Bank Branches › Closed and merged banks › Pennsylvania › Northern Central Bank
What happened to Northern Central Bank?
Northern Central Bank in Williamsport, PA (earlier called Northern Central Bank and Trust Company) merged into Keystone Financial Bank, National Association of Harrisburg, PA on Dec 31, 1998. After 1 more change of hands, what was Northern Central Bank is today part of Manufacturers and Traders Trust Company (Buffalo, NY).
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.
- 1934Northern Central Bank and Trust Company opens in Williamsport, PA
- Jul 1, 1975renamed Northern Central Bank
- Dec 31, 1998MERGEDNorthern Central Bank merged into Keystone Financial Bank, National Association of Harrisburg, PA.FDIC certificate 13754 ends; its business continues under certificate 7712.
- Oct 7, 2000MERGEDKeystone Financial Bank, National Association of Harrisburg, PA merged into Manufacturers and Traders Trust Company of Buffalo, NY.FDIC certificate 7712 ends; its business continues under certificate 588.
- TodayOPEN
Manufacturers and Traders Trust CompanyMain office Buffalo, NY · FDIC certificate 588 · 957 offices in 14 states on June 30, 2026Every Manufacturers and Traders Trust Company office → Website on file with the FDIC: www.mtb.com
If you still have something from Northern Central Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Northern Central Bank as lienholder, start with Manufacturers and Traders Trust Company. 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 Manufacturers and Traders Trust Company to search for the account under the name Northern Central 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 Manufacturers and Traders Trust Company which branch now holds boxes from the Northern Central 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
42 offices filed under this charter in some year from 1994 on. 14 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 405 River AveWilliamsport, PA | OpenManufacturers and Traders Trust Company |
| 40 Colonial DrTowanda, PA | OpenManufacturers and Traders Trust Company |
| 283 Hogan BlvdMill Hall, PA | OpenManufacturers and Traders Trust Company |
| 1071 N Susquehanna TrlSelinsgrove, PA | OpenManufacturers and Traders Trust Company |
| 409 Market StLewisburg, PA | OpenManufacturers and Traders Trust Company |
| 265 S Market StElysburg, PA | OpenManufacturers and Traders Trust Company |
| 230 Desmond StSayre, PA | OpenManufacturers and Traders Trust Company |
| 2001 W 4th StWilliamsport, PA | OpenManufacturers and Traders Trust Company |
| 450 Broad StMontoursville, PA | OpenManufacturers and Traders Trust Company |
| 1143 N 4th StSunbury, PA | OpenManufacturers and Traders Trust Company |
| 889 Bloom RdDanville, PA | OpenManufacturers and Traders Trust Company |
| 571 Main StRichfield, PA | OpenThe Juniata Valley Bank |
| 315 E Chestnut StMifflinburg, PA | OpenManufacturers and Traders Trust Company |
| 33 S Front StMilton, PA | OpenManufacturers and Traders Trust Company |
| Main and State StreetsMillville, PA | No longer reported |
| 225 Columbia Mall DriveBloomsburg, PA | No longer reported |
| 19059 Route 522Beaver Springs, PA | No longer reported |
| One West Market StreetMiddleburg, PA | No longer reported |
| 23 South Market StreetSelinsgrove, PA | No longer reported |
| 300 Lycoming Mall Circle, Suite 2024Pennsdale, PA | No longer reported |
| Montgomery Plaza, 2190 Route 54 HwyMontgomery, PA | No longer reported |
| 454 Pine StreetWilliamsport, PA | No longer reported |
| 102 West Fourth StreetWilliamsport, PA | No longer reported |
| 101 West Third StreetWilliamsport, PA | No longer reported |
| 101 East Main StreetDushore, PA | No longer reported |
| 440-442 Market StreetSunbury, PA | No longer reported |
| 1482 Golden Mile RoadWysox, PA | No longer reported |
| 219 South Main StreetAthens, PA | No longer reported |
| Main StreetRome, PA | No longer reported |
| Berwick TurnpikeGillett, PA | No longer reported |
| 103 Taylor AvenueWyalusing, PA | No longer reported |
| 422 Elmira StreetSayre, PA | No longer reported |
| 312 Main StreetTowanda, PA | No longer reported |
| 135 Woodward AvenueLock Haven, PA | No longer reported |
| 28 Central AvenueAvis, PA | No longer reported |
| 296 Eagles Mere AvenueEagles Mere, PA | No longer reported |
| 111 Main StreetUlster, PA | No longer reported |
| 75 Front StreetNew Albany, PA | No longer reported |
| 104 North ElmerSayre, PA | No longer reported |
| 100 Henry StreetSouth Waverly, PA | No longer reported |
Banks folded into Northern Central Bank
12 banks merged directly into this charter; counting the banks those had absorbed earlier, 13 charters end up inside it.
| Bank | Ended |
|---|---|
| The First National Bank of Bradford CountyTowanda, PA | Dec 29, 1995 |
| NCB BankMiddleburg, PA | Jan 2, 1987 |
| The Farmers National Bank of RomeRome, PA | Jun 27, 1983 |
| The State Bank of AvisAvis, PA | Jun 27, 1983 |
| The Lewisburg National BankLewisburg, PA | Aug 15, 1980 |
| The First National Bank of MillvilleMillville, PA | May 14, 1979 |
| The Guarantee Trust and Safe Deposit Company of Shamokin, Pa.Shamokin, PA | Oct 3, 1977 |
| The First National Bank of DushoreDushore, PA | Jul 1, 1975 |
| Susquehanna Valley Bank and Trust CompanySunbury, PA | May 3, 1974 |
| First Citizens National BankMontgomery, PA | Apr 30, 1973 |
| The Athens National BankAthens, PA | Jul 17, 1972 |
| Milton Bank and Safe Deposit CompanyMilton, PA | May 4, 1970 |
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 13754 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.