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Banks — Lakeville
The digging found a richer and stranger record than the pointer promised: not one bank but two, separated by a twenty-six-year silence; the first of them carrying three different names in three different carriers under a single state charter; a suspension and reopening in the same January week that North Liberty's bank closed for good; a court case that followed the township's own money into the liquidation; and a second bank that was never really the town's at all, but a South Bend holding company's branch in waiting. The course prints whole, name-forms and all.
The 1917 Bank — One Charter, Three Names, and the Week It Closed With North Liberty's
1917–1935 · Indiana Dept. of Banking Year Books via FRASER; Rand McNally Bankers Directory, Jan 1925; Polk 1916–17; Federal Reserve…
The charter record is the Story of Lakeville section: Indiana Department of Banking record No. 516 , organized 31 December 1917 , in a town the schedules of its last years count at 333 people. Under that one record number the…
The Bankless Years — 1930 to 1956, and the Whole Count of the Town's Banks
1930–1956 · the charter and FDIC records; Howard (1907) for the building-and-loan layer
Between the liquidation and the next charter, Lakeville had no bank for twenty-six years — 21 February 1930 to 2 April 1956, the middle of the town's three bankless intervals (settlement to 1917 before it; 2011/12 to the present…
Central State Bank of Lakeville — the Holding Company's Bank, 1956–1982
1956–1982 · FDIC BankFind, Certificate 17571 (institution history read whole); successor records to Cert 17534
The second bank was a different creature: Central State Bank of Lakeville, Indiana — FDIC Certificate 17571 — established 2 April 1956 at 222 S. Michigan St , charter class NM, and an affiliate of St. Joseph Bank & Trust's…
The Branch Years — 1982 to 2011, Under Five Names
1982–2011 · FDIC institution history (Certs. 15656, 4336, 21735, 17534); FDIC Summary of Deposits, Lakeville branch series
For twenty-nine years the office at 222 S. Michigan St was Lakeville's bank in the only form the era offered: somebody else's branch. The name over the door followed the successor chain link by link — St. Joseph Bank and Trust…
The Branch's End, and the Present State — No Bank Stands in Lakeville
2011–2026 · FDIC Summary of Deposits series; FDIC locations index, November 2026; a 2012 directory line
The branch closed between 30 June 2011 and 30 June 2012 — the window the evidence fixes, printed as a window because no carrier reached gives the day: the SOD series ends with the June 2011 survey, yet a 2012 business directory…
A Bank Question Closed
FDIC BankFind searches, November 2026
LK-1 filed the bank question as G-SP-11 with FDIC BankFind as its standing settler. The settler has now been read, and the gap closes in the form this build calls a documented negative : BankFind carries no "Farmers State Bank"…
The banked banks file carries the institution's course whole — charter, suspensions, liquidation, the township's recovered deposits. What it never carried is the failure at household size, the closures read as one story, and the recession that arrived three generations later. This addendum digs all three, the first from the federal suspension schedules read first-hand.
The failure at household size: the suspension schedules of 1927 and 1930
1927–1930 · Federal Reserve bank-suspension schedules (RG 82), read first-hand; Eastburn v. Board of Finance of Union Township, 100…
The schedules do not name a single Lakeville depositor — but they price the failure the households lived, twice, and their figures are the nearest the record comes to the kitchen table. The Federal Reserve's suspension schedules…
The unwinding, 1973–2011: the closure wave as one series
1973–2011 · assembly synthesis of the banked trains, banks and schools files, at their own strengths
Read separately, they are a railroad item, a school item and a bank item; read together, they are one event with four dates — the forty years in which Lakeville lost, one by one, the institutions that had made it a place on other…
2008–09 in Lakeville: the recession the record barely names
2008–2010 · the anchor firm's ownership record; the future parent's published half-year figures; the town record as reached
The Great Recession's Lakeville face is, first, a correction: the town's anchor firm was not yet Continental's, and the parent company's terrible 2009 must not be backdated onto this town. Hoosier Racing Tire, the town's anchor…
The banked banks file opens in 1917, and its robbery tests print a zero. What neither file ever ran is the century before the charter — the two state-bank systems and the free-banking years tested against this ground — and the robbery leg's own closing apparatus. This addendum runs both, from the located record first and then each row's named settler.
The State Bank of Indiana on this ground: the branch test returns South Bend, not Lakeville
The first bank's documented absence can now be printed at list strength: the State Bank of Indiana never kept a branch on this ground. The system itself is settled: chartered 28 January 1834, a state bank with ten branches at…
The successor line: the Bank of the State of Indiana, traced and tested the same way
CXI); state banking histories; Auditor of State frame
The second state system kept the first one's map — and this ground was not on it. When the 1834 charter ran out, the successor — "the Bank of the State of Indiana," chartered by the act of 1855 — was directed to divide the state…
The free-banking years, 1852–1865: no free bank, no private banker, named or found
Indiana's free banks were note-issuing houses organised by the hundred under the 1852 act — and not one of them was seated here. The system the row tests is definite: under the Free Banking Act (in effect 1 July 1852), any…
Building-and-loans and credit unions: the two remaining layers, tested together
Two layers of small savers' institutions were never seated here — one at reached strength, one now carried a step further. The building-and-loan limb stands where the banked file left it, restated whole: no building-and-loan…