Bank Branches › Closed and merged banks › Missouri › American Bank
What happened to American Bank?
American Bank in Kansas City, MO (earlier called Linwood State Bank and 2 other names) merged into Mercantile Bank of Kansas City of Kansas City, MO on Nov 10, 1992. The chain runs 1 step further and ends with no operating bank.
The chain, step by step
From the day it opened to the last entry on record. Each step is one entry in the FDIC's record.
- 1922Linwood State Bank opens in Kansas City, MO
- Feb 21, 1973renamed Linwood State Bank & Trust Company
- Jan 1, 1974renamed American Bank & Trust Company of Kansas City
- Dec 1, 1986renamed American Bank
- Nov 10, 1992MERGEDAmerican Bank merged into Mercantile Bank of Kansas City of Kansas City, MO.FDIC certificate 9792 ends; its business continues under certificate 8285.
- Jun 22, 1998CLOSEDMercantile Bank of Kansas City of Kansas City, MO closed voluntarily. It did not fail.FDIC certificate 8285 ends.
- NO SUCCESSOR BANK
The FDIC record ends here. No operating bank carries this charter today.
If you still have something from American Bank
A lien that was never released
American Bank closed voluntarily, and the FDIC says it cannot process lien releases for banks that closed voluntarily and liquidated or closed without government assistance. The FDIC says it may be able to help only where the lender was a failed bank placed in FDIC receivership.
Our suggestion, not the FDIC's: a title company or real-estate attorney in the county where the lien is recorded will know how that state clears a lien from a lender that no longer exists.
An old account, passbook or CD
With no successor bank to ask, go to the unclaimed-property program of the state of the owner's last known address on the bank's records. The OCC gives the same advice for old records from a bank that no longer exists.
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
Contents of boxes left behind are handled under state unclaimed-property law. Start with the unclaimed-property program of Missouri, where the box was.
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.
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 ▾
Banks folded into American Bank
4 banks merged directly into this charter; counting the banks those had absorbed earlier, 5 charters end up inside it.
| Bank | Ended |
|---|---|
| Laurel American BankKansas City, MO | Dec 1, 1986 |
| American Bank of RichmondRichmond, MO | Dec 1, 1986 |
| American Bank of HigginsvilleHigginsville, MO | Dec 1, 1986 |
| American Bank of RaytownRaytown, MO | Dec 1, 1986 |
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 9792 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.