Bank Branches › Closed and merged banks › Maryland › The Citizens National Bank
What happened to The Citizens National Bank?
The Citizens National Bank in Laurel, MD merged into PNC Bank, National Association of Wilmington, DE on Sep 14, 2007. PNC Bank, National Association 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.
- 1890The Citizens National Bank opens in Laurel, MD
- Sep 14, 2007MERGEDThe Citizens National Bank merged into PNC Bank, National Association of Wilmington, DE.FDIC certificate 4852 ends; its business continues under certificate 6384.
- TodayOPEN
PNC Bank, National AssociationMain office Wilmington, DE · FDIC certificate 6384 · 2,401 offices in 28 states on June 30, 2026Every PNC Bank, National Association office → Website on file with the FDIC: www.pnc.com
If you still have something from The Citizens National Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows The Citizens National Bank as lienholder, start with PNC 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 PNC Bank, National Association to search for the account under the name The Citizens 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 PNC Bank, National Association which branch now holds boxes from the The Citizens 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
27 offices filed under this charter in some year from 1994 on. 14 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 10450 Baltimore AveBeltsville, MD | OpenPNC Bank, National Association |
| 8593 Baltimore National PikeEllicott City, MD | OpenPNC Bank, National Association |
| 6130 Columbia Crossing CirColumbia, MD | OpenPNC Bank, National Association |
| 4392 Montgomery RdEllicott City, MD | OpenPNC Bank, National Association |
| 3323 Stonybrook DriveBowie, MD | OpenPNC Bank, National Association |
| 5800 Clarksville Square DrClarksville, MD | OpenPNC Bank, National Association |
| 390 Main StLaurel, MD | OpenPNC Bank, National Association |
| 2377 Brandermill BlvdGambrills, MD | OpenPNC Bank, National Association |
| 1253 Annapolis RdOdenton, MD | OpenPNC Bank, National Association |
| 16481 Excalibur RdBowie, MD | OpenPNC Bank, National Association |
| 3386 Laurel Fort Meade RdLaurel, MD | OpenPNC Bank, National Association |
| 8194 Maple Lawn BlvdFulton, MD | OpenPNC Bank, National Association |
| 6245 Washington BlvdElkridge, MD | OpenPNC Bank, National Association |
| 3140 Gracefield RdSilver Spring, MD | OpenPNC Bank, National Association |
| 3110 Gracefield RdSilver Spring, MD | No longer reported |
| Reece Road And Mcarthur BoulevardFort George G. Meade, MD | No longer reported |
| 1344 Ashton RoadHanover, MD | No longer reported |
| 10440 Little Patuxent Pkwy, Ste G4Columbia, MD | No longer reported |
| 3900 Ten Oaks Road, Suite #12Glenelg, MD | No longer reported |
| 2151 Warwick WayWoodstock, MD | No longer reported |
| 5565 Sterrett Place, Suite 110Columbia, MD | No longer reported |
| 7451 Van Dusen RdLaurel, MD | No longer reported |
| 12613 Laurel-Bowie RoadLaurel, MD | No longer reported |
| 517-521 Main StreetLaurel, MD | No longer reported |
| 15628 Columbia PikeBurtonsville, MD | No longer reported |
| 3386 Fort Meade RoadLaurel, MD | No longer reported |
| 7720 Washington BoulevardBaltimore, MD | No longer reported |
Banks folded into The Citizens National Bank
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Belair National BankBowie, MD | Jan 3, 1977 |
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 4852 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.