Bank Branches › Closed and merged banks › Kansas › Heartland Bank
What happened to Heartland Bank?
Heartland Bank in Leawood, KS (earlier called Citizens State Bank and 3 other names) failed, and Metcalf Bank of Lees Summit, MO took it over on Jul 20, 2012. After 1 more change of hands, what was Heartland Bank is today part of The Central Trust Bank (Jefferson City, MO).
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.
- 1904Citizens State Bank opens in Leawood, KS
- Sep 18, 1989renamed Brooke State Bank
- Mar 1, 1995renamed Heartland Bank
- Jan 31, 1996renamed Heartland Bank, National Association
- Dec 4, 2002renamed Heartland Bank
- Jul 20, 2012FAILEDHeartland Bank failed, and Metcalf Bank of Lees Summit, MO took it over.FDIC certificate 1361 ends; its business continues under certificate 26247.
- Oct 1, 2021MERGEDMetcalf Bank (by then renamed Central Bank of the Midwest) of Lees Summit, MO merged into The Central Trust Bank of Jefferson City, MO.FDIC certificate 26247 ends; its business continues under certificate 12633.
- TodayOPEN
The Central Trust BankMain office Jefferson City, MO · FDIC certificate 12633 · 164 offices in 6 states on June 30, 2026Every The Central Trust Bank office → Website on file with the FDIC: www.centralbank.net
If you still have something from Heartland Bank
A lien that was never released
Heartland Bank failed on Jul 20, 2012. For a failed bank placed in FDIC receivership, the FDIC may be able to issue the lien release, if the loan was paid off to the bank before it failed or to the FDIC afterward. The FDIC says that where a failed bank had an acquirer, its records in most cases went to that acquirer. Here the chain from the acquirer leads to The Central Trust Bank, which is worth asking too.
Requests go through the FDIC Information and Support Center with the recorded mortgage or title, and proof of payoff. The FDIC says to allow 30 business days once it has every document, and does not take requests by phone or email. Questions: FDIC Resolution Inquiries, 888-206-4662, 8am–4pm Central on weekdays.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, Metcalf Bank). Start with The Central Trust Bank, and ask them to search under the name Heartland Bank.
For failures since mid-1993 the law sets a clock: insured deposits not claimed within 18 months of the FDIC starting to pay depositors are offered to the state of the depositor's last known address on the bank's records. If the state takes them, the owner has 10 years to claim there before the money returns to the FDIC. Check FDIC unclaimed funds search and that state's unclaimed-property program.
A safe deposit box
The FDIC says that when a healthy bank assumes a failed bank's deposits, the branches usually reopen the next business day with box access. Today, ask The Central Trust Bank. A box abandoned for years may have been 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
4 offices filed under this charter in some year from 1994 on. 2 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 4801 Town Center DrLeawood, KS | OpenThe Central Trust Bank |
| 120 South WashingtonJewell, KS | OpenGuaranty State Bank and Trust Company |
| 4417 BelleviewKansas City, MO | No longer reported |
| 5000 West 95th StreetOverland Park, KS | No longer reported |
Banks folded into Heartland Bank
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Bank of FreeburgFreeburg, MO | Dec 28, 2006 |
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 1361 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.