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1863–1936 · OCC charters of the South Bend line and the county neighbours; the seated row's parents tested
Charter numbers are the test of this section, and they are printed for every national bank in the line. The numbers are verified from the national-bank-note record (the Society of Paper Money Collectors' Bank Note History Project, Indiana lists), the note-issuing record, the city directories, and, for the one surviving national-charter parent of the present row, the OCC's own evaluations.
Charter No. 126 — First National Bank of South Bend, Indiana (1863–1932, liquidated). Organised September 5, 1863 by Charles N. Culver, Thomas S. Stanfield, John A. Henricks, Ethan S. Reynolds, John Reynolds, and Ransom Hubbard, with capital stock of $100,000; opened for business November 30, 1863 in the old St. Joseph block at Washington and Main streets. First president Thomas S. Stanfield; first cashier John T. Lindsey — the Bank of the State of Indiana's teller, carried across the second succession in person (art-75-2); directors Stanfield, John Reynolds, Ethan S. Reynolds, Henricks, and Hubbard (Howard, 1907). The 1921 Polk South Bend directory states the charter fact in its own words: "Established in 1863, being the 126th National Bank incorporated in the United States. Capital stock, $600,000. Surplus and profits, $190,000." The SPMC record closes the line: "126 First National Bank South Bend IN Saint Joseph 1863 1932 Liquidated." The bank is the ancestor of the present row's senior member: 1st Source Bank's own history runs from the 1863 First National Bank of South Bend, through the early-1930s merger with First National and Union Trust that formed the First Bank and Trust Company, to the 1981 renaming as 1st Source Bank, headquartered in South Bend. One conflict in that lineage is printed whole: 1st Source's 2002 Form 10-K states, "The Bank, which was chartered as an Indiana state bank in 1922, is a member of the Federal Reserve System" — against the 1863 national-charter origin. Both stand: No. 126 is the lineage's origin; the 1922 Indiana state charter is the present bank's own chartering event, after the national charter was liquidated in 1932 and the bank reorganised under state charter as First Bank and Trust. Neither is silently picked.
Charter No. 1739 — South Bend National Bank, Indiana (organised 1870). Organised 1870 by John Brownfield — president of the Bank of the State of Indiana in its last years — with William Miller, Lucius Hubbard, Schuyler Colfax, William Mack, Powers Green, Darwin H. Baker, Benjamin F. Price, and Caleb A. Kimball. Brownfield was first president, succeeded in 1888 by William Miller, who held the presidency until his death on February 21, 1901, and then by Marvin Campbell. The bank stood long in the Price Theatre building on Michigan Street adjoining the old State Bank building, then on Michigan Street near Washington (Howard, 1907). Its note issues carry the charter in the numismatic record ("Charter 1739 – South Bend National Bank, Indiana," issues of 1870 in $1, $2, $5, and $10). Its fate after 1907 was not established in the sources reached: it does not appear in the SPMC small-size note list of 1929–1935, consistent with a closing before the small-size era, and no closing date is asserted here.
Charter No. 4764 — Citizens National Bank of South Bend, Indiana (1892–1934, receivership). The note record carries "Charter 4764 – Citizens National Bank of South Bend, Indiana" from its 1892 $5 issues; the SPMC fate line closes it: "4764 Citizens National Bank South Bend IN Saint Joseph 1892 1934 Receivership" — the county's one national-bank failure in the Depression window (art-75-6). The auction record (Heritage, via the Newman Numismatic Portal) adds that the bank "issued only Type One 50s and 100s in small size before failing in 1934."
Charter No. 6334 — Merchants National Bank of South Bend, Indiana (1902– , open past 1935). SPMC: "6334 Merchants National Bank South Bend IN Saint Joseph 1902 1936 (Open past 1935)." The Newman Numismatic Portal's note record gives the charter its identifying colour: the Merchants National was "one of the last banks robbed by John Dillinger" — a crime-leg fact, noted here only as the charter's identifier and not developed.
The county neighbours complete the charter roll from the same table: Charter No. 5167 — First National Bank, Mishawaka, Indiana (1899– , open past 1935), and Charter No. 5639 — First National Bank, New Carlisle, Indiana (1900– , open past 1935).
The seated row's parents, tested for charter numbers. Of the seven institutions seated on Granger ground as of November 2026, exactly one is a national (federal) charter bank: Old National Bank, Charter Number 8846 — printed in the OCC's own CRA Performance Evaluation of November 3, 2025 ("Old National Bank — Charter Number: 8846 — 1 Main Street, Evansville, IN 47708") and in OCC CRA Decisions #194 (October 12, 2018) and #159 (July 14, 2014). Old National's FDIC certificate is 3832 (an older extract's "2492" figure is not printed, being superseded by the institution profile's 3832); the bank dates itself to 1834, Evansville, with over $74 billion in assets and more than 340 branches as of 2026. The remaining seated institutions have no OCC charter number, and that is a test result, not a gap. 1st Source Bank is an Indiana state-chartered bank (the 1922 state charter above; FDIC-insured, a Federal Reserve member; the Indiana Department of Financial Institutions lists it as a "State Commercial Bank," headquarters 100 N. Michigan St, South Bend). Lake City Bank is an Indiana state-chartered bank, founded May 14, 1872 in Warsaw with $60,000 in assets and three employees, continuously operated under the same name since, the third-oldest Indiana state-chartered bank; FDIC Certificate 13102 (one secondary extract's header figure of 8287 conflicts with the institution profile's 13102 and is not adopted); Indiana DFI licence 6156, issued February 1, 1996, status activated; headquarters 202 E. Center St, Warsaw; some $6.6 billion in assets and 52 branches at its 150th anniversary in 2022. The four credit unions are federally insured but not OCC-chartered banks at all (art-75-8). No national bank was ever chartered in Granger itself: the charter roll above is South Bend's and the county's, and Granger's ground enters it only as the corridor where Charter No. 8846's bank now keeps a branch.