8488. Mineral Bank (Cumberland, MD)

Bank Information

Episode Type: Suspension → Closure
Bank Type: state
Start Date: October 4, 1857
Location: Cumberland, Maryland (39.653, -78.763)

Metadata

Model: gpt-5-mini
Short Digest: 212c0f56

Response Measures

None

Description

Contemporary dispatches (Oct 5-6, 1857) report the Mineral Bank at Cumberland suspended specie payments, 'assigned and closed its doors' and trustees were appointed. Later reporting (1858) describes a prosecution for embezzlement by the bank's president that caused the bank's ultimate failure. There is no explicit description of a depositor run in the articles provided; sequence is suspension/assignment (trustee/receivership) leading to permanent closure.

Events (3)

1. October 4, 1857 Receivership

Newspaper Excerpt: Between 12 o'clock and day light last Sunday night trustees were appointed on the 'Mineral Bank of Maryland' at Cumberland.
Source: newspapers

2. October 5, 1857 Suspension

Cause: Bank Specific Adverse Info
Cause Details: Bank suspended after earlier suspension of specie payments and then 'assigned'—reports attribute involvement with coal companies and large bad loans; later trial alleges embezzlement by the bank's president, causing ultimate failure.
Newspaper Excerpt: Considerable excitement was created here this morning by the announcement that the Mineral Bank had assigned and closed its doors. This institution suspended specie payment some days ago
Source: newspapers

3. May 3, 1858 Other

Newspaper Excerpt: The case of the State vs. Joseph H. Tucker, late President of the Mineral Bank in this town was called for trial ... charged with embezzling large sums of money from said bank previous to its late suspension.
Source: newspapers

Newspaper Articles (12)

1. October 1, 1857 The Daily Dispatch Richmond, VA

Article from The Daily Dispatch, October 1, 1857

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deeming its $5's in specie, and should have added not then knowing the them when presented redeeming (though only fact) that singly. it was and so evidently to obtain change for the parties holding them. The National Intelligencer, of yesterday, has the following: The brokers are doing a fine business in the discount they charge for exchanging city bank notes. A discount of five per cent. was charged and paid yesterday on the notes of the Bank of Metropolis. one of the soundest moneyed institutions in the country. SUSPENSION OF MARYLAND BANKS. Immediately on learning of the back susper. sions in Baltimore, on Saturday last, the Cumberland Bank of Alleghany and Mineral Bank of Ma ryland, both at Cumberland, Md., also determined upon a temporary suspension. The Civilian says: The President of the Cumberland Savings Bank is temporarily absent. therefore that institution is doing business in its usual way. The action is not based upon any weakness of the banks themselves. They are in the Very soundest condition, and perfectly solvent. It was done merely to protect themselves. as they "would be called upon to cash drafts from the larger cities. and various other sections, without the privilege of an adequate recipro cation." There is very little or no excitement in our city. The action of the banks is endorsed by the community. AFFAIRS IN BALTIMORE. The Bultimore American of yesterday, says: The money market continues in a very uusettled state, and there is really no established rate for money on the street. There is still a good deal of paper offering. but very few negotiations have been made for a day or two past. Borrowers are offering 1 to 11/2 per cent., but lenders are still demanding 2 per cent. per month for prime paper.The Banks, in pursual of the policy which prompted a suspension of specie payment, viz: the relief of the pressing necessities of the mercantile community, have since that time been discounting very freely. The aggregate amount of the paper discounted by them since Saturday, is nearly, if not quite. one million of dollars. This amount must have relieved our merchants from their pressing exigencies, and placed them all in a better position. and that it has done so is apparent, from the fact that there is much less paper pressing on the market. There are still sellers at 1 to 11/2 per cent.. but none seem willing to pay the extreme rates paid last week.Rates for exchange are very much unsettled. We have heard of some bills on New York being sold at 3. 4 and 5 per cent. prem. Specie is also selling at 3 a 5 per cent. premium. There is no settled rate of discount for country money. A dispatch denies the reported suspension of the Cumberland, N. J., Bank. The Banks at St. Louis are firm, and discounting liberally--though Bogy & Miltenberger, Anderson & Co., and Darby & Barksdale, private banking houses, have suspended. The Salem, N, J., Bank has not totally suapended. Additional news will be found in `our telegraph column.

