Bank Branches › Closed and merged banks › Maryland › Mercantile Southern Maryland Bank
What happened to Mercantile Southern Maryland Bank?
Mercantile Southern Maryland Bank in Leonardtown, MD (earlier called Calvert Bank and Trust Company) merged into PNC Bank, National Association of Wilmington, DE on Sep 14, 2007. PNC Bank, National Association 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.
- 1963Calvert Bank and Trust Company opens in Leonardtown, MD
- Jul 28, 2004renamed Mercantile Southern Maryland Bank
- Sep 14, 2007MERGEDMercantile Southern Maryland Bank merged into PNC Bank, National Association of Wilmington, DE.FDIC certificate 18933 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 Mercantile Southern Maryland Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Mercantile Southern Maryland Bank 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 Mercantile Southern Maryland 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 PNC Bank, National Association which branch now holds boxes from the Mercantile Southern Maryland 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
17 offices filed under this charter in some year from 1994 on. 7 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 155 W Dares Beach RdPrince Frederick, MD | OpenPNC Bank, National Association |
| 22610 Three Notch RdLexington Park, MD | OpenPNC Bank, National Association |
| 25895 Point Lookout RdLeonardtown, MD | OpenPNC Bank, National Association |
| 3135 Crain HwyWaldorf, MD | OpenPNC Bank, National Association |
| 37650 Oak Station RdCharlotte Hall, MD | OpenPNC Bank, National Association |
| 13984 H G Trueman RoadSolomons, MD | OpenPNC Bank, National Association |
| 7933 Bayside RdChesapeake Beach, MD | OpenPNC Bank, National Association |
| 1 North Prospect AvenueIndian Head, MD | No longer reported |
| 304 Charles StreetLA Plata, MD | No longer reported |
| 8341 Leonardtown RoadHughesville, MD | No longer reported |
| 2595 Crain HighwayWaldorf, MD | No longer reported |
| 24385 Mervell Dean RdHollywood, MD | No longer reported |
| 21625 Great Mills RoadLexington Park, MD | No longer reported |
| 41614 Park AvenueLeonardtown, MD | No longer reported |
| 8190 Jennifer LaneOwings, MD | No longer reported |
| 15 Duke StreetPrince Frederick, MD | No longer reported |
| 4990 St Leonard RoadSt Leonard, MD | No longer reported |
Banks folded into Mercantile Southern Maryland Bank
2 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| The First National Bank of St. Mary's at LeonardtownLeonardtown, MD | Jul 28, 2004 |
| Bank of Southern MarylandLa Plata, MD | Jul 28, 2004 |
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 18933 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.