Bank Branches › Closed and merged banks › Illinois › Central Bank
What happened to Central Bank?
Central Bank in Fairview Heights, IL (earlier called The Southern Illinois National Bank of East St. Louis and 3 other names) merged into Mercantile Bank National Association of St. Louis, MO on Sep 18, 1998. After 3 more changes of hands, what was Central Bank is today part of U.S. Bank National Association (Cincinnati, OH).
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.
- 1869The Southern Illinois National Bank of East St. Louis opens in Fairview Heights, IL
- Mar 3, 1975renamed The Southern Illinois National Bank
- May 15, 1978renamed Southern Illinois Bank
- Aug 5, 1985renamed Central Bank - Fairview Heights
- Apr 1, 1988renamed Central Bank
- Sep 18, 1998MERGEDCentral Bank merged into Mercantile Bank National Association of St. Louis, MO.FDIC certificate 3788 ends; its business continues under certificate 13066.
- Dec 12, 1998MERGEDMercantile Bank National Association (by then renamed Mercantile Bank of St. Louis National Association) of St. Louis, MO merged into Mercantile Bank of St. Louis National Association of Saint Louis, MO.FDIC certificate 13066 ends; its business continues under certificate 1061.
- Oct 22, 1999MERGEDMercantile Bank of St. Louis National Association of Saint Louis, MO merged into Mercantile Bank National Association of Saint Louis, MO.FDIC certificate 1061 ends; its business continues under certificate 4573.
- Aug 11, 2000MERGEDMercantile Bank National Association (by then renamed Firstar Bank Missouri, National Association) of Saint Louis, MO merged into Firstar Bank, National Association of Cincinnati, OH.FDIC certificate 4573 ends; its business continues under certificate 6548.
- TodayOPEN
U.S. Bank National AssociationMain office Cincinnati, OH · FDIC certificate 6548 · 2,097 offices in 29 states on June 30, 2026Every U.S. Bank National Association office → Website on file with the FDIC: www.usbank.com
If you still have something from Central Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Central Bank as lienholder, start with U.S. 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 U.S. Bank National Association to search for the account under the name Central 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 U.S. Bank National Association which branch now holds boxes from the Central 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
23 offices filed under this charter in some year from 1994 on. 8 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 3601 S State Route 159Glen Carbon, IL | OpenU.S. Bank National Association |
| 1116 N Carbon StMarion, IL | OpenU.S. Bank National Association |
| 1820 Lebanon AveBelleville, IL | OpenU.S. Bank National Association |
| 1000 BroadwayHighland, IL | OpenU.S. Bank National Association |
| 701 Public SqBenton, IL | OpenU.S. Bank National Association |
| 3303 Nameoki RdGranite City, IL | OpenU.S. Bank National Association |
| 6701 N Illinois StFairview Heights, IL | OpenU.S. Bank National Association |
| 201 West Main StreetDahlgren, IL | OpenPeoples National Bank , N.A. |
| Reed Street and State Route 148Energy, IL | No longer reported |
| Main Street and Route 142Belle Rive, IL | No longer reported |
| 1100 Spotsylvania StNew Athens, IL | No longer reported |
| 800 Caryle AvenueBelleville, IL | No longer reported |
| 311 South State StreetFreeburg, IL | No longer reported |
| 907 East Highway 50O'fallon, IL | No longer reported |
| 120 S Front StCobden, IL | No longer reported |
| 130 South MainHecker, IL | No longer reported |
| 100 East Market StreetTroy, IL | No longer reported |
| 501 North Beltline RoadCollinsville, IL | No longer reported |
| 817 Main StreetHighland, IL | No longer reported |
| 102 West Main StreetCollinsville, IL | No longer reported |
| Route 143Highland, IL | No longer reported |
| 2402 Madison AvenueGranite City, IL | No longer reported |
| 155 North Duncan StreetMarine, IL | No longer reported |
Banks folded into Central Bank
4 banks merged directly into this charter; counting the banks those had absorbed earlier, 15 charters end up inside it.
| Bank | Ended |
|---|---|
| United Illinois Bank of Southern IllinoisBenton, IL | Sep 21, 1995 |
| The First National Bank of HighlandHighland, IL | Mar 22, 1994 |
| United Illinois Bank of New AthensNew Athens, IL | Oct 28, 1991 |
| Central Bank-Granite CityGranite City, IL | Apr 1, 1988 |
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 3788 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.