Bank Branches › Closed and merged banks › Wisconsin › Valley Bank Richland Center
What happened to Valley Bank Richland Center?
Valley Bank Richland Center in Richland Center, WI (earlier called Farmers and Merchants Bank) merged into Valley Bank, Southwest of Spring Green, WI on Jan 20, 1990. After 3 more changes of hands, what was Valley Bank Richland Center is today part of BMO Bank National Association (Chicago, IL).
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.
- 1913Farmers and Merchants Bank opens in Richland Center, WI
- Sep 25, 1987renamed Valley Bank Richland Center
- Jan 20, 1990MERGEDValley Bank Richland Center merged into Valley Bank, Southwest of Spring Green, WI.FDIC certificate 12785 ends; its business continues under certificate 15072.
- Jun 1, 1997MERGEDValley Bank, Southwest (by then renamed M&I Bank Southwest) of Spring Green, WI merged into M&I Madison Bank of Madison, WI.FDIC certificate 15072 ends; its business continues under certificate 13042.
- Jun 1, 2001MERGEDM&I Madison Bank (by then renamed M&I Bank of Southern Wisconsin) of Madison, WI merged into M&I Marshall and Ilsley Bank of Milwaukee, WI.FDIC certificate 13042 ends; its business continues under certificate 1020.
- Jul 5, 2011MERGEDM&I Marshall and Ilsley Bank of Milwaukee, WI merged into Harris National Association of Chicago, IL.FDIC certificate 1020 ends; its business continues under certificate 16571.
- TodayOPEN
BMO Bank National AssociationMain office Chicago, IL · FDIC certificate 16571 · 988 offices in 23 states on June 30, 2026Every BMO Bank National Association office → Website on file with the FDIC: www.bmo.com
If you still have something from Valley Bank Richland Center
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Valley Bank Richland Center as lienholder, start with BMO 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 BMO Bank National Association to search for the account under the name Valley Bank Richland Center. 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 BMO Bank National Association which branch now holds boxes from the Valley Bank Richland Center 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 12785 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.