2. October 6, 1857 Evening Star Washington, DC

Article from Evening Star, October 6, 1857

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made to the General Land Office, situate in township 37, south of range 4, west of the Williamette meridian; also of the exterior or township lines, in township 37, south range, 3, 4, 5 and 6 west; township 38, south range, 3 west, traversed by Applegate creek, the tributary of Rogue river, and along which passes the road from Jacksonville, Oregon, to Crescent city, California. The features of this region of the country appear to be very hilly, resulting in considerable hardships at the hands of the deputy surveyors in running, measuring and marking the lines of the public surveys. NAVAL COURTS OF INQUIRY.-Before Court No. 1, to-day, the case of Commander Jackson was concluded by the examination of Dr. Eg bert and Commodore Stringham, both of whom were called for the applicant. The case of exPassed Midshipman John Posey Hall (dropped) was then taken up, and Commodores Mayo and Stringham were examined on his behalf ere the Star went to press. Before Court No. 2 to-day the case of L'eut. Fitzgerald is still being tried. Lt. George A. Stevens, Lt. Mitchell, Commander -Gauzevort, and Dr. Tyler (of Georgetown, D. C.) have been examined on his behalf since the last issue of the Star. I Before Court No. 3 the case of Commander Platt was concluded to-day, by the examination of Captain Pope and Commodore Stringham in his behalf. The Court then adjourned. PUBLIC SURVEYS IN WASHINGTON TERRITORY.-The subdivisional survey of township 14, north of range 3, west of the Williamette meridian, in Washington Territory, has been returned to the General Land Office by the Surveyor General at Olympia, W. T. The quality of the lands appear, from the field notes of the survey to be adapted for agricultural purposes, abounding in fir and cedar, and the bottom lands along Chikalis river, which discharges itself in Gray Harbor, are of the first quality. PUBLIC SURVEYS IN NEBRASKA.-The returns of public surveys in Nebraska have been received at the General Land Office, showing the subdivisional lines of townships 2. 3 and 4, north of ranges 5 and 6, east of the 6th principal meridian, embracing 121,907 acres of land, through which Big Blue river courses, and which lands are situated immediately north of the Ottoes' reservation, and lie within the South Platte District. THE WASHINGTON GAS COMPANY'S STOCK.We hear; incidentally, that the current pressure at the North has induced some holders of this stock to send some of it here for sale, which is an extraordinary event; insomuch as it very rarely finds its way into the market. At$112 in Washington city bank notes, or $110 for specie-at which rates we hear it can be hadwe know just now of no better opportunity for a safe and profitable investment. MARINE CORPS APPOINTMENTS.-Capt D. J. Sutherland, the Assistant Quartermaster of the Marine Corps, has been appointed Quartermaster, vice Lindsay, deceased. Capt. Wm. A. T. Maddox, of the corps, has been appointed Assistant Quartermaster, to fill the vacancy caused by the promotion of Capt. Sutherland. THE GEORGIA ELECTION.-We have a private dispatch from Savannah to-day representing the vote in that city to have been-for Congress, Bartow, (K. N.,) 1,002; Seward, (Dem.,) 912. This indicates Seward's re-election .beyond question, we believe. Ward has been elected to the State Senate from the Savannah district. A MISPRINT.In yesterday's issue the types made us represent the total elevation to be overcome in the construction of a ship canal across the Isthmus of Darien, according to the report of examining civil engineers, as being " fifty feet," rather than five hundred feet" as we designed saying. REMOVED.-We heard on the avenue to-day, that Mr. S. D. Mills, of Maryland, a second class ($1,400 per annum) clerk in the Patent Office, has been removed. THE MINERAL BANK AT CUMBERLAND, Mn.A private despatch reached us yesterday afternoon, stating that this bank had assigned its effects to a trustee. The impression prevails here that its failure is a bad one. ATTORNEY GENERAL BLACK is now absent from Washington for a few days, having gone to his home in Pennsylvania with some of his children, to place them at school there. PERSONAL

3. October 6, 1857 Evening Star Washington, DC

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THE MINERAL BANK AT CUMBERLAND, Mn.A private despatch reached us yesterday afternoon, stating that this bank had assigned its effects to a trustee. The impression prevails here that its failure is a bad one.

