Bank Branches › Closed and merged banks › Iowa › Firstcentral Bank, A Federal Savings Bank
What happened to Firstcentral Bank, A Federal Savings Bank?
Firstcentral Bank, A Federal Savings Bank in Chariton, IA (earlier called Central Savings and 3 other names) failed, and FIRSTCENTRAL Federal Savings Bank of Chariton, IA took it over on Jan 4, 1990. After 1 more change of hands, what was Firstcentral Bank, A Federal Savings Bank is today part of Midwest Heritage Bank, FSB (West Des Moines, IA).
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.
- 1938Central Savings opens in Chariton, IA
- Jul 1, 1971renamed Central Savings & Loan Association
- Jun 1, 1975renamed Central Savings Association
- Sep 1, 1980renamed Central Federal Savings and Loan Association
- May 1, 1983renamed Firstcentral Bank, A Federal Savings Bank
- Jan 4, 1990FAILEDFirstcentral Bank, A Federal Savings Bank failed, and FIRSTCENTRAL Federal Savings Bank of Chariton, IA took it over.FDIC certificate 30034 ends; its business continues under certificate 32873.
- Sep 7, 1990RESOLVEDFIRSTCENTRAL Federal Savings Bank of Chariton, IA was closed in a federal resolution, and its business passed to National Bank and Trust Company of Chariton of West Des Moines, IA.FDIC certificate 32873 ends; its business continues under certificate 4432.
- TodayOPEN
Midwest Heritage Bank, FSBMain office West Des Moines, IA · FDIC certificate 4432 · 13 offices in 2 states on June 30, 2026Every Midwest Heritage Bank, FSB office → Website on file with the FDIC: www.midwestheritage.com
If you still have something from Firstcentral Bank, A Federal Savings Bank
A lien that was never released
Firstcentral Bank, A Federal Savings Bank failed on Jan 4, 1990, handled by the Resolution Trust Corporation, the agency that closed failed savings institutions from 1989 to 1995. The FDIC's lien-release page covers failed banks and savings and loans placed in FDIC receivership; it does not say how releases work for resolutions this old.
Call FDIC Resolution Inquiries at 888-206-4662 (8am–4pm Central, weekdays) and ask whether the FDIC holds this institution's receivership. Ask Midwest Heritage Bank, FSB as well: the chain above leads there. The FDIC's own instructions are at FDIC, Obtaining a Lien Release.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, FIRSTCENTRAL Federal Savings Bank). Start with Midwest Heritage Bank, FSB, and ask them to search under the name Firstcentral Bank, A Federal Savings Bank.
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 Midwest Heritage Bank, FSB. 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 30034 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.