Bank Branches › Closed and merged banks › California › Commerce Security Bank
What happened to Commerce Security Bank?
Commerce Security Bank in Sacramento, CA (earlier called Commerce Savings Bank) merged into Eldorado Bank of Tustin, CA on Jun 30, 1997. After 2 more changes of hands, what was Commerce Security Bank is today part of Zions Bancorporation, N.A. (Salt Lake City, UT).
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.
- 1985Commerce Savings Bank opens in Sacramento, CA
- Mar 13, 1991renamed Commerce Security Bank
- Jun 30, 1997MERGEDCommerce Security Bank merged into Eldorado Bank of Tustin, CA.FDIC certificate 32318 ends; its business continues under certificate 20676.
- Mar 30, 2001MERGEDEldorado Bank of Tustin, CA merged into California Bank & Trust of San Diego, CA.FDIC certificate 20676 ends; its business continues under certificate 20852.
- Dec 31, 2015MERGEDCalifornia Bank & Trust of San Diego, CA merged into Zions First National Bank of Salt Lake City, UT.FDIC certificate 20852 ends; its business continues under certificate 2270.
- TodayOPEN
Zions Bancorporation, N.A.Main office Salt Lake City, UT · FDIC certificate 2270 · 409 offices in 11 states on June 30, 2026Every Zions Bancorporation, N.A. office → Website on file with the FDIC: www.zionsbancorporation.com
If you still have something from Commerce Security Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Commerce Security Bank as lienholder, start with Zions Bancorporation, N.A.. 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 Zions Bancorporation, N.A. to search for the account under the name Commerce Security 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 Zions Bancorporation, N.A. which branch now holds boxes from the Commerce Security 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
2 offices filed under this charter in some year from 1994 on. None is still reporting as of June 30, 2026.
| Office | Now |
|---|---|
| 1545 River Park DriveSacramento, CA | No longer reported |
| 1981 North Broadway, Suite 275Walnut Creek, CA | 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 32318 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.