Bank Branches › Closed and merged banks › Missouri › Central Bank of St. Louis
What happened to Central Bank of St. Louis?
Central Bank of St. Louis in Clayton, MO (earlier called The First National Bank of Clayton and 2 other names) merged into The Central Trust Bank of Jefferson City, MO on Oct 1, 2021. The Central Trust Bank 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.
- 1902The First National Bank of Clayton opens in Clayton, MO
- Jan 1, 1984renamed The First National Bank of St. Louis County
- Sep 1, 1990renamed First National Bank of St. Louis
- Nov 14, 2014renamed Central Bank of St. Louis
- Oct 1, 2021MERGEDCentral Bank of St. Louis merged into The Central Trust Bank of Jefferson City, MO.FDIC certificate 4534 ends; its business continues under certificate 12633.
- TodayOPEN
The Central Trust BankMain office Jefferson City, MO · FDIC certificate 12633 · 164 offices in 6 states on June 30, 2026Every The Central Trust Bank office → Website on file with the FDIC: www.centralbank.net
If you still have something from Central Bank of St. Louis
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Central Bank of St. Louis as lienholder, start with The Central Trust Bank. 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 The Central Trust Bank to search for the account under the name Central Bank of St. Louis. 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 The Central Trust Bank which branch now holds boxes from the Central Bank of St. Louis 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
18 offices filed under this charter in some year from 1994 on. 16 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 7707 Forsyth BlvdClayton, MO | OpenThe Central Trust Bank |
| 12230 Manchester RdDes Peres, MO | OpenThe Central Trust Bank |
| 1700 Clarkson RdChesterfield, MO | OpenThe Central Trust Bank |
| 9645 Clayton RdSaint Louis, MO | OpenThe Central Trust Bank |
| 2996 Highway KO Fallon, MO | OpenThe Central Trust Bank |
| 12224 Tesson Ferry RdSaint Louis, MO | OpenThe Central Trust Bank |
| 3700 New Town BlvdSaint Charles, MO | OpenThe Central Trust Bank |
| 3 E Washington StMillstadt, IL | OpenThe Central Trust Bank |
| 179 Plaza DrGrover, MO | OpenThe Central Trust Bank |
| 669 N New Ballas RdCreve Coeur, MO | OpenThe Central Trust Bank |
| 321 S Main StO Fallon, MO | OpenThe Central Trust Bank |
| 350 Hartman LnO Fallon, IL | OpenThe Central Trust Bank |
| 800 Ofallon RdWeldon Spring, MO | OpenThe Central Trust Bank |
| 285 Southwoods CtrColumbia, IL | OpenThe Central Trust Bank |
| 1 Mcknight PlSt. Louis, MO | OpenThe Central Trust Bank |
| 10704 West Florissant AveSaint Louis, MO | OpenThe Central Trust Bank |
| 2116 Nelwood DrColumbia, MO | No longer reported |
| 13001 Manchester RoadDes Peres, MO | No longer reported |
Banks folded into Central Bank of St. Louis
3 banks merged directly into this charter; counting the banks those had absorbed earlier, 4 charters end up inside it.
| Bank | Ended |
|---|---|
| First National Bank of MillstadtMillstadt, IL | Nov 5, 2007 |
| Midamerica Bank of St. Clair CountyO Fallon, IL | Mar 1, 2001 |
| Colonial BankDes Peres, MO | Sep 11, 1998 |
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 4534 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.