Bank Branches › Closed and merged banks › Texas › Citizens Bank and Trust Company of Baytown, Texas
What happened to Citizens Bank and Trust Company of Baytown, Texas?
Citizens Bank and Trust Company of Baytown, Texas in Baytown, TX (earlier called Citizens Bank and Trust Company) merged into Southwest Bank of Texas National Association of Houston, TX on Dec 29, 2000. After 1 more change of hands, what was Citizens Bank and Trust Company of Baytown, Texas is today part of Zions Bancorporation, N.A. (Salt Lake City, UT).
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1920Citizens Bank and Trust Company opens in Baytown, TX
- Jun 1, 1978renamed Citizens Bank and Trust Company of Baytown, Texas
- Dec 29, 2000MERGEDCitizens Bank and Trust Company of Baytown, Texas merged into Southwest Bank of Texas National Association of Houston, TX.FDIC certificate 12665 ends; its business continues under certificate 24107.
- Dec 31, 2015MERGEDSouthwest Bank of Texas National Association (by then renamed Amegy Bank National Association) of Houston, TX merged into Zions First National Bank of Salt Lake City, UT.FDIC certificate 24107 ends; its business continues under certificate 2270.
- TodayOPEN
Zions Bancorporation, N.A.Main office Salt Lake City, UT · FDIC certificate 2270 · 409 offices in 11 states on June 30, 2026Every Zions Bancorporation, N.A. office → Website on file with the FDIC: www.zionsbancorporation.com
If you still have something from Citizens Bank and Trust Company of Baytown, Texas
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Citizens Bank and Trust Company of Baytown, Texas as lienholder, start with Zions Bancorporation, N.A.. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask Zions Bancorporation, N.A. to search for the account under the name Citizens Bank and Trust Company of Baytown, Texas. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask Zions Bancorporation, N.A. which branch now holds boxes from the Citizens Bank and Trust Company of Baytown, Texas office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
5 offices filed under this charter in some year from 1994 on. 2 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 1300 Rollingbrook DrBaytown, TX | OpenZions Bancorporation, N.A. |
| 723 Rollingbrook DrBaytown, TX | OpenZions Bancorporation, N.A. |
| 1122 San Jacinto MallBaytown, TX | No longer reported |
| 310 West De Fee StBaytown, TX | No longer reported |
| 3530 Market StreetBaytown, TX | No longer reported |
Banks folded into Citizens Bank and Trust Company of Baytown, Texas
2 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Lone Star BankHarris County, TX | May 26, 1988 |
| First American Bank & Trust of BaytownBaytown, TX | Mar 10, 1988 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 12665 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.