Bank Branches › Closed and merged banks › Minnesota › RiverWood Bank, National Association
What happened to RiverWood Bank, National Association?
RiverWood Bank, National Association in Baxter, MN (earlier called First Federal Savings and Loan Association of Bemidji and 4 other names) merged into National Bank of Commerce of Superior, WI on Dec 13, 2024. National Bank of Commerce is open today.
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.
- 1910First Federal Savings and Loan Association of Bemidji opens in Baxter, MN
- Jan 31, 1989renamed First Federal Banking and Savings, FA
- Oct 17, 1994renamed First Federal Banking & Savings, FSB
- Aug 18, 1997renamed First Federal Bank
- Aug 25, 2008renamed RiverWood Bank
- Dec 13, 2024renamed RiverWood Bank, National Association
- Dec 13, 2024MERGEDRiverWood Bank, National Association merged into National Bank of Commerce of Superior, WI.FDIC certificate 27932 ends; its business continues under certificate 14266.
- TodayOPEN
National Bank of CommerceMain office Superior, WI · FDIC certificate 14266 · 21 offices in 2 states on June 30, 2026Every National Bank of Commerce office → Website on file with the FDIC: www.nbcbanking.com
If you still have something from RiverWood Bank, National Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows RiverWood Bank, National Association as lienholder, start with National Bank of Commerce. 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 National Bank of Commerce to search for the account under the name RiverWood Bank, National Association. 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 National Bank of Commerce which branch now holds boxes from the RiverWood Bank, National Association 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
15 offices filed under this charter in some year from 1994 on. 12 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 214 5th St NwBemidji, MN | OpenNational Bank of Commerce |
| 532 Atlantic AveMorris, MN | OpenNational Bank of Commerce |
| 14540 Dellwood DrBaxter, MN | OpenNational Bank of Commerce |
| 1421 E 7th StMonticello, MN | OpenNational Bank of Commerce |
| 22 1st St NeBagley, MN | OpenNational Bank of Commerce |
| 240 Jefferson BlvdBig Lake, MN | OpenNational Bank of Commerce |
| 109 W Main StBaudette, MN | OpenNational Bank of Commerce |
| 1260 Paul Bunyan Dr NwBemidji, MN | OpenNational Bank of Commerce |
| 36139 County Road 66Crosslake, MN | OpenNational Bank of Commerce |
| 1329 Pacific AveBenson, MN | OpenNational Bank of Commerce |
| 503 4th StreetInternational Falls, MN | OpenNational Bank of Commerce |
| 14540 Dellwood DrBaxter, MN | OpenNational Bank of Commerce |
| 14633 Edgewood DriveBaxter, MN | No longer reported |
| 527 Minnesota AvenueWalker, MN | No longer reported |
| 2025 Paul Bunyan Drive, N.W.Bemidji, MN | No longer reported |
Banks folded into RiverWood Bank, National Association
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| RiverWood BankBaxter, MN | Feb 22, 2013 |
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 27932 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.