Bank Branches › Closed and merged banks › Wisconsin › Hometown Bank
What happened to Hometown Bank?
Hometown Bank in Fond Du Lac, WI (earlier called State Bank of St. Cloud) merged into Bank First, N.A. of Manitowoc, WI on Feb 10, 2023. Bank First, N.A. 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.
- 1907State Bank of St. Cloud opens in Fond Du Lac, WI
- May 14, 1998renamed Hometown Bank
- Feb 10, 2023MERGEDHometown Bank merged into Bank First, N.A. of Manitowoc, WI.FDIC certificate 12781 ends; its business continues under certificate 5304.
- TodayOPEN
Bank First, N.A.Main office Manitowoc, WI · FDIC certificate 5304 · 38 offices in 2 states on June 30, 2026Every Bank First, N.A. office → Website on file with the FDIC: www.bankfirst.com
If you still have something from Hometown Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Hometown Bank as lienholder, start with Bank First, N.A.. 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 Bank First, N.A. to search for the account under the name Hometown 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 Bank First, N.A. which branch now holds boxes from the Hometown 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
18 offices filed under this charter in some year from 1994 on. 6 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 825 W Johnson StFond Du Lac, WI | OpenBank First, N.A. |
| 105 N Plaza RdWautoma, WI | OpenBank First, N.A. |
| 105 S Main StPoynette, WI | OpenBank First, N.A. |
| 512 S Main StPardeeville, WI | OpenBank First, N.A. |
| 221 W Main StCambridge, WI | OpenBank First, N.A. |
| 1440 Horicon StMayville, WI | OpenHoricon Bank |
| 846 North Main StreetNeshkoro, WI | No longer reported |
| 4190 Boardwalk CourtAppleton, WI | No longer reported |
| 10901 West Lake Point DriveLodi, WI | No longer reported |
| 300 East Bannerman AvenueRedgranite, WI | No longer reported |
| 80 Sheboygan StFond Du Lac, WI | No longer reported |
| 1200 Main StreetSaint Cloud, WI | No longer reported |
| 259 North Fond Du Lac AvenueCampbellsport, WI | No longer reported |
| 1188 W Fond Du Lac StRipon, WI | No longer reported |
| 1200 Main StreetSaint Cloud, WI | No longer reported |
| 1 West 2nd StreetFond Du Lac, WI | No longer reported |
| 547 East Fond Du Lac StreetRipon, WI | No longer reported |
| Route 3Dundee, WI | No longer reported |
Banks folded into Hometown Bank
2 banks merged directly into this charter; counting the banks those had absorbed earlier, 3 charters end up inside it.
| Bank | Ended |
|---|---|
| United Community BankPoynette, WI | Jan 25, 2019 |
| Farmers Exchange BankNeshkoro, WI | Feb 20, 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 12781 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.