Bank Branches › Closed and merged banks › Georgia › First State Bank & Trust Company
What happened to First State Bank & Trust Company?
First State Bank & Trust Company in Albany, GA merged into Regions Bank of Birmingham, AL on Apr 24, 1998. Regions Bank is open today.
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.
- 1905First State Bank & Trust Company opens in Albany, GA
- Apr 24, 1998MERGEDFirst State Bank & Trust Company merged into Regions Bank of Birmingham, AL.FDIC certificate 15948 ends; its business continues under certificate 12368.
- TodayOPEN
Regions BankMain office Birmingham, AL · FDIC certificate 12368 · 1,245 offices in 16 states on June 30, 2026Every Regions Bank office → Website on file with the FDIC: www.regions.com
If you still have something from First State Bank & Trust Company
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First State Bank & Trust Company as lienholder, start with Regions Bank. 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 Regions Bank to search for the account under the name First State Bank & Trust Company. 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 Regions Bank which branch now holds boxes from the First State Bank & Trust Company 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
13 offices filed under this charter in some year from 1994 on. 6 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 2813 Old Dawson RoadAlbany, GA | OpenRegions Bank |
| 2415 Sylvester HwyAlbany, GA | OpenRegions Bank |
| 136 Martin Luther King Jr. StreetCuthbert, GA | OpenRegions Bank |
| 103 N West StBainbridge, GA | OpenRegions Bank |
| 2322 N Slappey BlvdAlbany, GA | OpenRegions Bank |
| 211 Washington St SFort Gaines, GA | OpenRegions Bank |
| 333 W. Broad AvenueAlbany, GA | No longer reported |
| 1720 South Slappey BoulevardAlbany, GA | No longer reported |
| 1520-1522 Third AvenueAlbany, GA | No longer reported |
| 302 Walnut StreetLeesburg, GA | No longer reported |
| 1200 East Shotwell StreetBainbridge, GA | No longer reported |
| Broughton and Crawford StreetsBainbridge, GA | No longer reported |
| 2017 North Slappey BoulevardAlbany, GA | No longer reported |
Banks folded into First State Bank & Trust Company
5 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Randolph County Federal Savings and Loan AssociationCuthbert, GA | Oct 22, 1991 |
| Citizens BankCuthbert, GA | Dec 31, 1986 |
| First State Bank & Trust Company in LeesburgLeesburg, GA | May 30, 1986 |
| Fort Gaines Banking CompanyFort Gaines, GA | Feb 12, 1985 |
| The Citizens Bank and Trust CompanyBainbridge, GA | Dec 31, 1984 |
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 15948 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.