Bank Branches › Closed and merged banks › California › The National Bank of Carmel
What happened to The National Bank of Carmel?
The National Bank of Carmel in Carmel, CA failed, and County Bank and Trust of San Jose, CA took it over on May 11, 1984. After 3 more changes of hands, what was The National Bank of Carmel is today part of Fifth Third Bank, National Association (Cincinnati, OH).
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.
- 1981The National Bank of Carmel opens in Carmel, CA
- May 11, 1984FAILEDThe National Bank of Carmel failed, and County Bank and Trust of San Jose, CA took it over.FDIC certificate 23358 ends; its business continues under certificate 1544. The FDIC's failure list dates the failure May 8, 1984.
- Jun 30, 1994MERGEDCounty Bank and Trust (by then renamed Pacific Western Bank) of San Jose, CA merged into Comerica Bank-California of San Jose, CA.FDIC certificate 1544 ends; its business continues under certificate 22894.
- Jun 30, 2003MERGEDComerica Bank-California of San Jose, CA merged into Comerica Bank of Dallas, TX.FDIC certificate 22894 ends; its business continues under certificate 983.
- Feb 1, 2026MERGEDComerica Bank of Dallas, TX merged into Fifth Third Bank, National Association of Cincinnati, OH.FDIC certificate 983 ends; its business continues under certificate 6672.
- TodayOPEN
Fifth Third Bank, National AssociationMain office Cincinnati, OH · FDIC certificate 6672 · 1,513 offices in 15 states on June 30, 2026Every Fifth Third Bank, National Association office → Website on file with the FDIC: www.53.com
If you still have something from The National Bank of Carmel
A lien that was never released
The National Bank of Carmel failed on May 8, 1984. For a failed bank placed in FDIC receivership, the FDIC may be able to issue the lien release, if the loan was paid off to the bank before it failed or to the FDIC afterward. The FDIC says that where a failed bank had an acquirer, its records in most cases went to that acquirer. Here the chain from the acquirer leads to Fifth Third Bank, National Association, which is worth asking too.
Requests go through the FDIC Information and Support Center with the recorded mortgage or title, and proof of payoff. The FDIC says to allow 30 business days once it has every document, and does not take requests by phone or email. Questions: FDIC Resolution Inquiries, 888-206-4662, 8am–4pm Central on weekdays.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, County Bank and Trust). Start with Fifth Third Bank, National Association, and ask them to search under the name The National Bank of Carmel.
This failure is older than the current federal rule on unclaimed deposits (mid-1993), so different rules apply. Search FDIC unclaimed funds search, search the unclaimed-property program of the state of the owner's last known address on the bank's records, and ask FDIC Resolution Inquiries at 888-206-4662 what applies to this institution.
A safe deposit box
The FDIC says that when a healthy bank assumes a failed bank's deposits, the branches usually reopen the next business day with box access. Today, ask Fifth Third Bank, National Association. A box abandoned for years may have been 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 23358 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.