Bank Branches › Closed and merged banks › Colorado › The Berthoud National Bank
What happened to The Berthoud National Bank?
The Berthoud National Bank in Berthoud, CO merged into Centennial Bank of the West of Fort Collins, CO on Dec 31, 2001. After 3 more changes of hands, what was The Berthoud National Bank is today part of SouthState Bank, National Association (Winter Haven, FL).
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.
- 1892The Berthoud National Bank opens in Berthoud, CO
- Dec 31, 2001MERGEDThe Berthoud National Bank merged into Centennial Bank of the West of Fort Collins, CO.FDIC certificate 2996 ends; its business continues under certificate 15515.
- Jan 1, 2008MERGEDCentennial Bank of the West of Fort Collins, CO merged into Guaranty Bank and Trust Company of Denver, CO.FDIC certificate 15515 ends; its business continues under certificate 17482.
- Jan 1, 2019MERGEDGuaranty Bank and Trust Company of Denver, CO merged into Independent Bank of Mckinney, TX.FDIC certificate 17482 ends; its business continues under certificate 3076.
- Jan 1, 2025MERGEDIndependent Bank of Mckinney, TX merged into SouthState Bank, National Association of Winter Haven, FL.FDIC certificate 3076 ends; its business continues under certificate 33555.
- TodayOPEN
SouthState Bank, National AssociationMain office Winter Haven, FL · FDIC certificate 33555 · 349 offices in 8 states on June 30, 2026Every SouthState Bank, National Association office → Website on file with the FDIC: www.southstatebank.com
If you still have something from The Berthoud National Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows The Berthoud National Bank as lienholder, start with SouthState 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 SouthState Bank, National Association to search for the account under the name The Berthoud National 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 SouthState Bank, National Association which branch now holds boxes from the The Berthoud National 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
3 offices filed under this charter in some year from 1994 on. 1 is still open as of June 30, 2026.
| Office | Now |
|---|---|
| 807 Mountain AveBerthoud, CO | OpenSouthState Bank, National Association |
| 501 East Eighth AvenueYuma, CO | No longer reported |
| 923 Mountain AvenueBrethoud, CO | 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 2996 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.