Bank BranchesEvery insured bank office · FDIC · 1994–2026

Bank Branches › Closed and merged banks › Colorado › Summit County Bank

FDIC certificate 19619 · Frisco, CO

What happened to Summit County Bank?

Summit County Bank in Frisco, CO merged into Bank of Breckenridge, National Association of Breckenridge, CO on Nov 1, 1991. After 6 more changes of hands, what was Summit County Bank is today part of BMO Bank National Association (Chicago, IL).

1966
opened
1991
merged away
1
name it used
7
steps to today's bank

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.

  1. 1966
    Summit County Bank opens in Frisco, CO
  2. Nov 1, 1991
    MERGEDSummit County Bank merged into Bank of Breckenridge, National Association of Breckenridge, CO.FDIC certificate 19619 ends; its business continues under certificate 20350.
  3. Jan 1, 1995
    MERGEDBank of Breckenridge, National Association (by then renamed The Bank, National Association) of Breckenridge, CO merged into Mountain Parks Bank of Breckenridge, CO.FDIC certificate 20350 ends; its business continues under certificate 1772.
  4. Sep 1, 1996
    MERGEDMountain Parks Bank (by then renamed Mountain Parks Bank - West) of Breckenridge, CO merged into Mountain Parks Bank of Denver, CO.FDIC certificate 1772 ends; its business continues under certificate 26352.
  5. Apr 1, 1997
    MERGEDMountain Parks Bank (by then renamed Colorado Community First State Bank - Co) of Denver, CO merged into Colorado Community First National Bank of Fort Morgan, CO.FDIC certificate 26352 ends; its business continues under certificate 14297.
  6. Aug 29, 2000
    MERGEDColorado Community First National Bank (by then renamed Community First National Bank) of Fort Morgan, CO merged into Community First National Bank of Fargo, ND.FDIC certificate 14297 ends; its business continues under certificate 3924.
  7. Dec 3, 2004
    MERGEDCommunity First National Bank of Fargo, ND merged into Bank of the West of San Francisco, CA.FDIC certificate 3924 ends; its business continues under certificate 3514.
  8. Feb 2, 2023
    MERGEDBank 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.
  9. Today
    OPEN
    BMO Bank National AssociationMain office Chicago, IL · FDIC certificate 16571 · 988 offices in 23 states on June 30, 2026

    Every BMO Bank National Association office →   Website on file with the FDIC: www.bmo.com

If you still have something from Summit County Bank

A lien that was never released

If a paid-off mortgage, home-equity line or car loan still shows Summit County Bank 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 Summit County 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 BMO Bank National Association which branch now holds boxes from the Summit County 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.

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 ▾

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 19619 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.