4. October 6, 1857 The Daily Dispatch Richmond, VA

Article from The Daily Dispatch, October 6, 1857

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Money Matters. We have the best authority for saying that the notes falling due in the Banks, have been as punetually met thus far in this month, as during the same period in other years. There is certainly a greater scarcity of money, than for some years; but the merchants are using extra diligence in providing the means of meeting their obligations and preserving their credit. Yesterday was a much easter and quieter day than Saturday. The Banks were as placid as though there were no pressure.Looking on the streets we find no sign of that panic and rough sailing which elsewhere prevails. The Mineral Bank Failed. The telegraph announces the failure of the Mineral Bank of Maryland, located at Cumberland.It has been for some years a doubtful concern, and once, at least. discredited.

5. October 6, 1857 The Washington Union Washington, DC

Article from The Washington Union, October 6, 1857

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BY TELEGRAPH. Arrival of the City of Washington, NEW YORK, Oct. 6.-The City of Washington," from Liverpool on the 23d, arrived here about 9 o clock this morning. The important news by this steamer was anticipated by the Anglo-Saxon at Quebec yesterday, but her advices add some interesting details from India. The East India Company had declined the proffer of the European and American Steamship Company to transport troops overland to India. Lord Elgin brought to Calcutta 1,700 troops from China, who were to proceed up the Ganges forthwith. He proposes to take to China some of the native Indian regiments, as they would be more faithful than in India. Gen. Neill, at Cawnpore, was compelling the highcaste Brahmins to wash the blood from the floors of the European soldiers, accelerating their movements by the use of the eat, and then hanging them. A letter to the Paris Patrie says that Nena Sahib was marching upon Lucknow with 15,000 men, and was four days ahead of Gen. Havelock. The fort at Lucknow was deemed impregnable. A fight had taken place between Canut and Laugham for the championship of England; but, after an engagement of forty minutes, darkness came on, and the fight was withdrawn. The Financial Crisis. NEW YORK, Oct. 6.-Willetts & Co., hardware dealers, have suspended. PHILADELPHIA, Oct. There was much excitement here last evening among the holders of the Reading Railroad stock, in consequence of the discovery that an act of the legislature of 1850, extending the bonds, makes the stockholders, individually, liable for all the debts of the company thereafter contracted, with a proviso not to include the bonds which may be issued in place of bonds already existing. NEW ORLEANS, Oct. 5. - Voorhees, Griggs, & Co. have suspended, but it is believed the suspension is only temporary. The markets are checked by the difficulty in getting cash for exchanges. Exchange on New York, 1 a 11 discount. Sales of sterling exchange are very small. CUMBERLAND, (Md.,) Oct. 5. Considerable excitement was created here this morning by the announcement that the Mineral Bank had assigned and closed its doors. This institution suspended specie payment some days ago, and had in circulation quite a large amount of paper in western Maryland, parts of Virginia and Ohio, and other points West. It sustained a good reputation heretofore. The impression prevails that it has become involved with the coal companies. Pennsylvania Legislature. HARRISBURG, Oct. S.-The legislature met, and the governor's message states that suspension was an imperative necessity, and suggests a relief by removing the penalties, provided that a resumption be made as early as practicable. A joint resolution is being debated in the house requiring the banks to furnish information of their condition before legislation should be had. More Banks Suspended. NEW YORK, Oct. 6. -The bills of the Lee Bank, Massachusetts, Mercantile, Charter Oak, and Exchange banks, of Hartford, Connecticut, and the Bank of Watertown, New York, have been thrown out. HARTFORD, Oct. 6.-The Charter Oak, Mercantile, and Exchange banks have suspended specie payments. The other banks have resolved not to suspend.

