Bank Branches › Closed and merged banks › Michigan › Standard Federal Bank
What happened to Standard Federal Bank?
Standard Federal Bank in Troy, MI (earlier called Standard Federal Savings and Loan Association) merged into Standard Federal Bank National Association of Troy, MI on Oct 6, 2001. After 1 more change of hands, what was Standard Federal Bank is today part of Bank of America, National Association (Charlotte, NC).
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.
- 1890Standard Federal Savings and Loan Association opens in Troy, MI
- Feb 28, 1985renamed Standard Federal Bank
- Oct 6, 2001MERGEDStandard Federal Bank merged into Standard Federal Bank National Association of Troy, MI.FDIC certificate 27714 ends; its business continues under certificate 22488.
- Oct 17, 2008MERGEDStandard Federal Bank National Association (by then renamed LaSalle Bank Midwest National Association) of Troy, MI merged into Bank of America, National Association of Charlotte, NC.FDIC certificate 22488 ends; its business continues under certificate 3510.
- TodayOPEN
Bank of America, National AssociationMain office Charlotte, NC · FDIC certificate 3510 · 3,598 offices in 39 states on June 30, 2026Every Bank of America, National Association office → Website on file with the FDIC: www.bankofamerica.com
If you still have something from Standard Federal Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Standard Federal Bank as lienholder, start with Bank of America, 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 Bank of America, National Association to search for the account under the name Standard Federal 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 Bank of America, National Association which branch now holds boxes from the Standard Federal 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
211 offices filed under this charter in some year from 1994 on. 43 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 2699 W Big Beaver RdTroy, MI | OpenBank of America, National Association |
| 3700 W Maple RdBloomfield Hills, MI | OpenBank of America, National Association |
| 35410 Grand River AveFarmington Hills, MI | OpenBank of America, National Association |
| 19700 Mack AveGrosse Pointe Woods, MI | OpenBank of America, National Association |
| 940 E Long Lake RdTroy, MI | OpenBank of America, National Association |
| 39100 Dequindre RdSterling Heights, MI | OpenBank of America, National Association |
| 30700 Schoenherr RdWarren, MI | OpenBank of America, National Association |
| 55 W 12 Mile RdMadison Heights, MI | OpenBank of America, National Association |
| 121 N Wayne RdWestland, MI | OpenBank of America, National Association |
| 8516 W Grand River AveBrighton, MI | OpenBank of America, National Association |
| 200 E Main St, Ste 100Fort Wayne, IN | Open1st Source Bank |
| 3270 Sterns RdLambertville, MI | OpenThe Huntington National Bank |
| 602 S Monroe StMonroe, MI | OpenThe Huntington National Bank |
| 28746 Woodward AveRoyal Oak, MI | OpenBank of America, National Association |
| 3546 W Central AveToledo, OH | OpenThe Huntington National Bank |
| 44101 Ford RdCanton, MI | OpenBank of America, National Association |
| 825 W Long Lake RdBloomfield Hills, MI | OpenBank of America, National Association |
| 44100 Schoenherr RdSterling Heights, MI | OpenBank of America, National Association |
| 25001 Van Dyke AveCenter Line, MI | OpenBank of America, National Association |
| 5051 Coolidge HwyTroy, MI | OpenBank of America, National Association |
| 13763 Northline RdSouthgate, MI | OpenBank of America, National Association |
| 37370 S Gratiot AveClinton Township, MI | OpenBank of America, National Association |
| 4660 24 Mile RdShelby Township, MI | OpenBank of America, National Association |
| 4700 Heatherdowns BlvdToledo, OH | OpenThe Huntington National Bank |
| 23225 Marter RdSt. Clair Shores, MI | OpenBank of America, National Association |
| 37801 W 12 Mile RdFarmington Hills, MI | OpenBank of America, National Association |
| 27511 Telegraph RdFlat Rock, MI | OpenBank of America, National Association |
| 7405 Lewis AveTemperance, MI | OpenThe Huntington National Bank |
| 320 N Main StElkhart, IN | OpenOld National Bank |
| 3035 S Rochester RdRochester Hills, MI | OpenBank of America, National Association |
| 232 Tecumseh StDundee, MI | OpenThe Huntington National Bank |
| 2630 Jackson AveAnn Arbor, MI | OpenBank of America, National Association |
| 500 Griswold StDetroit, MI | OpenBank of America, National Association |
| 5201 N Summit StToledo, OH | OpenThe Huntington National Bank |
| 3201 Portage StKalamazoo, MI | OpenOld National Bank |
| 300 Croghan StFremont, OH | OpenThe Huntington National Bank |
| 124 S Main StBluffton, IN | Open1st Source Bank |
| 5719 Bluffton RdFort Wayne, IN | Open1st Source Bank |
| 6506 E State BlvdFort Wayne, IN | Open1st Source Bank |
| 902 Lincoln Hwy ENew Haven, IN | Open1st Source Bank |
Banks folded into Standard Federal Bank
19 banks merged directly into this charter; counting the banks those had absorbed earlier, 27 charters end up inside it.
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 27714 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.