I'm sure zyr meant that in a theoretical sense, since you own the town, you should own the bank as well.
But a town and bank are as separate as a gold mine and a forge.
If clem was an active player, it would purely be up to him if he wanted to sell it or not.
That i did zaroba but since its the games default bank,by rights clem should have lost it after he died, and as the bank would not demo i assume.And after cmb bought the town clem should have no claims on the bank.
Personally I think there needs to be some benefit to owning a town besides just providing more building space. They've always just been places to spend money with no return possible unless programmed to give their owners money.