6. October 6, 1857 Evening Star Washington, DC

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The Financial Crisis, &c. CUMBERLAND. Md., Oct. 5.-Considerable ex. citement was created here this morning by the announcement that the Mineral Bank had assigned and closed its doors. This institution suspended specie payment some days ago, and had in circulation quite a large amount of paper in Western Maryland, parts of Virginia and Ohio, and other points west. It sustained a good reputation heretofore. The impression prevails that it has become involved with the coal companies. BOSTON, Oct. 5 -Our money market. as far as the street is concerned, is unchanged. The banks have made liberal discounts, and the public contidence is grad ially becoming restored. The banks have paid their semi-annual dividends, which are about the average of former years. But few transactions took place to-day in stocks, railroads showing the least depression. Bank shares were pressed, but there were no buyers. There are rumors of heavy failures current on the street, but only two firms, with but small liabilities, are known to be suspended. The managers of the New England house of Wells, Fargo & Co. waived their right, to-day, to the usual grace on seconds of drafts received per steamer Star of the West; also the 60 days' notice on the duplicate receipts of the treasure lost by thesteamer Central America. The notes of the Weare Bank, New Hampshire. were thrown out to-day. PROVIDENCE, Oct. 5.-The Rhode Island Central Bank was temporarily enjoined on Saturday, on application of the Bank Commissioners Their assetsare believed to be considerably above their liabilities. CINCINNATI, Oct. 5 - Messrs. Dunlevy, Drake & Co., brokers, have suspended. Sr. LOUIS, Oct. 5.-Messrs. James H. Lucas & Co., bankers, of this city, have suspended. LOUISVILLE, Oct. 5-A publication on Friday, signed by Guthrie and other prominent citizens, was made, assuring the public, upon the deposition of Culver, that he was safe. Culver. however, assigned this morning. NEW ORLEANS, Oct. 3.-Exchanges are still unsettled. The heavy payments of our banks have been satisfactorily met The crisis here is past and the skies are brightening. Messrs. Kennet, Dix & Co., commission merchants, have failed.

7. October 9, 1857 Wilmington Journal Wilmington, NC

Article from Wilmington Journal, October 9, 1857

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The Financial Crisis. NEW York, Oct. 6.-Willetts & Co., hard ware dealers, have suspended. Philadelphia, Oct. 6.-There was much excitement here last evening among the holders of the Reading Railroad stock, in consequence of the discovery that an act of the legislature of 1850, extending the bonds, makes the stockholders, individually, liable for all the debts of the company thereafter contracted, with a provision not to include the bonds which may be issued in place of bonds already existing. NEW ORLEANS, Oct. 5.-Voorhees, Griggs & Co., have suspended, but it is believed the suspension is only temporary. The markets are checked by the difficulty in getting cash for exchanges. Exchanges on New York, 1 a 11/4 discount. Sales of sterling exchange are very small. CUMBERLAND, (MD.,) Oct. 5.-Considerable excitement was created here this morning by the announcement that the Mineral Bank had assigned and closed its doors. This institution suspended specie payment some days ago, and had in circulation quite a large amount of paper in western Maryland, Sparts of Virgina and 0hio, and other points West. It sustained a good reputation heretofore. The impression prevails that it has become involved with the coal companies.

8. October 9, 1857 Cooper's Clarksburg Register Clarksburg, WV

Article from Cooper's Clarksburg Register, October 9, 1857

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CLARKSBURG, FRIDAY, OCT. 9, 1857. The Bank Panic. Since our last, the crisis in monetary affairs has become more alarming to the people of this section. Between 12 o'clock and day light last Sunday night trustees were appointed on the "Mineral Bank of Maryland" at Cumberland. The excuse given for the failure is, that a large amount of the funds of the bank was loaned to miners who had failed and were unable to meet their obligations, which so crippled the bank as to render it necessary to make an assignment, but many shrewd men think that the "miners" was the bank itself. At all events, it is considered a "bad break," and the money is looked upon as nearly or quite worthless. On Tuesday last, the Merchants and Mechanics Bank of Wheeling, went by the board. It is said that this bank has been in the habit of furnishing money to eastern brokers to "shave" with, and that the failure of the brokers has brought down the bank. If the bank has pursued this course it deserved to break. In this vicinity there were more notes of the Merchants and Mechanics Bank in circulation, than of any other, and the Mineral Bank stood next. The failure of these two institutions in such quick succession has caused severe loss to our people, and created no little consternation among our business men. The Fairmont Bank, we understand, refused to meet demands made upon it from a distance, but meets its home demands. The bank at Weston, seems determined to weather the storm, and will probably succeed, unless the mother bank at Norfolk is compelled to close, when, as we understand it, it closes as a matter of course. The cashier, Mr. McCandlish, returned from the east (where he had been for the previous week,) on last Monday morning with a large and heavy carpet-sack which gave indication of a disposition to stand a seige, at all events. We look upon this institution as one of the safest in the country. What the final result of the present panic will be, no one can tell, but it is to be hoped that it will be soon over. In the mean time we would repeat our advice to keep cool, and not add to the excitement by any unnecessary alarm. The State stock bank notes cannot become ens tirely worthless, as the State Treasurer has stock for their redemption, and the other banks have been generally believed to be solvent. The quarterly reports from the different banks for the 1st of October will soon be given to the public, when some idea can be formed of the standing of the different banks of this State at least. We hear an extra session of the Legislature talked of, in imitation of the course pursued by Pennsylvania, but leave to those more acquainted with financial matters, to de cide whether anything can be gained by anticipating the regular time of its meeting, one month. LATER.-Since the above was in type we learn that the rumored failure of the Merchants and Mechanics Bank of Wheeling is not correct; but that the Merchants and Manufacturers Bank of that place had failed. The probability is that most of the banks in the country will go, though many of them will come up again.

