Bank Branches › Closed and merged banks › Missouri › American Bank of Franklin County
What happened to American Bank of Franklin County?
American Bank of Franklin County in Union, MO (earlier called First National Bank of Franklin County and 1 other name) merged into Mercantile Bank of Franklin County of Washington, MO on Jul 17, 1992. After 5 more changes of hands, what was American Bank of Franklin County is today part of U.S. 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.
- 1981First National Bank of Franklin County opens in Union, MO
- Oct 1, 1983renamed American Bank of Franklin County, National Association
- Oct 30, 1987renamed American Bank of Franklin County
- Jul 17, 1992MERGEDAmerican Bank of Franklin County merged into Mercantile Bank of Franklin County of Washington, MO.FDIC certificate 23655 ends; its business continues under certificate 1087.
- Oct 18, 1996MERGEDMercantile Bank of Franklin County of Washington, MO merged into Mercantile Bank of Central Missouri of Washington, MO.FDIC certificate 1087 ends; its business continues under certificate 4554.
- Oct 18, 1997MERGEDMercantile Bank of Central Missouri of Washington, MO merged into First State Bank of Washington, MO.FDIC certificate 4554 ends; its business continues under certificate 4568.
- Dec 12, 1998MERGEDFirst State Bank (by then renamed Mercantile Bank of Central Missouri) of Washington, MO merged into Mercantile Bank of St. Louis National Association of Saint Louis, MO.FDIC certificate 4568 ends; its business continues under certificate 1061.
- Oct 22, 1999MERGEDMercantile Bank of St. Louis National Association of Saint Louis, MO merged into Mercantile Bank National Association of Saint Louis, MO.FDIC certificate 1061 ends; its business continues under certificate 4573.
- Aug 11, 2000MERGEDMercantile Bank National Association (by then renamed Firstar Bank Missouri, National Association) of Saint Louis, MO merged into Firstar Bank, National Association of Cincinnati, OH.FDIC certificate 4573 ends; its business continues under certificate 6548.
- TodayOPEN
U.S. Bank National AssociationMain office Cincinnati, OH · FDIC certificate 6548 · 2,097 offices in 29 states on June 30, 2026Every U.S. Bank National Association office → Website on file with the FDIC: www.usbank.com
If you still have something from American Bank of Franklin County
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows American Bank of Franklin County as lienholder, start with U.S. 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 U.S. Bank National Association to search for the account under the name American Bank of Franklin County. 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 U.S. Bank National Association which branch now holds boxes from the American Bank of Franklin County 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 ▾
Banks folded into American Bank of Franklin County
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| First State Bank of UnionUnion, MO | Dec 15, 1981 |
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 23655 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.