Bank Branches › Closed and merged banks › New York › First National Bank of Cortland
What happened to First National Bank of Cortland?
First National Bank of Cortland in Cortland, NY merged into The Oneida Valley National Bank of Oneida of Syracuse, NY on Apr 16, 1999. After 1 more change of hands, what was First National Bank of Cortland is today part of NBT Bank, National Association (Norwich, 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.
- 1869First National Bank of Cortland opens in Cortland, NY
- Apr 16, 1999MERGEDFirst National Bank of Cortland merged into The Oneida Valley National Bank of Oneida of Syracuse, NY.FDIC certificate 7017 ends; its business continues under certificate 7237.
- Mar 9, 2013MERGEDThe Oneida Valley National Bank of Oneida (by then renamed Alliance Bank, National Association) of Syracuse, NY merged into NBT Bank, National Association of Norwich, NY.FDIC certificate 7237 ends; its business continues under certificate 7230.
- TodayOPEN
NBT Bank, National AssociationMain office Norwich, NY · FDIC certificate 7230 · 175 offices in 7 states on June 30, 2026Every NBT Bank, National Association office → Website on file with the FDIC: www.nbtbank.com
If you still have something from First National Bank of Cortland
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First National Bank of Cortland as lienholder, start with NBT 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 NBT Bank, National Association to search for the account under the name First National Bank of Cortland. 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 NBT Bank, National Association which branch now holds boxes from the First National Bank of Cortland 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. 5 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 65 Main StCortland, NY | OpenNBT Bank, National Association |
| 5789 Route 80Tully, NY | OpenNBT Bank, National Association |
| 1125 State Route 222Cortland, NY | OpenNBT Bank, National Association |
| 14-18 East Main StreetMarathon, NY | OpenNBT Bank, National Association |
| 2743 Route 26Cincinnatus, NY | OpenNBT Bank, National Association |
| 819 Bernie Road (Route 13)Cortland, NY | No longer reported |
| 30 Main StreetMcgraw, NY | No longer reported |
| 2950 New York State Route 11Whitney Point, NY | 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 7017 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.