Bank Branches › Closed and merged banks › New York › The First National Bank of Winthrop
What happened to The First National Bank of Winthrop?
The First National Bank of Winthrop in Winthrop, NY merged into The Farmers National Bank of Malone of Malone, NY on Sep 20, 1971. After 5 more changes of hands, what was The First National Bank of Winthrop is today part of KeyBank National Association (Cleveland, 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.
- 1915The First National Bank of Winthrop opens in Winthrop, NY
- Sep 20, 1971MERGEDThe First National Bank of Winthrop merged into The Farmers National Bank of Malone of Malone, NY.FDIC certificate 7366 ends; its business continues under certificate 7155.
- Oct 1, 1982MERGEDThe Farmers National Bank of Malone (by then renamed Farmers National Bank of Malone) of Malone, NY merged into Key Bank of Northern New York National Association of Watertown, NY.FDIC certificate 7155 ends; its business continues under certificate 7344.
- Jan 1, 1988MERGEDKey Bank of Northern New York National Association of Watertown, NY merged into Key Bank of Central New York, National Association of Syracuse, NY.FDIC certificate 7344 ends; its business continues under certificate 27214.
- Jul 26, 1991MERGEDKey Bank of Central New York, National Association of Syracuse, NY merged into Key Bank of New York, National Association of Albany, NY.FDIC certificate 27214 ends; its business continues under certificate 6937.
- Jun 30, 1997MERGEDKey Bank of New York, National Association (by then renamed Keybank National Association) of Albany, NY merged into KeyBank National Association of Salt Lake City, UT.FDIC certificate 6937 ends; its business continues under certificate 1254.
- Jun 30, 1997MERGEDKeyBank National Association of Salt Lake City, UT merged into KeyBank National Association of Cleveland, OH.FDIC certificate 1254 ends; its business continues under certificate 17534.
- TodayOPEN
KeyBank National AssociationMain office Cleveland, OH · FDIC certificate 17534 · 951 offices in 16 states on June 30, 2026Every KeyBank National Association office → Website on file with the FDIC: www.key.com
If you still have something from The First National Bank of Winthrop
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows The First National Bank of Winthrop as lienholder, start with KeyBank 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 KeyBank National Association to search for the account under the name The First National Bank of Winthrop. 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 KeyBank National Association which branch now holds boxes from the The First National Bank of Winthrop 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.
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 ▾
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 7366 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.