Bank Branches › Closed and merged banks › Missouri › Mercantile Bank of Central Missouri
What happened to Mercantile Bank of Central Missouri?
Mercantile Bank of Central Missouri in Washington, MO (earlier called The First National Bank of Montgomery City and 4 other names) merged into First State Bank of Washington, MO on Oct 18, 1997. After 3 more changes of hands, what was Mercantile Bank of Central Missouri 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.
- 1918The First National Bank of Montgomery City opens in Washington, MO
- Apr 9, 1975renamed The First National Mercantile Bank of Montgomery City
- Sep 29, 1989renamed Mercantile Bank of Montgomery City National Association
- May 19, 1994renamed Mercantile Bank of Montgomery City
- Aug 18, 1994renamed Mercantile Bank of East Central Missouri
- Oct 18, 1996renamed Mercantile Bank of Central Missouri
- Oct 18, 1997MERGEDMercantile Bank of Central Missouri merged into First State Bank of Washington, MO.FDIC certificate 4554 ends; its business continues under certificate 4568.
- Dec 12, 1998MERGEDFirst State Bank (by then renamed Mercantile Bank of Central Missouri) of Washington, MO merged into Mercantile Bank of St. Louis National Association of Saint Louis, MO.FDIC certificate 4568 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 Mercantile Bank of Central Missouri
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Mercantile Bank of Central Missouri 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 Mercantile Bank of Central Missouri. 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 Mercantile Bank of Central Missouri 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
24 offices filed under this charter in some year from 1994 on. 13 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 2102 W Broadway BlvdSedalia, MO | OpenU.S. Bank National Association |
| 500 W 6th StRolla, MO | OpenU.S. Bank National Association |
| 1900 Washington CrossingsWashington, MO | OpenU.S. Bank National Association |
| 615 N Maguire StWarrensburg, MO | OpenU.S. Bank National Association |
| 1408 Forum BlvdColumbia, MO | OpenU.S. Bank National Association |
| 4056 Osage Beach PkwyOsage Beach, MO | OpenU.S. Bank National Association |
| 507 W Business Loop 70Columbia, MO | OpenU.S. Bank National Association |
| 502 E Old Highway 40Warrenton, MO | OpenU.S. Bank National Association |
| 564 East Highway 54Camdenton, MO | OpenU.S. Bank National Association |
| 201 S Oak StUnion, MO | OpenU.S. Bank National Association |
| 900 N Main StSaint Clair, MO | OpenU.S. Bank National Association |
| 416 E Spring StBoonville, MO | OpenThe Central Trust Bank |
| 1650 E Broadway BlvdSedalia, MO | OpenBank 21 |
| 218 West 4th StreetSalem, MO | No longer reported |
| 100 South Rollins StreetCentralia, MO | No longer reported |
| 220 South SecondClinton, MO | No longer reported |
| 1301 Forum DriveRolla, MO | No longer reported |
| 118 North Holden StreetWarrensburg, MO | No longer reported |
| 220 North Sturgeon StreetMontgomery City, MO | No longer reported |
| 101 E 4th StEldon, MO | No longer reported |
| 756 Bagnell Dam BoulevardLake Ozark, MO | No longer reported |
| 3615 W Broadway BlvdSedalia, MO | No longer reported |
| 409 North Main StreetLaurie, MO | No longer reported |
| 401 West Newton StreetVersailles, MO | No longer reported |
Banks folded into Mercantile Bank of Central Missouri
6 banks merged directly into this charter; counting the banks those had absorbed earlier, 12 charters end up inside it.
| Bank | Ended |
|---|---|
| Mercantile Bank of West Central MissouriSedalia, MO | Oct 18, 1996 |
| Mercantile Bank of Franklin CountyWashington, MO | Oct 18, 1996 |
| Mercantile Bank of Boone CountyColumbia, MO | Oct 18, 1996 |
| Mercantile Bank of WarrensburgWarrensburg, MO | Oct 18, 1996 |
| Mercantile Bank of Lake of the OzarksEldon, MO | Oct 18, 1996 |
| Mercantile Bank of Phelps CountyRolla, MO | Oct 18, 1996 |
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 4554 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.