Bank Branches › Closed and merged banks › Indiana › Valley American Bank and Trust Company
What happened to Valley American Bank and Trust Company?
Valley American Bank and Trust Company in South Bend, IN (earlier called Valley Bank and Trust Company) merged into National City Bank of Indiana of Indianapolis, IN on Nov 20, 1998. After 2 more changes of hands, what was Valley American Bank and Trust Company is today part of PNC Bank, National Association (Wilmington, DE).
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.
- 1920Valley Bank and Trust Company opens in South Bend, IN
- Oct 1, 1983renamed Valley American Bank and Trust Company
- Nov 20, 1998MERGEDValley American Bank and Trust Company merged into National City Bank of Indiana of Indianapolis, IN.FDIC certificate 14518 ends; its business continues under certificate 4347.
- Jul 22, 2006MERGEDNational City Bank of Indiana of Indianapolis, IN merged into National City Bank of Cleveland, OH.FDIC certificate 4347 ends; its business continues under certificate 6557.
- Nov 6, 2009MERGEDNational City Bank of Cleveland, OH merged into PNC Bank, National Association of Wilmington, DE.FDIC certificate 6557 ends; its business continues under certificate 6384.
- TodayOPEN
PNC Bank, National AssociationMain office Wilmington, DE · FDIC certificate 6384 · 2,401 offices in 28 states on June 30, 2026Every PNC Bank, National Association office → Website on file with the FDIC: www.pnc.com
If you still have something from Valley American Bank and Trust Company
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Valley American Bank and Trust Company as lienholder, start with PNC 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 PNC Bank, National Association to search for the account under the name Valley American Bank and Trust Company. 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 PNC Bank, National Association which branch now holds boxes from the Valley American Bank and Trust Company 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
25 offices filed under this charter in some year from 1994 on. 4 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 6940 N Main StGranger, IN | OpenPNC Bank, National Association |
| 145 County Road 6 WElkhart, IN | OpenPNC Bank, National Association |
| 4501 S Michigan StSouth Bend, IN | OpenPNC Bank, National Association |
| 110 N Lafayette BlvdSouth Bend, IN | OpenPNC Bank, National Association |
| 310 West Mckinley AvenueMishawaka, IN | No longer reported |
| 12806 State Road 23Granger, IN | No longer reported |
| 202-212 LincolnwayMishawaka, IN | No longer reported |
| 350 North Bittersweet RoadMishawaka, IN | No longer reported |
| 17977 Cleveland RoadSouth Bend, IN | No longer reported |
| 1044 North Bendix DriveSouth Bend, IN | No longer reported |
| 314 North Ironwood DriveMishawaka, IN | No longer reported |
| 502 West Seventh StreetMishawaka, IN | No longer reported |
| 2121 East Mckinley AvenueSouth Bend, IN | No longer reported |
| 1302 Elwood AvenueSouth Bend, IN | No longer reported |
| 3610 South Bremen HighwayMishawaka, IN | No longer reported |
| 320 Lincolnway EastOsceola, IN | No longer reported |
| 1345 North Michigan StreetSouth Bend, IN | No longer reported |
| 3602 South Ironwood DriveSouth Bend, IN | No longer reported |
| 828 West Mckinley AvenueMishawaka, IN | No longer reported |
| 5450 North Johnson RoadMichigan City, IN | No longer reported |
| 101 North Main StreetElkhart, IN | No longer reported |
| 4522 Elkhart RoadGoshen, IN | No longer reported |
| 720 South 11th StreetNiles, MI | No longer reported |
| 1419 North Michigan, Suite 1Plymouth, IN | No longer reported |
| 3301 Benham AvenueElkhart, IN | No longer reported |
Banks folded into Valley American Bank and Trust Company
2 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Valley Savings BankChesterton, IN | May 31, 1991 |
| American National Bank and Trust Company of South BendSouth Bend, IN | Oct 1, 1983 |
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 14518 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.