Bank Branches › Closed and merged banks › Maryland › American Trust Bank
What happened to American Trust Bank?
American Trust Bank in Cumberland, MD (earlier called The Garrett National Bank in Oakland and 2 other names) merged into American Trust Bank, National Association of Cumberland, MD on Feb 1, 1996. After 2 more changes of hands, what was American Trust Bank is today part of Manufacturers and Traders Trust Company (Buffalo, NY).
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.
- 1933The Garrett National Bank in Oakland opens in Cumberland, MD
- Jan 1, 1985renamed Garrett National Bank
- Dec 7, 1992renamed American Trust Bank, N.A.
- Apr 1, 1993renamed American Trust Bank
- Feb 1, 1996MERGEDAmerican Trust Bank merged into American Trust Bank, National Association of Cumberland, MD.FDIC certificate 4858 ends; its business continues under certificate 6770.
- Dec 31, 1998MERGEDAmerican Trust Bank, National Association of Cumberland, MD merged into Pennsylvania National Bank and Trust Company of Harrisburg, PA.FDIC certificate 6770 ends; its business continues under certificate 7712.
- Oct 7, 2000MERGEDPennsylvania National Bank and Trust Company (by then renamed Keystone Financial Bank, National Association) of Harrisburg, PA merged into Manufacturers and Traders Trust Company of Buffalo, NY.FDIC certificate 7712 ends; its business continues under certificate 588.
- TodayOPEN
Manufacturers and Traders Trust CompanyMain office Buffalo, NY · FDIC certificate 588 · 957 offices in 14 states on June 30, 2026Every Manufacturers and Traders Trust Company office → Website on file with the FDIC: www.mtb.com
If you still have something from American Trust Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows American Trust Bank as lienholder, start with Manufacturers and Traders Trust Company. 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 Manufacturers and Traders Trust Company to search for the account under the name American Trust 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 Manufacturers and Traders Trust Company which branch now holds boxes from the American Trust 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
19 offices filed under this charter in some year from 1994 on. 5 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 1201 National HwyLa Vale, MD | OpenManufacturers and Traders Trust Company |
| 46 S 2nd StOakland, MD | OpenManufacturers and Traders Trust Company |
| 166 Baltimore StCumberland, MD | OpenManufacturers and Traders Trust Company |
| 124 Main StGrantsville, MD | OpenManufacturers and Traders Trust Company |
| 51 Main StWesternport, MD | OpenManufacturers and Traders Trust Company |
| 19795 Garrett HighwayOakland, MD | No longer reported |
| The Garrett County FairgroundsMc Henry, MD | No longer reported |
| Green and Third StreetsOakland, MD | No longer reported |
| 106 North Main StreetAccident, MD | No longer reported |
| 234 East Main StreetKitzmiller, MD | No longer reported |
| 29 Main StreetLonaconing, MD | No longer reported |
| Country Club Mall Suite 708Lavale, MD | No longer reported |
| U.S. 220Cumberland, MD | No longer reported |
| 600 West Industrial BoulevardCumberland, MD | No longer reported |
| Main and Union StreetsMidland, MD | No longer reported |
| 81 Baltimore StreetCumberland, MD | No longer reported |
| Grantsville, MD | No longer reported |
| Routes 135 and 560Mountain Lake Park, MD | No longer reported |
| LA Vale Plaza Shopping CenterLA Vale, MD | No longer reported |
Banks folded into American Trust Bank
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Liberty Bank of MarylandCumberland, MD | Dec 7, 1992 |
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 4858 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.