Bank Branches › Closed and merged banks › Minnesota › Farmers and Merchants State Bank of Cook, Incorporated
What happened to Farmers and Merchants State Bank of Cook, Incorporated?
Farmers and Merchants State Bank of Cook, Incorporated in Cook, MN merged into The First National Bank of Chisholm of Chisholm, MN on Jan 1, 1994. After 1 more change of hands, what was Farmers and Merchants State Bank of Cook, Incorporated is today part of Park State Bank (Duluth, MN).
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.
- 1917Farmers and Merchants State Bank of Cook, Incorporated opens in Cook, MN
- Jan 1, 1994MERGEDFarmers and Merchants State Bank of Cook, Incorporated merged into The First National Bank of Chisholm of Chisholm, MN.FDIC certificate 10183 ends; its business continues under certificate 5113.
- Dec 5, 2025MERGEDThe First National Bank of Chisholm (by then renamed First National Bank) of Chisholm, MN merged into Park State Bank of Duluth, MN.FDIC certificate 5113 ends; its business continues under certificate 8851.
- TodayOPEN
Park State BankMain office Duluth, MN · FDIC certificate 8851 · 18 offices in 1 state on June 30, 2026Every Park State Bank office → Website on file with the FDIC: www.parkstatebank.com
If you still have something from Farmers and Merchants State Bank of Cook, Incorporated
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Farmers and Merchants State Bank of Cook, Incorporated as lienholder, start with Park State Bank. 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 Park State Bank to search for the account under the name Farmers and Merchants State Bank of Cook, Incorporated. 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 Park State Bank which branch now holds boxes from the Farmers and Merchants State Bank of Cook, Incorporated 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 10183 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.