9. May 4, 1858 Evening Star Washington, DC

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# Trial of Tucker. CUMBERLAND, Md., May 3. -The case of the State vs. Joseph H. Tucker, late President of the Mineral Bank in this town was called for trial before the Circuit Court of Allegany county this morning. Mr. Tucker, it will be remembered, is charged with embezzling large sums of money from said bank previous to its late suspension. The defalcation was not discovered until some time after the bank closed its doors. Both the prosecution and defence being ready when the case was called, a jury was immediately sworn and the trial proceeded without unnecessary delay. The State's Attorney, in his opening address to the jury, stated the facts he expected to prove, and claimed that they would secure a conviction. The counsel for the defense, however, allege their ability to show the entire innocence of fraud on the part of their client. The trial excites great interest, and will occupy the time of the court for several days.

10. May 5, 1858 The Washington Union Washington, DC

Article from The Washington Union, May 5, 1858

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# Trial of Tucker. CUMBERLAND, Md., May 3.—The case of the State vs. Joseph H. Tuckea, late president of the Mineral Bank in this town, was called for trial before the circuit court of Allegany county this morning. Mr. Tucker, it will be remembered, is charged with embezzling large sums of money from said bank previous to its late suspension. The defalcation was not discovered until some time after the bank had closed its doors. Both the prosecution and defence being ready when the case was called, a jury was immediately sworn, and the trial proceeded without unnecessary delay. The State's attorney, in his opening address to the jury, stated the facts he expected to prove, and claimed that they would secure a conviction. The counsel for the defence, however, allege their ability to show the entire innocence of fraud on the part of their client. The trial excites great interest, and will occupy the time of the court for several days.

