Bank Branches › Closed and merged banks › Maryland › Farmers & Mechanics Bank
What happened to Farmers & Mechanics Bank?
Farmers & Mechanics Bank in Frederick, MD (earlier called Farmers and Mechanics National Bank and 1 other name) merged into PNC Bank, National Association of Wilmington, DE on Sep 14, 2007. PNC Bank, National Association 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.
- 1817Farmers and Mechanics National Bank opens in Frederick, MD
- Dec 8, 1997renamed Farmers & Mechanics National Bank
- Apr 1, 2001renamed Farmers & Mechanics Bank
- Sep 14, 2007MERGEDFarmers & Mechanics Bank merged into PNC Bank, National Association of Wilmington, DE.FDIC certificate 4842 ends; its business continues under certificate 6384.
- TodayOPEN
PNC Bank, National AssociationMain office Wilmington, DE · FDIC certificate 6384 · 2,401 offices in 28 states on June 30, 2026Every PNC Bank, National Association office → Website on file with the FDIC: www.pnc.com
If you still have something from Farmers & Mechanics Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Farmers & Mechanics Bank as lienholder, start with PNC 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 PNC Bank, National Association to search for the account under the name Farmers & Mechanics 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 PNC Bank, National Association which branch now holds boxes from the Farmers & Mechanics 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
68 offices filed under this charter in some year from 1994 on. 21 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 1350 Liberty RdSykesville, MD | OpenPNC Bank, National Association |
| 8593 Baltimore National PikeEllicott City, MD | OpenPNC Bank, National Association |
| 1305 W 7th StFrederick, MD | OpenPNC Bank, National Association |
| 406 Englar RdWestminster, MD | OpenPNC Bank, National Association |
| 1205 W Patrick StFrederick, MD | OpenPNC Bank, National Association |
| 206 E Ridgeville BlvdMount Airy, MD | OpenPNC Bank, National Association |
| 9 Monocacy BlvdFrederick, MD | OpenPNC Bank, National Association |
| 6130 Columbia Crossing CirColumbia, MD | OpenPNC Bank, National Association |
| 5279 Buckeystown PikeFrederick, MD | OpenPNC Bank, National Association |
| 300 Commerce DrWalkersville, MD | OpenPNC Bank, National Association |
| 1300 N Maple AveBrunswick, MD | OpenPNC Bank, National Association |
| 1700 Dual HwyHagerstown, MD | OpenPNC Bank, National Association |
| 8 East Main Street, Center SquareEmmitsburg, MD | OpenPNC Bank, National Association |
| 17708 Virginia AveHagerstown, MD | OpenPNC Bank, National Association |
| 11717 Old National PikeNew Market, MD | OpenPNC Bank, National Association |
| 16 E Main StThurmont, MD | OpenPNC Bank, National Association |
| 8920 Fingerboard RdFrederick, MD | OpenPNC Bank, National Association |
| 18100 Town Center DrOlney, MD | OpenPNC Bank, National Association |
| 1295 Riverbend WayFrederick, MD | OpenPNC Bank, National Association |
| 6245 Washington BlvdElkridge, MD | OpenPNC Bank, National Association |
| 545 W Middle StGettysburg, PA | OpenACNB Bank |
| 5810 Ballenger Creek PikeFrederick, MD | No longer reported |
| 2070 Yellow Springs RoadFrederick, MD | No longer reported |
| 401 South Jefferson StFrederick, MD | No longer reported |
| 3901 Jefferson PikeJefferson, MD | No longer reported |
| 2 East Patrick StreetFrederick, MD | No longer reported |
| Thomas Johnson DriveFrederick, MD | No longer reported |
| 9138 Walnut StreetLibertytown, MD | No longer reported |
| 300 East Main StreetFrostburg, MD | No longer reported |
| 12500 Country Club Mall Road, SwLavale, MD | No longer reported |
| 100 North Mechanic StreetCumberland, MD | No longer reported |
| 1413 Pennsylvania AvenueHagerstown, MD | No longer reported |
| 17850 Garland Groh BoulevardHagerstown, MD | No longer reported |
| 128 Washington StreetHagerstown, MD | No longer reported |
| 1449 South Potomac StreetHagerstown, MD | No longer reported |
| 102 Baughmans LaneFrederick, MD | No longer reported |
| 154 North Market StreetFrederick, MD | No longer reported |
| 26203 Ridge RoadDamascus, MD | No longer reported |
| 21111 Frederick RoadGermantown, MD | No longer reported |
| 13074 Middlebrook RoadGermantown, MD | No longer reported |
Banks folded into Farmers & Mechanics Bank
6 banks merged directly into this charter; counting the banks those had absorbed earlier, 11 charters end up inside it.
| Bank | Ended |
|---|---|
| The Fidelity BankHagerstown, MD | Apr 21, 2005 |
| Fredericktown Bank & Trust CompanyFrederick, MD | Oct 24, 2003 |
| Home Federal Savings BankHagerstown, MD | May 31, 2001 |
| Commercial and Farmers BankEllicott City, MD | Dec 30, 1999 |
| Taneytown Bank & Trust CompanyTaneytown, MD | Nov 30, 1998 |
| The Bank of BrunswickBrunswick, MD | May 31, 1995 |
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 4842 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.