TX on Feb 1, 1996. After 3 more changes of hands, what was San Francisco Federal Savings and Loan Association is today part of Citibank, National Association (Sioux Falls, SD).
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.
- 1935San Francisco Federal Savings and Loan Association opens in San Francisco, CA
- Feb 1, 1996MERGEDSan Francisco Federal Savings and Loan Association merged into First Nationwide Bank, FSB of Dallas, TX.FDIC certificate 29524 ends; its business continues under certificate 32643.
- Jan 3, 1997MERGEDFirst Nationwide Bank, FSB of Dallas, TX merged into California Federal Bank, A FSB of San Francisco, CA.FDIC certificate 32643 ends; its business continues under certificate 30278.
- Nov 13, 2002MERGEDCalifornia Federal Bank, A FSB (by then renamed California Federal Bank) of San Francisco, CA merged into Citibank (West), FSB of San Francisco, CA.FDIC certificate 30278 ends; its business continues under certificate 57443.
- Oct 1, 2006MERGEDCitibank (West), FSB (by then renamed West, National Association) of San Francisco, CA merged into Citibank, National Association of Sioux Falls, SD.FDIC certificate 57443 ends; its business continues under certificate 7213.
- TodayOPEN
Citibank, National AssociationMain office Sioux Falls, SD · FDIC certificate 7213 · 667 offices in 14 states on June 30, 2026Every Citibank, National Association office → Website on file with the FDIC: www.citibank.com
If you still have something from San Francisco Federal Savings and Loan Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows San Francisco Federal Savings and Loan Association as lienholder, start with Citibank, 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 Citibank, National Association to search for the account under the name San Francisco Federal Savings 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 Citibank, National Association which branch now holds boxes from the San Francisco Federal Savings 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
35 offices filed under this charter in some year from 1994 on. 8 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 99 Post StSan Francisco, CA | OpenCitibank, National Association |
| 3191 Mowry AveFremont, CA | OpenCitibank, National Association |
| 2401 El Camino RealPalo Alto, CA | OpenCitibank, National Association |
| 2101 University AvenueBerkeley, CA | OpenCitibank, National Association |
| 2198 Chestnut StSan Francisco, CA | OpenCitibank, National Association |
| 37 Orinda WayOrinda, CA | OpenCitibank, National Association |
| 1399 Post StSan Francisco, CA | OpenCitibank, National Association |
| 701 Irving StSan Francisco, CA | OpenCitibank, National Association |
| 230 Bon Air Ctr.Greenbrae, CA | No longer reported |
| 100 S. 1st St.Arcadia, CA | No longer reported |
| 1275 W. Redondo Beach BlvdGardena, CA | No longer reported |
| 2240 Otay Lakes Rd Suite 304Chula Vista, CA | No longer reported |
| 113-A N. El Camino RealEncinitas, CA | No longer reported |
| 8813 Villa LA Jolla DrLA Jolla, CA | No longer reported |
| 745 Coddingtown CenterSanta Rosa, CA | No longer reported |
| 1300 E 14th StreetSan Leandro, CA | No longer reported |
| 1995 41st AveCapitola, CA | No longer reported |
| 605 Trancas St.Napa, CA | No longer reported |
| 1399 Railroad AveSaint Helena, CA | No longer reported |
| 4005 Manzanita AveCarmichael, CA | No longer reported |
| 5610 Sunrise BlvdCitrus Heights, CA | No longer reported |
| 9601 Greenback Ln.Folsom, CA | No longer reported |
| 2101 J St.Sacramento, CA | No longer reported |
| 2717 Marconi AveSacramento, CA | No longer reported |
| 436 Howe AveSacramento, CA | No longer reported |
| 5962 Southland Park DrSacramento, CA | No longer reported |
| 630 Watt AveSacramento, CA | No longer reported |
| 7231 Greenhaven Dr.Sacramento, CA | No longer reported |
| 3614 Mount Diablo BlvdLafayette, CA | No longer reported |
| 1565 Tara Hills Dr.Pinole, CA | No longer reported |
| 2845 Bell Rd.Auburn, CA | No longer reported |
| 1950 Douglas Blvd #b7Roseville, CA | No longer reported |
| 350 S. San Antonio RdLos Altos, CA | No longer reported |
| 2401 El Camino RealPalo Alto, CA | No longer reported |
| 1399 Post StSan Francisco, CA | No longer reported |
Banks folded into San Francisco Federal Savings and Loan Association
3 banks merged directly into this charter; counting the banks those had absorbed earlier, 4 charters end up inside it.
| Bank | Ended |
|---|---|
| Capital Federal Savings and Loan AssociationSacramento, CA | Feb 29, 1988 |
| Napa Federal Savings and Loan AssociationNapa, CA | Dec 31, 1981 |
| First Federal Savings and Loan Association of CarmelCarmel, CA | Oct 31, 1981 |
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 29524 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.