Bank Branches › Closed and merged banks › Illinois › Citizens First National Bank
What happened to Citizens First National Bank?
Citizens First National Bank in Princeton, IL (earlier called Citizens First National Bank of Princeton) failed, and Heartland Bank and Trust Company of Bloomington, IL took it over on Nov 2, 2012. Heartland Bank and Trust Company 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.
- 1865Citizens First National Bank of Princeton opens in Princeton, IL
- Jan 11, 1991renamed Citizens First National Bank
- Nov 2, 2012FAILEDCitizens First National Bank failed, and Heartland Bank and Trust Company of Bloomington, IL took it over.FDIC certificate 3731 ends; its business continues under certificate 20369.
- TodayOPEN
Heartland Bank and Trust CompanyMain office Bloomington, IL · FDIC certificate 20369 · 85 offices in 3 states on June 30, 2026Every Heartland Bank and Trust Company office → Website on file with the FDIC: www.hbtbank.com
If you still have something from Citizens First National Bank
A lien that was never released
Citizens First National Bank failed on Nov 2, 2012. For a failed bank placed in FDIC receivership, the FDIC may be able to issue the lien release, if the loan was paid off to the bank before it failed or to the FDIC afterward. The FDIC says that where a failed bank had an acquirer, its records in most cases went to that acquirer. Here the chain from the acquirer leads to Heartland Bank and Trust Company, which is worth asking too.
Requests go through the FDIC Information and Support Center with the recorded mortgage or title, and proof of payoff. The FDIC says to allow 30 business days once it has every document, and does not take requests by phone or email. Questions: FDIC Resolution Inquiries, 888-206-4662, 8am–4pm Central on weekdays.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, Heartland Bank and Trust Company). Start with Heartland Bank and Trust Company, and ask them to search under the name Citizens First National Bank.
For failures since mid-1993 the law sets a clock: insured deposits not claimed within 18 months of the FDIC starting to pay depositors are offered to the state of the depositor's last known address on the bank's records. If the state takes them, the owner has 10 years to claim there before the money returns to the FDIC. Check FDIC unclaimed funds search and that state's unclaimed-property program.
A safe deposit box
The FDIC says that when a healthy bank assumes a failed bank's deposits, the branches usually reopen the next business day with box access. Today, ask Heartland Bank and Trust Company. A box abandoned for years may have been 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
24 offices filed under this charter in some year from 1994 on. 17 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 606 S Main StPrinceton, IL | OpenHeartland Bank and Trust Company |
| 925 Shooting Park RdPeru, IL | OpenHeartland Bank and Trust Company |
| 200 E Church StSandwich, IL | OpenHeartland Bank and Trust Company |
| 128 S Depot StSomonauk, IL | OpenHeartland Bank and Trust Company |
| 301 S Union StNewark, IL | OpenHeartland Bank and Trust Company |
| 14901 S Route 59Plainfield, IL | OpenHeartland Bank and Trust Company |
| 12101 Regency Square ParkwayHuntley, IL | OpenHeartland Bank and Trust Company |
| 819 Warner StHampshire, IL | OpenHeartland Bank and Trust Company |
| 327 W Main StGenoa, IL | OpenHeartland Bank and Trust Company |
| 2101 N Main StPrinceton, IL | OpenHeartland Bank and Trust Company |
| 500 Bob Blair RdMinooka, IL | OpenHeartland Bank and Trust Company |
| 501 W Walnut StOglesby, IL | OpenHeartland Bank and Trust Company |
| 100 E Dakota StSpring Valley, IL | OpenHeartland Bank and Trust Company |
| 1575 Ogden AveAurora, IL | OpenHeartland Bank and Trust Company |
| 703 3rd StHenry, IL | OpenHeartland Bank and Trust Company |
| 11500 E. Route 34Plano, IL | OpenHeartland Bank and Trust Company |
| 423 S 6th StPrinceton, IL | OpenHeartland Bank and Trust Company |
| 8225 Fox River DriveMillbrook, IL | No longer reported |
| 219 West Fourth StreetDepue, IL | No longer reported |
| 21 Gletty RoadSandwich, IL | No longer reported |
| 110 East Walnut StreetOglesby, IL | No longer reported |
| 110 East Walnut StreetOglesby, IL | No longer reported |
| Route 34-505 WestPlano, IL | No longer reported |
| 606 South Main StreetPrinceton, IL | No longer reported |
Banks folded into Citizens First National Bank
6 banks merged directly into this charter; counting the banks those had absorbed earlier, 9 charters end up inside it.
| Bank | Ended |
|---|---|
| Farmers State Bank of SomonaukSomonauk, IL | Jul 31, 2005 |
| Citizens First National Bank of GenoaGenoa, IL | Feb 11, 1994 |
| Heart of Illinois Bank, F.S.B.Spring Valley, IL | Jan 7, 1994 |
| Citizens First National Bank of PeruPeru, IL | Dec 6, 1993 |
| Colonial Bank and Trust Co. of Bureau CountyPrinceton, IL | Jul 1, 1992 |
| Citizens First National Bank of OglesbyOglesby, IL | Jan 11, 1991 |
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 3731 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.