Bank Branches › Closed and merged banks › Minnesota › Community First National Bank
What happened to Community First National Bank?
Community First National Bank in Little Falls, MN (earlier called The American National Bank in Little Falls and 2 other names) merged into Community First National Bank of Fergus Falls, MN on Jan 1, 1997. After 3 more changes 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.
- 1883The American National Bank in Little Falls opens in Little Falls, MN
- Apr 10, 1979renamed First Bank (N.A.) - Little Falls
- Oct 1, 1987renamed American National Bank of Little Falls
- Jan 1, 1995renamed Community First National Bank
- Jan 1, 1997MERGEDCommunity First National Bank merged into Community First National Bank of Fergus Falls, MN.FDIC certificate 5184 ends; its business continues under certificate 5148.
- Aug 29, 2000MERGEDCommunity First National Bank of Fergus Falls, MN merged into Community First National Bank of Fargo, ND.FDIC certificate 5148 ends; its business continues under certificate 3924.
- Dec 3, 2004MERGEDCommunity First National Bank of Fargo, ND 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
8 offices filed under this charter in some year from 1994 on. 4 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 214 Atlantic AveMorris, MN | OpenBMO Bank National Association |
| 65 E BroadwayLittle Falls, MN | OpenBMO Bank National Association |
| 1302 Atlantic AveBenson, MN | OpenBMO Bank National Association |
| 201 W James StPaynesville, MN | OpenBMO Bank National Association |
| 1024 BroadwayWheaton, MN | No longer reported |
| 450 First Avenue NorthGreenwald, MN | No longer reported |
| Main StreetNew Munich, MN | No longer reported |
| 600 Atlantic AvenueMorris, MN | No longer reported |
Banks folded into Community First National Bank
3 banks merged directly into this charter; counting the banks those had absorbed earlier, 6 charters end up inside it.
| Bank | Ended |
|---|---|
| Community First National BankMorris, MN | Jan 3, 1995 |
| Community First State Bank of PaynesvillePaynesville, MN | Jan 3, 1995 |
| Community First National Bank of WheatonWheaton, MN | Jan 1, 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 5184 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.