Bank Branches › Closed and merged banks › Michigan › Northern Michigan Bank & Trust
What happened to Northern Michigan Bank & Trust?
Northern Michigan Bank & Trust in Escanaba, MI (earlier called Northern Michigan Savings Bank, FSB and 2 other names) merged into First Bank, Upper Michigan of Gladstone, MI on Nov 4, 2017. First Bank, Upper Michigan is open today.
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.
- 1986Northern Michigan Savings Bank, FSB opens in Escanaba, MI
- Mar 1, 1991renamed Northern Michigan Savings Bank
- Jul 22, 1992renamed Northern Michigan Bank
- Jan 26, 2000renamed Northern Michigan Bank & Trust
- Nov 4, 2017MERGEDNorthern Michigan Bank & Trust merged into First Bank, Upper Michigan of Gladstone, MI.FDIC certificate 32436 ends; its business continues under certificate 14276.
- TodayOPEN
First Bank, Upper MichiganMain office Gladstone, MI · FDIC certificate 14276 · 9 offices in 1 state on June 30, 2026Every First Bank, Upper Michigan office → Website on file with the FDIC: www.first-bank.com
If you still have something from Northern Michigan Bank & Trust
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Northern Michigan Bank & Trust as lienholder, start with First Bank, Upper Michigan. 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 First Bank, Upper Michigan to search for the account under the name Northern Michigan Bank & Trust. 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 First Bank, Upper Michigan which branch now holds boxes from the Northern Michigan Bank & Trust 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
12 offices filed under this charter in some year from 1994 on. 6 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 1502 W Washington StMarquette, MI | OpenFirst Bank, Upper Michigan |
| 1921 3rd Ave NEscanaba, MI | OpenFirst Bank, Upper Michigan |
| 600 S Carpenter AveKingsford, MI | OpenFirst Bank, Upper Michigan |
| 500 S Stephenson AveIron Mountain, MI | OpenFirst Bank, Upper Michigan |
| 1269 US 2 and 41Bark River, MI | OpenFirst Bank, Upper Michigan |
| 743 Palms Avenue, US Highway 41Ishpeming, MI | OpenFirst Bank, Upper Michigan |
| 4 Tipperary RoadGladstone, MI | No longer reported |
| 1921 3rd Avenue NorthEscanaba, MI | No longer reported |
| 1001 M 28 East, Suite 10Marquette, MI | No longer reported |
| 301 North Lincoln AvenueEscanaba, MI | No longer reported |
| 1 Main StreetRapid River, MI | No longer reported |
| 1401 O'dovero DriveMarquette, MI | No longer reported |
Banks folded into Northern Michigan Bank & Trust
2 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Northern Michigan Bank of MarquetteMarquette, MI | Jan 8, 1986 |
| Northern Michigan Bank of KingsfordKingsford, MI | Jan 8, 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 32436 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.