Bank Branches › Closed and merged banks › Illinois › Mercantile Bank of Illinois
What happened to Mercantile Bank of Illinois?
Mercantile Bank of Illinois in Alton, IL (earlier called Alton Banking & Trust Co. and 1 other name) merged into Mercantile Bank National Association of Hartford, IL on Aug 22, 1997. After 5 more changes of hands, what was Mercantile Bank of Illinois is today part of U.S. Bank National Association (Cincinnati, 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.
- 1902Alton Banking & Trust Co. opens in Alton, IL
- Jan 2, 1992renamed Wedge Bank
- Mar 10, 1995renamed Mercantile Bank of Illinois
- Aug 22, 1997MERGEDMercantile Bank of Illinois merged into Mercantile Bank National Association of Hartford, IL.FDIC certificate 11322 ends; its business continues under certificate 18159.
- Nov 13, 1997MERGEDMercantile Bank National Association of Hartford, IL merged into Mercantile Bank National Association of Hartford, IL.FDIC certificate 18159 ends; its business continues under certificate 4601.
- Dec 12, 1997MERGEDMercantile Bank National Association of Hartford, IL merged into Mercantile Bank National Association of St. Louis, MO.FDIC certificate 4601 ends; its business continues under certificate 13066.
- Dec 12, 1998MERGEDMercantile Bank National Association (by then renamed Mercantile Bank of St. Louis National Association) of St. Louis, MO merged into Mercantile Bank of St. Louis National Association of Saint Louis, MO.FDIC certificate 13066 ends; its business continues under certificate 1061.
- Oct 22, 1999MERGEDMercantile Bank of St. Louis National Association of Saint Louis, MO merged into Mercantile Bank National Association of Saint Louis, MO.FDIC certificate 1061 ends; its business continues under certificate 4573.
- Aug 11, 2000MERGEDMercantile Bank National Association (by then renamed Firstar Bank Missouri, National Association) of Saint Louis, MO merged into Firstar Bank, National Association of Cincinnati, OH.FDIC certificate 4573 ends; its business continues under certificate 6548.
- TodayOPEN
U.S. Bank National AssociationMain office Cincinnati, OH · FDIC certificate 6548 · 2,097 offices in 29 states on June 30, 2026Every U.S. Bank National Association office → Website on file with the FDIC: www.usbank.com
If you still have something from Mercantile Bank of Illinois
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Mercantile Bank of Illinois as lienholder, start with U.S. 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 U.S. Bank National Association to search for the account under the name Mercantile Bank of Illinois. 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 U.S. Bank National Association which branch now holds boxes from the Mercantile Bank of Illinois 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
23 offices filed under this charter in some year from 1994 on. 3 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 2627 State StAlton, IL | OpenU.S. Bank National Association |
| 1 Airport PlzBethalto, IL | OpenU.S. Bank National Association |
| 1050 Camp Jackson RdCahokia, IL | OpenU.S. Bank National Association |
| 400 S Lincoln AveOfallon, IL | No longer reported |
| 6201 West Main StreetBelleville, IL | No longer reported |
| 107 North Second StreetDupo, IL | No longer reported |
| 625 Lincoln HighwayFairview Heights, IL | No longer reported |
| 1520 Washington AveAlton, IL | No longer reported |
| 501 Belt Line RoadCollinsville, IL | No longer reported |
| 4365 Alby StreetAlton, IL | No longer reported |
| 1301 Edwardsville RoadWood River, IL | No longer reported |
| 2222 Troy RoadEdwardsville, IL | No longer reported |
| 5759 Godfrey RoadGodfrey, IL | No longer reported |
| 304 Bargraves BoulevardTroy, IL | No longer reported |
| 620 Landmark BoulevardAlton, IL | No longer reported |
| 101 Prairie StreetBethalto, IL | No longer reported |
| 200 West Third StreetAlton, IL | No longer reported |
| 2421 State StreetAlton, IL | No longer reported |
| 200 North Main StreetBrighton, IL | No longer reported |
| 160 West Sixth StreetAlton, IL | No longer reported |
| 201 East Center DriveAlton, IL | No longer reported |
| 1 Terminal DriveEaston Alton, IL | No longer reported |
| 2703 Godfrey RoadGodfrey, IL | No longer reported |
Banks folded into Mercantile Bank of Illinois
5 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| The Bank of AltonAlton, IL | Mar 21, 1997 |
| Metro Savings Bank, FSBWood River, IL | Mar 8, 1996 |
| Godfrey State BankGodfrey, IL | May 24, 1993 |
| The First National Bank of BrightonBrighton, IL | Jan 2, 1992 |
| Bethalto National BankBethalto, IL | Jan 2, 1992 |
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 11322 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.