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The Depression window tested on the national-bank fate table, the FDIC list, and the Federal Reserve's closed-bank lists
The governing fact of this row is stated first: no bank stood on Granger ground in 1929–1934 — no bank stood there at all until the corridor era — so there is no Granger failure, liquidation, or paid-in-full case of the window to name.
The tests are shown, with their limits. The FDIC Failed Bank List was searched for Granger and for the county: the list reaches only failures since October 1, 2000, and no Granger, Indiana entry appears on it (the Indiana failures in the extracts are elsewhere — Integra Bank National Association, Evansville, July 29, 2011, acquired by Old National Bank; SCB Bank, Shelbyville, February 10, 2012; Irwin Union Bank and Trust, Columbus, September 18, 2009; Kentland Federal Savings and Loan, Kentland, July 10, 2026). The FDIC list therefore cannot settle 1929–34, and that limit is printed rather than elided. The 1929–34 test was run instead on the OCC/SPMC national-bank fate table and on the Federal Reserve's contemporary closed-bank reporting (FRASER, the Board's weekly "Banks Reported Closed" mimeograph lists, 1930–1931). The FRASER extracts searched (weeks ended March 14, 1930; January 16, 1931; January 23, 1931; March 6, 1931) list Indiana closures in Carmel, Kendallville, Avilla, Westfield, Thorntown, Clayton, and elsewhere — none in Granger, South Bend, or Mishawaka in those extracts.
The county's 1929–34 dispositions, from the fate table (SPMC Bank Note History Project, Indiana national banks, October 24, 2022), are four, and they are the whole record. Citizens National Bank of South Bend, Charter No. 4764: 1892–1934, Receivership — the window's one true failure in the county line, a bank that issued small-size notes "before failing in 1934" (Heritage/NNP). It is the closest thing in the record to the row's "one insured-era failure," and the qualification is printed with it: FDIC insurance operations began January 1, 1934, and whether the Citizens National's deposits were insured at its 1934 failure was not established in the sources reached. First National Bank of South Bend, Charter No. 126: 1863–1932, Liquidated — a voluntary liquidation, not a failure: the bank's business passed into the First Bank and Trust Company merger of the early 1930s, and the line survived (art-75-4). Merchants National Bank, Charter No. 6334: open past 1935 — survived the window. First National Bank of Mishawaka, Charter No. 5167, and First National Bank of New Carlisle, Charter No. 5639: open past 1935 — survived. The South Bend National Bank, Charter No. 1739, is absent from the small-size fate table; its disposition in the window was not established, and it is printed as unestablished, not as a failure.
The paid-in-full and solvent-ending cases complete the record as the row directs. Inside the window, the solvent ending is the First National's 1932 liquidation. The county's textbook paid-in-full case stands just outside it: the People's Savings Bank of South Bend, which voluntarily closed about 1885 having "paid its depositors in full" (Howard; art-75-5). No other 1929–34 paid-in-full case for a county bank was found. The survival context is the successor bank's own: 1st Source's institutional record states that during the Depression years a large number of South Bend's banks failed, while First Bank and Trust "not only survived but was the first to be allowed to reopen after President Franklin Roosevelt announced his national bank holiday" (2013 annual report account; the extract's bank-count figure is damaged in the source and no precise count is printed here). The 1933 bank holiday itself — closure by proclamation and licensed reopening — is the course of that spring, not a failure, and it is recorded as course.