Bank Branches › Closed and merged banks › Maryland › Mercantile Potomac Bank
What happened to Mercantile Potomac Bank?
Mercantile Potomac Bank in Gaithersburg, MD (earlier called The Commerce Bank and Trust Company of Maryland and 1 other name) merged into Mercantile-Safe Deposit and Trust Company of Baltimore, MD on Apr 21, 2005. After 1 more change of hands, what was Mercantile Potomac Bank is today part of PNC Bank, National Association (Wilmington, DE).
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.
- 1974The Commerce Bank and Trust Company of Maryland opens in Gaithersburg, MD
- Oct 3, 1977renamed Potomac Valley Bank
- May 21, 2004renamed Mercantile Potomac Bank
- Apr 21, 2005MERGEDMercantile Potomac Bank merged into Mercantile-Safe Deposit and Trust Company of Baltimore, MD.FDIC certificate 21415 ends; its business continues under certificate 20347.
- Sep 14, 2007MERGEDMercantile-Safe Deposit and Trust Company of Baltimore, MD merged into PNC Bank, National Association of Wilmington, DE.FDIC certificate 20347 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 Potomac Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Mercantile Potomac 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 Potomac 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 Potomac 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. 4 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 702 Russell AveGaithersburg, MD | OpenPNC Bank, National Association |
| 18100 Town Center DrOlney, MD | OpenPNC Bank, National Association |
| 260 E Jefferson StRockville, MD | OpenPNC Bank, National Association |
| 7440 Spring Village DrSpringfield, VA | OpenPNC Bank, National Association |
| 26203 Ridge RoadDamascus, MD | No longer reported |
| 4749 Sangamore RoadBethesda, MD | No longer reported |
| 21111 Frederick RoadGermantown, MD | No longer reported |
| 1800 Rockville PikeRockville, MD | No longer reported |
| 4424 Montgomery Avenue, # 100Bethesda, MD | No longer reported |
| 10113 River RoadPotomac, MD | No longer reported |
| 13074 Middlebrook RoadGermantown, MD | No longer reported |
| 19375 Magnolia Grove Square #240Lansdowne, VA | No longer reported |
| 45975 Nokes BoulevardSterling, VA | No longer reported |
| 1629 K Street N.W.Washington, DC | No longer reported |
| 8229 Boone Blvd, # 102Vienna, VA | No longer reported |
| 14231 Willard Road, # 100Chantilly, VA | No longer reported |
| 12801 Wisteria DriveGermantown, MD | No longer reported |
Banks folded into Mercantile Potomac Bank
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Potomac National BankPotomac, MD | Oct 3, 1977 |
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 21415 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.