Bank Branches › Closed and merged banks › Iowa › Liberty Bank, F.S.B.
What happened to Liberty Bank, F.S.B.?
Liberty Bank, F.S.B. in West Des Moines, IA (earlier called The Lakes National Bank) closed voluntarily on Dec 30, 2013. It did not fail.
The chain, step by step
From the day it opened to the last entry on record. Each step is one entry in the FDIC's record.
- 1972The Lakes National Bank opens in West Des Moines, IA
- Jan 1, 1999renamed Liberty Bank, F.S.B.
- Dec 30, 2013CLOSEDLiberty Bank, F.S.B. closed voluntarily. It did not fail.FDIC certificate 20594 ends.
- NO SUCCESSOR BANK
The FDIC record ends here. No operating bank carries this charter today.
If you still have something from Liberty Bank, F.S.B.
A lien that was never released
Liberty Bank, F.S.B. closed voluntarily, and the FDIC says it cannot process lien releases for banks that closed voluntarily and liquidated or closed without government assistance. The FDIC says it may be able to help only where the lender was a failed bank placed in FDIC receivership.
Our suggestion, not the FDIC's: a title company or real-estate attorney in the county where the lien is recorded will know how that state clears a lien from a lender that no longer exists.
An old account, passbook or CD
With no successor bank to ask, go to the unclaimed-property program of the state of the owner's last known address on the bank's records. The OCC gives the same advice for old records from a bank that no longer exists.
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
Contents of boxes left behind are handled under state unclaimed-property law. Start with the unclaimed-property program of Iowa, where the box was.
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.
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
42 offices filed under this charter in some year from 1994 on. 9 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 175 E 3rd StGarner, IA | OpenReliance State Bank |
| 46 N Okoboji Grove RdArnolds Park, IA | OpenNorthwest Bank |
| 5070 Mills Civic PkwyWest Des Moines, IA | OpenCentral Bank |
| 2805 N Ankeny BlvdAnkeny, IA | OpenCentral Bank |
| 2650 W BroadwayCouncil Bluffs, IA | OpenAssociated Bank, National Association |
| 4018 University AveDes Moines, IA | OpenCentral Bank |
| 4020 Bankers BlvdWaterloo, IA | OpenHeartland Bank and Trust Company |
| 119 2nd St, Ste 100Coralville, IA | OpenHeartland Bank and Trust Company |
| 1705 Burr Oak BlvdGranger, IA | OpenEarlham Savings Bank |
| 205 West 2nd StreetCedar Falls, IA | No longer reported |
| 3800 100th StUrbandale, IA | No longer reported |
| 2742 Hubbell AvenueDes Moines, IA | No longer reported |
| 700 Walnut Street, Suite 203Des Moines, IA | No longer reported |
| 13523 University AvenueClive, IA | No longer reported |
| 6139 Ashworth RoadWest Des Moines, IA | No longer reported |
| 320 3rd St SeCedar Rapids, IA | No longer reported |
| 5210 Council Street, NortheastCedar Rapids, IA | No longer reported |
| 2370 Vanderbilt Beach RoadNaples, FL | No longer reported |
| 261 Sinsinawa AvenueEast Dubuque, IL | No longer reported |
| 1205 Cape Coral Pkwy ECape Coral, FL | No longer reported |
| 2201 Jackson StreetDubuque, IA | No longer reported |
| 2045 Holiday DriveDubuque, IA | No longer reported |
| 14 South Clinton StreetIowa City, IA | No longer reported |
| 655 Community DriveNorth Liberty, IA | No longer reported |
| 315 Main StreetIowa Falls, IA | No longer reported |
| 1230 East Pierce StreetCouncil Bluffs, IA | No longer reported |
| 3307 Highway 71Spirit Lake, IA | No longer reported |
| 802 Lake StreetSpirit Lake, IA | No longer reported |
| 2370 Vanderbilt Beach RoadVanderbilt, FL | No longer reported |
| 1509 Edgington AveEldora, IA | No longer reported |
| 508 G AveGrundy Center, IA | No longer reported |
| 2650 West BroadwayCouncil Bluffs, IA | No longer reported |
| 4450 Bonita Beach Road, Suite 15Bonita Springs, FL | No longer reported |
| Highway 71 46 N. Okoboji Grove Rd.Arnolds Park, IA | No longer reported |
| 802 Se Oralabor Road Suite 126Ankeny, IA | No longer reported |
| 100 East Main StreetKlemme, IA | No longer reported |
| 4949 North Tamiami Trail SuiNaples, FL | No longer reported |
| 6400 Westown ParkwayWest Des Moines, IA | No longer reported |
| 5929 Ashworth RoadDes Moines, IA | No longer reported |
| 2650 West BroadwayCouncil Bluffs, IA | No longer reported |
Banks folded into Liberty Bank, F.S.B.
4 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Liberty BankNaples, FL | Feb 1, 2010 |
| First Bank and TrustSpirit Lake, IA | Dec 3, 2007 |
| State Federal Savings and Loan Association of Des MoinesClive, IA | Mar 11, 2004 |
| Hancock County Bank & TrustGarner, IA | May 2, 2003 |
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 20594 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.