Bank Branches › Closed and merged banks › California › First National Bank of Northern California
What happened to First National Bank of Northern California?
First National Bank of Northern California in Daly City, CA (earlier called First National Bank of Daly City) merged into Tri Counties Bank of Chico, CA on Jul 6, 2018. Tri Counties Bank is open today.
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.
- 1963First National Bank of Daly City opens in Daly City, CA
- Oct 18, 1995renamed First National Bank of Northern California
- Jul 6, 2018MERGEDFirst National Bank of Northern California merged into Tri Counties Bank of Chico, CA.FDIC certificate 18767 ends; its business continues under certificate 21943.
- TodayOPEN
Tri Counties BankMain office Chico, CA · FDIC certificate 21943 · 70 offices in 1 state on June 30, 2026Every Tri Counties Bank office → Website on file with the FDIC: www.tcbk.com
If you still have something from First National Bank of Northern California
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First National Bank of Northern California as lienholder, start with Tri Counties Bank. 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 Tri Counties Bank to search for the account under the name First National Bank of Northern California. 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 Tri Counties Bank which branch now holds boxes from the First National Bank of Northern California 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
20 offices filed under this charter in some year from 1994 on. 9 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 975 El Camino RealSouth San Francisco, CA | OpenTri Counties Bank |
| 6600 Mission StDaly City, CA | OpenTri Counties Bank |
| 1450 Linda Mar Shopping CtrPacifica, CA | OpenTri Counties Bank |
| 311 California StreetSan Francisco, CA | OpenTri Counties Bank |
| 150 E 3rd AveSan Mateo, CA | OpenTri Counties Bank |
| 756 Main StHalf Moon Bay, CA | OpenTri Counties Bank |
| 1551 El Camino RealMillbrae, CA | OpenTri Counties Bank |
| 700 El Camino RealRedwood City, CA | OpenTri Counties Bank |
| 239 Stage RoadPescadero, CA | OpenTri Counties Bank |
| 425 S. Mathilda AveSunnyvale, CA | No longer reported |
| 699 Portola DrSan Francisco, CA | No longer reported |
| 2197 Chestnut StSan Francisco, CA | No longer reported |
| 417 Montgomery StreetSan Francisco, CA | No longer reported |
| 211 Airport BoulevardSouth San Francisco, CA | No longer reported |
| 65 Post StreetSan Francisco, CA | No longer reported |
| 1300 El Camino RealColma, CA | No longer reported |
| 210 Eureka Square Shopping CenterPacifica, CA | No longer reported |
| 640 Brannan Street, Suite 10San Francisco, CA | No longer reported |
| 111 San Bruno Avenue WestSan Bruno, CA | No longer reported |
| 80 Skyline PlazaDaly City, CA | No longer reported |
Banks folded into First National Bank of Northern California
3 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| America California BankSan Francisco, CA | Sep 5, 2015 |
| Oceanic BankSan Francisco, CA | Sep 22, 2012 |
| Sequoia National BankSan Francisco, CA | Apr 30, 2005 |
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 18767 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.