Bank Branches › Closed and merged banks › Pennsylvania › The First National Bank of Bradford County
What happened to The First National Bank of Bradford County?
The First National Bank of Bradford County in Towanda, PA (earlier called The First National Bank of Towanda, Towanda, Pennsylvania) merged into Northern Central Bank of Williamsport, PA on Dec 29, 1995. After 2 more changes of hands, what was The First National Bank of Bradford County 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.
- 1863The First National Bank of Towanda, Towanda, Pennsylvania opens in Towanda, PA
- Dec 15, 1971renamed The First National Bank of Bradford County
- Dec 29, 1995MERGEDThe First National Bank of Bradford County merged into Northern Central Bank of Williamsport, PA.FDIC certificate 7782 ends; its business continues under certificate 13754.
- Dec 31, 1998MERGEDNorthern Central Bank of Williamsport, PA merged into Keystone Financial Bank, National Association of Harrisburg, PA.FDIC certificate 13754 ends; its business continues under certificate 7712.
- Oct 7, 2000MERGEDKeystone 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 The First National Bank of Bradford County
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows The First National Bank of Bradford County 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 The First National Bank of Bradford County. 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 The First National Bank of Bradford County 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
10 offices filed under this charter in some year from 1994 on. 2 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 40 Colonial DrTowanda, PA | OpenManufacturers and Traders Trust Company |
| 230 Desmond StSayre, PA | OpenManufacturers and Traders Trust Company |
| 111 Main StreetUlster, PA | No longer reported |
| 1482 Golden Mile RoadWysox, PA | No longer reported |
| 75 Front StreetNew Albany, PA | No longer reported |
| Berwick TurnpikeGillett, PA | No longer reported |
| 103 Taylor AvenueWyalusing, PA | No longer reported |
| 422 Elmira StreetSayre, PA | No longer reported |
| 312 Main StreetTowanda, PA | No longer reported |
| 100 Henry StreetSouth Waverly, PA | 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 7782 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.