Bank Branches › Closed and merged banks › New York › Oswego County National Bank
What happened to Oswego County National Bank?
Oswego County National Bank in Oswego, NY (earlier called The Oswego County Savings Bank and 1 other name) merged into Alliance Bank, National Association of Syracuse, NY on Oct 6, 2006. After 1 more change of hands, what was Oswego County National Bank is today part of NBT Bank, National Association (Norwich, 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.
- 1870The Oswego County Savings Bank opens in Oswego, NY
- Sep 24, 1973renamed Oswego County Savings Bank
- Jan 15, 2003renamed Oswego County National Bank
- Oct 6, 2006MERGEDOswego County National Bank merged into Alliance Bank, National Association of Syracuse, NY.FDIC certificate 15978 ends; its business continues under certificate 7237.
- Mar 9, 2013MERGEDAlliance Bank, National Association of Syracuse, NY merged into NBT Bank, National Association of Norwich, NY.FDIC certificate 7237 ends; its business continues under certificate 7230.
- TodayOPEN
NBT Bank, National AssociationMain office Norwich, NY · FDIC certificate 7230 · 175 offices in 7 states on June 30, 2026Every NBT Bank, National Association office → Website on file with the FDIC: www.nbtbank.com
If you still have something from Oswego County National Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Oswego County National Bank as lienholder, start with NBT 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 NBT Bank, National Association to search for the account under the name Oswego County National 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 NBT Bank, National Association which branch now holds boxes from the Oswego County National 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
10 offices filed under this charter in some year from 1994 on. 6 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 30 W Utica StOswego, NY | OpenNBT Bank, National Association |
| 700 N Main StNorth Syracuse, NY | OpenNBT Bank, National Association |
| 4879 N Jefferson StPulaski, NY | OpenNBT Bank, National Association |
| 161 State Route 104Oswego, NY | OpenNBT Bank, National Association |
| 9556 Brewerton RdBrewerton, NY | OpenNBT Bank, National Association |
| Route 3 WestFulton, NY | OpenNBT Bank, National Association |
| 7799 Oswego RoadLiverpool, NY | No longer reported |
| 300 State Route 104Oswego, NY | No longer reported |
| 30 West Utica StreetOswego, NY | No longer reported |
| 31 East Cayuga StreetOswego, NY | No longer reported |
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 15978 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.