Bank Branches › Closed and merged banks › Michigan › FNB Financial
What happened to FNB Financial?
FNB Financial in Three Rivers, MI (earlier called The First National Bank of Three Rivers) merged into Southern Michigan Bank & Trust of Coldwater, MI on Apr 25, 2009. Southern Michigan Bank & Trust 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.
- 1864The First National Bank of Three Rivers opens in Three Rivers, MI
- Dec 31, 2007renamed FNB Financial
- Apr 25, 2009MERGEDFNB Financial merged into Southern Michigan Bank & Trust of Coldwater, MI.FDIC certificate 5048 ends; its business continues under certificate 5019.
- TodayOPEN
Southern Michigan Bank & TrustMain office Coldwater, MI · FDIC certificate 5019 · 20 offices in 1 state on June 30, 2026Every Southern Michigan Bank & Trust office → Website on file with the FDIC: www.smb-t.com
If you still have something from FNB Financial
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows FNB Financial as lienholder, start with Southern Michigan Bank & Trust. 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 Southern Michigan Bank & Trust to search for the account under the name FNB Financial. 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 Southern Michigan Bank & Trust which branch now holds boxes from the FNB Financial 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
8 offices filed under this charter in some year from 1994 on. 4 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 58665 U.S. 131Three Rivers, MI | OpenSouthern Michigan Bank & Trust |
| 345 N Washington StConstantine, MI | OpenSouthern Michigan Bank & Trust |
| 136 N Nottawa StMendon, MI | OpenSouthern Michigan Bank & Trust |
| 235 E Main StCentreville, MI | OpenSouthern Michigan Bank & Trust |
| 901 East State StreetCassopolis, MI | No longer reported |
| 88 North Main StreetThree Rivers, MI | No longer reported |
| 1200 North Main StreetThree Rivers, MI | No longer reported |
| 111 Moore StreetThree Rivers, MI | No longer reported |
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 5048 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.