Bank Branches › Closed and merged banks › New York › Wilber National Bank
What happened to Wilber National Bank?
Wilber National Bank in Oneonta, NY (earlier called The Wilber National Bank of Oneonta) merged into Community Bank, National Association of Canton, NY on Apr 9, 2011. Community 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.
- 1874The Wilber National Bank of Oneonta opens in Oneonta, NY
- Feb 13, 1973renamed Wilber National Bank
- Apr 9, 2011MERGEDWilber National Bank merged into Community Bank, National Association of Canton, NY.FDIC certificate 7239 ends; its business continues under certificate 6989.
- TodayOPEN
Community Bank, National AssociationMain office Canton, NY · FDIC certificate 6989 · 210 offices in 6 states on June 30, 2026Every Community Bank, National Association office → Website on file with the FDIC: www.cbna.com
If you still have something from Wilber National Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Wilber National Bank as lienholder, start with Community 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 Community Bank, National Association to search for the account under the name Wilber National 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 Community Bank, National Association which branch now holds boxes from the Wilber National 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
24 offices filed under this charter in some year from 1994 on. 12 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 245 Main StOneonta, NY | OpenCommunity Bank, National Association |
| 434 Chestnut StOneonta, NY | OpenCommunity Bank, National Association |
| 4987 State Highway 23Oneonta, NY | OpenCommunity Bank, National Association |
| 5378 State Highway 28Cooperstown, NY | OpenCommunity Bank, National Association |
| 19 Union StSidney, NY | OpenCommunity Bank, National Association |
| 124 Delaware StWalton, NY | OpenCommunity Bank, National Association |
| 85 Sherwood DrDelhi, NY | OpenCommunity Bank, National Association |
| 5966 State Route 31, # 5968Cicero, NY | OpenCommunity Bank, National Association |
| 750 E Main StCobleskill, NY | OpenCommunity Bank, National Association |
| 23 Riverside DrJohnson City, NY | OpenCommunity Bank, National Association |
| 4837 State Highway 23Norwich, NY | OpenCommunity Bank, National Association |
| 101 Main StSchenevus, NY | OpenCommunity Bank, National Association |
| 132 Main StMorris, NY | No longer reported |
| 101 East Main StreetMilford, NY | No longer reported |
| 62 Main StreetCooperstown, NY | No longer reported |
| 304 Main StreetOtego, NY | No longer reported |
| 2 Foxcare DriveOneonta, NY | No longer reported |
| 15229 State Highway 30Downsville, NY | No longer reported |
| 1084 Main StreetFleischmanns, NY | No longer reported |
| 18 South Broad StreetNorwich, NY | No longer reported |
| 4141 State Highway 28Boiceville, NY | No longer reported |
| 1685 State Highway 9Clifton Park, NY | No longer reported |
| 157 Stockade DriveKingston, NY | No longer reported |
| Main StreetMillerton, NY | No longer reported |
Banks folded into Wilber National Bank
2 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| The First National Bank of DownsvilleDownsville, NY | Jan 1, 1994 |
| The First National Bank of MorrisMorris, NY | Feb 13, 1973 |
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 7239 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.