11. May 7, 1858 The Daily Exchange Baltimore, MD

Article from The Daily Exchange, May 7, 1858

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DOMESTIC. # THE MINERAL BANK EMBEZZLEMENT. The trial of Joseph H. Tucker, charged with embezzling the funds of the Mineral Bank, commenced at Cumberland on Monday, and will probably last a week or ten days. He is charged, whilst acting as President of the Bank, to have embezzled funds to the amount of $73,000, and there is twenty-one counts to the indictment, charging the offence in various technical forms, running through a period of three years from 1854 to 1857, causing the ultimate failure of the bank. The punishment, if convicted, by the law under which he is being tried, is not less than five, or more than fifteen years confinement in the penitentiary. J. M. Schley, Esq., is Attorney for the State, prosecuting, and Josiah H. Gordon, Thomas Devecmon, Samuel M. Semmes and Wm. Price, Esqrs., counsel for the traverser. The Salem Gazette says that from Marblehead there will be about fifty vessels engaged in the fishing business the present year, half of which number have already sailed, and the remainder are making active preparations to follow in the track. The Newburyport Herald says the fishermen in that and other seaboard towns are active in fitting away for the season. The fisheries will be more largely engaged in than heretofore, owing to the dullness of other branches of business, in which there is very little prospect of any revival. Isaac Holcombe, of Fayette county, Georgia, has been arrested by the officers of the Pension Bureau, and in default of bail committed to jail to await his trial for the commission of frauds in obtaining revolutionary pensions. The Pension office has received official information of the conviction of James R. Buchanan, of Arkansas, who was arrested some months since by its order, for forgery and other frauds in obtaining bounty land warrants. We learn from our exchanges that the planters are actively engaged in replanting their cotton, with the hope of retreiving the damage caused by the late frosts, though it is feared that the supply of seed will prove insufficient to meet their wants. The frost did not reach Florida. That was the only State which escaped the visitation. Tuckerman, the U. S. mail robber, was yesterday morning brought before Judge Ingersoll, of the United States Circuit Court, at New Haven, for sentence, which was imprisonment at hard labor in the State Prison for twenty-one years. During the address of the Judge, Tuckerman shook convulsively. According to partial returns from the various police captains of New York city, no less than nine hundred and twenty-five places in that city were open on Sunday last, for the "sale of liquors, dry goods and cigars." The six wards from which no returns were received, would probably swell the number to near 1,500. The motion made by Mr. Colfax in the House of Representatives, to lay on the table the report from the Committee on Foreign Affairs, recommending the immediate abrogation of the Clayton and Bulwer treaty was not regarded as a test question, as both its friends and opponents want an opportunity for discussion. Between Saturday and Monday last, the store of Robert Dunlap, Jr., in Pittsburg, Pa., was broken open and robbed of a large amount of fine cutlery. Robert Elmore alias Smith, was arrested, and over $300 worth of the stolen goods found in his trunk, whereupon he confessed the deed and was committed. The Cincinnati (Ohio) Gazette says that on Wednesday last, John Ayder attacked a man, whose name is not given, at the depot in Wilmington, in that State, knocking him down and beating him so brutally that he died from the effects on Friday morning. Ayder escaped, and the citizens of Wilmington offer $500 for his arrest. We learn that Mr. William D. Coplan, son of ex-Senator Coplan, of Fayette county, was shot at an election fracas at Sioux city, Iowa, about the middle of last month, and died in a few days afterwards. He was single man, and almost twenty-two years of age. The whole value of the exports of domestic growth and manufactures from Puget's Sound District, Washington Territory, during the last year, was $543,547.73. The exports consisted of lumber, grain, pork, bacon, and butter, salmon, whale and fish oil, cattle and horses, coal, &c. The Project of a bridge across the East River from New York to Brooklyn is agitated. A petition is about to be presented to Congress asking for the necessary power to construct a low bridge on piers, with an appropriation. On Saturday, when the banks of Lynchburg, Virginia, resumed specie payments, one of them paid out $40,000, and others $15,000 or $20,000 each in coin, the demand for it coming from distant brokers. Miss Helen Cunningham, daughter of Mrs. Cunningham-Burdell, was married in Jersey City, on Sunday last, to a young dentist of that city. The ceremony was performed by the Rev. Mr. Van Cleef. The Methodist Protestant General Conference, composed of ministerial and lay delegates from thirty odd Annual Conferences, convened on Tuesday, at Lynchburg, Va. It is stated that the free negroes of Texas, are availing themselves of a recent law of that State, enabling them to choose masters and become slaves.

12. May 15, 1858 Shepherdstown Register Shepherdstown, WV

Article from Shepherdstown Register, May 15, 1858

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# THE MINERAL BANK EMBEZZLEMENT. We learn from the Cumberland Telegraph, that the trial of Joseph H. Tucker, charged with embezzling the funds of the Mineral Bank, commenced at Cumberland on Monday, and will probably last a week or ten days. He is charged, whilst acting as President of Bank, to have embezzled funds to the amount of $73,000, and there is twenty-one counts to the indictment, charging the offence in various technical forms, running through a period of three years from 1854 to 1857, causing the ultimate failure of the bank. The punishment, if convicted, by law under which he is being tried, is not less than five, or more than fifteen years confinement in the penitentiary. # COL. JOSEPH H. TUCKER. The Cumberland Civilian says: The trial excited considerable interest, as Col. Tucker occupies the position of one of our first citizens, and every resident of the city and county felt more or less interest in the trial, the result of which has met with general satisfaction. Everybody seems to manifest a pleasure in the honorable acquittal, and the people are fully satisfied that Col. Tucker is still an honest and upright man.