Bank Branches › Closed and merged banks › North Dakota › Community First National Bank
What happened to Community First National Bank?
Community First National Bank in Fargo, ND (earlier called The Fargo National Bank & Trust Company and 2 other names) merged into Bank of the West of San Francisco, CA on Dec 3, 2004. After 1 more change of hands, what was Community First National Bank is today part of BMO Bank National Association (Chicago, IL).
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.
- 1897The Fargo National Bank & Trust Company opens in Fargo, ND
- Apr 30, 1986renamed First Interstate Bank of Fargo, National Association
- Nov 16, 1992renamed Community First National Bank of Fargo
- Jan 3, 1995renamed Community First National Bank
- Dec 3, 2004MERGEDCommunity First National Bank merged into Bank of the West of San Francisco, CA.FDIC certificate 3924 ends; its business continues under certificate 3514.
- Feb 2, 2023MERGEDBank of the West of San Francisco, CA merged into BMO Harris Bank National Association of Chicago, IL.FDIC certificate 3514 ends; its business continues under certificate 16571.
- TodayOPEN
BMO Bank National AssociationMain office Chicago, IL · FDIC certificate 16571 · 988 offices in 23 states on June 30, 2026Every BMO Bank National Association office → Website on file with the FDIC: www.bmo.com
If you still have something from Community First National Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Community First National Bank as lienholder, start with BMO 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 BMO Bank National Association to search for the account under the name Community First National 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 BMO Bank National Association which branch now holds boxes from the Community First National 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
180 offices filed under this charter in some year from 1994 on. 106 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 976 W Chandler BlvdChandler, AZ | OpenWestern State Bank |
| 142 E 200 SSalt Lake City, UT | OpenBMO Bank National Association |
| 12000 Washington StThornton, CO | OpenBMO Bank National Association |
| 9832 Campo RdSpring Valley, CA | OpenBMO Bank National Association |
| 405 6th StreetCrested Butte, CO | OpenBMO Bank National Association |
| 480 N Navajo DrPage, AZ | OpenBMO Bank National Association |
| 25657 Conifer RdConifer, CO | OpenBMO Bank National Association |
| 3779 Evergreen PkwyEvergreen, CO | OpenBMO Bank National Association |
| 1211 N 7th StGrand Junction, CO | OpenBMO Bank National Association |
| 4001 13th Ave SFargo, ND | OpenBMO Bank National Association |
| 3800 Arapahoe AveBoulder, CO | OpenBMO Bank National Association |
| 2200 E LincolnwayCheyenne, WY | OpenBMO Bank National Association |
| 1234 E Main StEl Cajon, CA | OpenBMO Bank National Association |
| 101 S Broad StGlobe, AZ | OpenBMO Bank National Association |
| 120 W Water StDecorah, IA | OpenBMO Bank National Association |
| 4290 W 10th StGreeley, CO | OpenBMO Bank National Association |
| 201 N Church StLas Cruces, NM | OpenBMO Bank National Association |
| 201 N Main StGunnison, CO | OpenBMO Bank National Association |
| 3041 S Kinney RdTucson, AZ | OpenBMO Bank National Association |
| 106 N French StBreckenridge, CO | OpenBMO Bank National Association |
| 150 W Villard StDickinson, ND | OpenBMO Bank National Association |
| 387 N Main StEagar, AZ | OpenBMO Bank National Association |
| 160 W Pearl AveJackson, WY | OpenBMO Bank National Association |
| 1000 N Summit BlvdFrisco, CO | OpenBMO Bank National Association |
| 770 E Kiowa AveElizabeth, CO | OpenBMO Bank National Association |
| 1075 W Horsetooth RdFort Collins, CO | OpenBMO Bank National Association |
| 15 E Main StVermillion, SD | OpenBMO Bank National Association |
| 1027 4th AveWorthington, MN | OpenBMO Bank National Association |
| 9335 E County Line RdCentennial, CO | OpenBMO Bank National Association |
| 1610 Hover StLongmont, CO | OpenBMO Bank National Association |
| 214 Atlantic AveMorris, MN | OpenBMO Bank National Association |
| 2070 E Highway 60Miami, AZ | OpenBMO Bank National Association |
| 146 G StSalida, CO | OpenBMO Bank National Association |
| 65 E BroadwayLittle Falls, MN | OpenBMO Bank National Association |
| 120 N Mill StFergus Falls, MN | OpenBMO Bank National Association |
| 555 Lincoln AveSteamboat Springs, CO | OpenBMO Bank National Association |
| 402 Main StDelta, CO | OpenBMO Bank National Association |
| 213 N Commercial StTrinidad, CO | OpenBMO Bank National Association |
| 224 Box Butte AveAlliance, NE | OpenBMO Bank National Association |
| 701 S Zerex StFraser, CO | OpenBMO Bank National Association |
Banks folded into Community First National Bank
15 banks merged directly into this charter; counting the banks those had absorbed earlier, 124 charters end up inside it.
| Bank | Ended |
|---|---|
| Community First State BankVermillion, SD | Mar 22, 2001 |
| Community First National BankPhoenix, AZ | Aug 29, 2000 |
| Community First National BankSpring Valley, CA | Aug 29, 2000 |
| Community First National BankFort Morgan, CO | Aug 29, 2000 |
| Community First National BankDecorah, IA | Aug 29, 2000 |
| Community First National BankFergus Falls, MN | Aug 29, 2000 |
| Community First National BankAlliance, NE | Aug 29, 2000 |
| Community First National BankLas Cruces, NM | Aug 29, 2000 |
| Community First National BankSalt Lake City, UT | Aug 29, 2000 |
| Community First National BankSpooner, WI | Aug 29, 2000 |
| Community First National BankCheyenne, WY | Aug 29, 2000 |
| Community First National BankDickinson, ND | Jan 1, 1997 |
| Community First National Bank of LidgerwoodLidgerwood, ND | Jan 3, 1995 |
| Community First National Bank of WahpetonWahpeton, ND | Jan 3, 1995 |
| Community First State Bank of CooperstownCooperstown, ND | Jan 3, 1995 |
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 3924 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.