Bank Branches › Closed and merged banks › Georgia › First Nation Bank
What happened to First Nation Bank?
First Nation Bank in Covington, GA (earlier called First National Bank of Newton County and 1 other name) merged into Bank of North Georgia of Alpharetta, GA on Sep 8, 2007. After 2 more changes of hands, what was First Nation Bank is today part of Pinnacle Bank (Nashville, TN).
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.
- 1963First National Bank of Newton County opens in Covington, GA
- May 1, 1995renamed First Newton Bank
- Jul 1, 2000renamed First Nation Bank
- Sep 8, 2007MERGEDFirst Nation Bank merged into Bank of North Georgia of Alpharetta, GA.FDIC certificate 18869 ends; its business continues under certificate 31203.
- Jun 1, 2010MERGEDBank of North Georgia of Alpharetta, GA merged into Synovus Bank of Columbus, GA.FDIC certificate 31203 ends; its business continues under certificate 873.
- Jan 2, 2026MERGEDSynovus Bank of Columbus, GA merged into Pinnacle Bank of Nashville, TN.FDIC certificate 873 ends; its business continues under certificate 35583.
- TodayOPEN
Pinnacle BankMain office Nashville, TN · FDIC certificate 35583 · 389 offices in 9 states on June 30, 2026Every Pinnacle Bank office → Website on file with the FDIC: www.pnfp.com
If you still have something from First Nation Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First Nation Bank as lienholder, start with Pinnacle 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 Pinnacle Bank to search for the account under the name First Nation Bank. 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 Pinnacle Bank which branch now holds boxes from the First Nation Bank 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
14 offices filed under this charter in some year from 1994 on. 3 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 3106 Highway 278 NwCovington, GA | OpenPinnacle Bank |
| 1981 Georgia Highway 138 SWConyers, GA | OpenPinnacle Bank |
| 285 Jonesboro RdMcdonough, GA | OpenPinnacle Bank |
| 433 Sigman RoadConyers, GA | No longer reported |
| 3207 Salem RoadCovington, GA | No longer reported |
| 4182 Highway 278, N.E.Covington, GA | No longer reported |
| 13015 Brown Bridge RoadCovington, GA | No longer reported |
| 1767 Rock Quarry RoadStockbridge, GA | No longer reported |
| 1143 West AvenueConyers, GA | No longer reported |
| 5340 Hwy.20 SouthCovington, GA | No longer reported |
| 101 Willow LaneMcdonough, GA | No longer reported |
| 1436 Dogwood DriveConyers, GA | No longer reported |
| 2131 Washington StreetCovington, GA | No longer reported |
| 3146 Highway 11Mansfield, GA | No longer reported |
Banks folded into First Nation Bank
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| The Citizens Bank of Newton CountyMansfield, GA | Nov 6, 1991 |
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 18869 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.