Bank Branches › Closed and merged banks › Michigan › The State Bank
What happened to The State Bank?
The State Bank in Fenton, MI (earlier called State Savings Bank of Fenton) merged into ChoiceOne Bank of Sparta, MI on Mar 15, 2025. ChoiceOne Bank 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.
- 1898State Savings Bank of Fenton opens in Fenton, MI
- Jul 1, 1988renamed The State Bank
- Mar 15, 2025MERGEDThe State Bank merged into ChoiceOne Bank of Sparta, MI.FDIC certificate 11406 ends; its business continues under certificate 1014.
- TodayOPEN
ChoiceOne BankMain office Sparta, MI · FDIC certificate 1014 · 48 offices in 1 state on June 30, 2026Every ChoiceOne Bank office → Website on file with the FDIC: WWW.CHOICEONE.BANK
If you still have something from The State Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows The State Bank as lienholder, start with ChoiceOne 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 ChoiceOne Bank to search for the account under the name The State 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 ChoiceOne Bank which branch now holds boxes from the The State 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
29 offices filed under this charter in some year from 1994 on. 19 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 175 N Leroy StFenton, MI | OpenChoiceOne Bank |
| 1401 E Hill RdGrand Blanc, MI | OpenChoiceOne Bank |
| 107 North Main StreetLinden, MI | OpenChoiceOne Bank |
| 12771 Brady RdChesaning, MI | OpenChoiceOne Bank |
| 4043 Grange Hall RoadVillage Of Holly, MI | OpenChoiceOne Bank |
| 7590 Gratiot RdSaginaw, MI | OpenChoiceOne Bank |
| 207 S Saginaw StSaint Charles, MI | OpenChoiceOne Bank |
| 201 W State StMontrose, MI | OpenChoiceOne Bank |
| 15095 Silver PkwyFenton, MI | OpenChoiceOne Bank |
| 134 N 1st StBrighton, MI | OpenChoiceOne Bank |
| 5101 S M 106Stockbridge, MI | OpenChoiceOne Bank |
| 9380 Genesee StNew Lothrop, MI | OpenChoiceOne Bank |
| 12005 E Michigan AveGrass Lake, MI | OpenChoiceOne Bank |
| 201 N Main StMunith, MI | OpenChoiceOne Bank |
| 18005 Silver PkwyFenton, MI | OpenChoiceOne Bank |
| 8412 Main StBirch Run, MI | OpenChoiceOne Bank |
| 7606 S Saginaw StGrand Blanc, MI | OpenChoiceOne Bank |
| 218 S Washington AveSaginaw, MI | OpenChoiceOne Bank |
| 615 S. Saginaw StreetFlint, MI | OpenChoiceOne Bank |
| 31000 Northwestern Hwy, Ste 150Farmington Hills, MI | No longer reported |
| 10811 Albee RoadAlbee Township, MI | No longer reported |
| 8185 Holly Road, Ste. 4Grand Blanc, MI | No longer reported |
| 315 East Grand River AvenueBrighton, MI | No longer reported |
| 1231 North Leroy StreetFenton, MI | No longer reported |
| 3202 Owen RoadFenton, MI | No longer reported |
| 8503 Davison RoadDavison, MI | No longer reported |
| 8477 Davison RoadDavison, MI | No longer reported |
| 6461 Sashabaw RoadClarkston, MI | No longer reported |
| 65565 Sashabaw RoadClarkston, MI | No longer reported |
Banks folded into The State Bank
2 banks merged directly into this charter; counting the banks those had absorbed earlier, 3 charters end up inside it.
| Bank | Ended |
|---|---|
| Farmers State Bank of MunithMunith, MI | Dec 1, 2021 |
| Community State BankSaint Charles, MI | Dec 31, 2016 |
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 11406 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.