Bank Branches › Closed and merged banks › New York › Little Falls Building S and Loan Association
What happened to Little Falls Building S and Loan Association?
Little Falls Building S and Loan Association in Little Falls, NY merged into The Mohawk Valley Savings and Loan Association of Ilion, NY on Aug 31, 1979. After 3 more changes of hands, what was Little Falls Building S and Loan Association is today part of HSBC Bank USA, National Association (Tysons, VA).
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.
- 1913Little Falls Building S and Loan Association opens in Little Falls, NY
- Aug 31, 1979MERGEDLittle Falls Building S and Loan Association merged into The Mohawk Valley Savings and Loan Association of Ilion, NY.FDIC certificate 31948 ends; its business continues under certificate 30256.
- Aug 31, 1991MERGEDThe Mohawk Valley Savings and Loan Association (by then renamed Mohawk Valley Federal Savings Bank) of Ilion, NY merged into United Northern Federal Savings Bank of Watertown, NY.FDIC certificate 30256 ends; its business continues under certificate 30597.
- Oct 1, 1995MERGEDUnited Northern Federal Savings Bank of Watertown, NY merged into Marine Midland Bank of Buffalo, NY.FDIC certificate 30597 ends; its business continues under certificate 589.
- Jul 1, 2004MERGEDMarine Midland Bank (by then renamed HSBC Bank USA) of Buffalo, NY merged into HSBC Bank USA, National Association of Tysons, VA.FDIC certificate 589 ends; its business continues under certificate 57890.
- TodayOPEN
HSBC Bank USA, National AssociationMain office Tysons, VA · FDIC certificate 57890 · 21 offices in 7 states on June 30, 2026Every HSBC Bank USA, National Association office → Website on file with the FDIC: www.about.us.hsbc.com/hsbc-in-the-usa
If you still have something from Little Falls Building S and Loan Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Little Falls Building S and Loan Association as lienholder, start with HSBC Bank USA, 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 HSBC Bank USA, National Association to search for the account under the name Little Falls Building S 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 HSBC Bank USA, National Association which branch now holds boxes from the Little Falls Building S 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.
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 31948 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.