I guess, I am confused by your terminology - if you have one charter, then there is one bank - despite the name retention - which is often done for branding purposes. You would have two banks, if the "one" entity is a holding company and the banks are two entities under the holding company umbrella. If it is the latter, then you have two banks, so no CTR. If it is the former, which it sounds like it is, if you have the same system in place, then your exemptions should flow between the two institutions, and your CTR reporting should do so as well. We have a couple of banks in our area that are, in merger situations, retaining their names even though systems, etc., are mergered. There are becoming "XYZ Savings" a division of "ABC Savings". If the name is for branding only - then you are a merged insitution and need to treat all accounts as belonging to that one chartered entity.
_________________________
The paradox of planning is nothing happens....