Bank Branches › Closed and merged banks › Iowa › Liberty Bank & Trust
What happened to Liberty Bank & Trust?
Liberty Bank & Trust in Mason City, IA (earlier called Community State Bank) merged into Commercial Federal Bank, a Federal Savings Bank of Omaha, NE on Feb 13, 1998. After 2 more changes of hands, what was Liberty Bank & Trust 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.
- 1957Community State Bank opens in Mason City, IA
- Jan 1, 1988renamed Liberty Bank & Trust
- Feb 13, 1998MERGEDLiberty Bank & Trust merged into Commercial Federal Bank, a Federal Savings Bank of Omaha, NE.FDIC certificate 17731 ends; its business continues under certificate 30341.
- Dec 3, 2005MERGEDCommercial Federal Bank, a Federal Savings Bank of Omaha, NE merged into Bank of the West of San Francisco, CA.FDIC certificate 30341 ends; its business continues under certificate 3514.
- Feb 2, 2023MERGEDBank of the West of San Francisco, CA merged into BMO Harris Bank National Association of Chicago, IL.FDIC certificate 3514 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 Liberty Bank & Trust
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Liberty Bank & Trust 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 Liberty Bank & Trust. 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 Liberty Bank & Trust 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. 3 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 100 E State StMason City, IA | OpenClear Lake Bank and Trust Company |
| 319 Main St ERockwell, IA | OpenFirst Security Bank and Trust Company |
| 3598 Orchid AveManly, IA | OpenFirst Security Bank and Trust Company |
| 300 1st Ave NClear Lake, IA | No longer reported |
| 3124 Fourth Street, S.W.Mason City, IA | No longer reported |
| 1620 South Federal AvenueMason City, IA | No longer reported |
| 7120 E. County Line Rd.Highlands Ranch, CO | No longer reported |
| 109 S ToddManly, IA | No longer reported |
| 511 Main StDumont, IA | No longer reported |
| 215 S. Wadsworth Blvd.Lakewood, CO | No longer reported |
Banks folded into Liberty Bank & Trust
3 banks merged directly into this charter; counting the banks those had absorbed earlier, 4 charters end up inside it.
| Bank | Ended |
|---|---|
| State Bank of DumontDumont, IA | Apr 30, 1993 |
| First State BankManly, IA | Sep 1, 1990 |
| Hawkeye Bank & Trust of Mason CityMason City, IA | Jan 1, 1988 |
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 17731 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.