The bank roster of 1921, whole — six houses, two of them new to the record

1921, as the directory canvass gives the year

How they were missed: second rank under a flagship. The classified heading it never worked, Banks and Bankers in Polk's Mishawaka City Directory of 1921, gives the year's whole roster at once, with addresses: the Farmers & Merchants State Bank, 114–116 Lincoln Way E.; the First National Bank, 101 Lincoln Way W.; the First Trust & Savings Bank, 101 Lincoln Way W.; the Mishawaka Trust & Savings Co. Bank, 102 Lincoln Way W.; the North Side Trust & Savings Bank, 602 N. Main; and the West End State Bank, 502 W. 7th. Six houses. Two of them — the Farmers & Merchants State Bank and the North Side Trust & Savings Bank — appear nowhere else in this build; the sweep's searches of the banked files return them at zero. They stand here at directory size, their courses unsettled: the record classes that would settle them are the Indiana Department of Financial Institutions' incorporation and annual records and the bank headings of the directories that followed 1921, and they are carried in the closing article.

What the roster does to the open question:Joseph Loan & Trust Co. — unmerged, at their carriers' strengths, because the record reached did not prove them one institution. The 1921 heading contributes the year's evidence: in 1921 the trust layer stands as three separate listings at three separate addresses — the First Trust & Savings at the First National's own address, 101 Lincoln Way W.; the Mishawaka Trust & Savings across the street at 102; and the North Side Trust & Savings Bank up Main at 602 — while the Mishawaka-St. Joseph Loan & Trust name does not appear under the heading at all.

Sources:

1. Polk's Mishawaka City Directory (1921), classified directory, heading Banks and Bankers — the six houses and addresses as printed above.
2. Businesses & banks file of this build — the First National and West End courses, the three savings and trust names at their carriers' strengths, and the 1932 assumption record, to which this roster is the dated complement.