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What happened to NBC Bank-Houston, National Association?
NBC Bank-Houston, National Association in Houston, TX (earlier called Guaranty National Bank and 2 other names) failed, and NCNB Texas National Bank of Dallas, TX took it over on Jun 1, 1990. After 2 more changes of hands, what was NBC Bank-Houston, National Association is today part of Bank of America, National Association (Charlotte, NC).
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.
- 1970Guaranty National Bank opens in Houston, TX
- Jan 1, 1980renamed National Bank of Commerce of Houston
- Mar 5, 1986renamed NBC Bank - Southwest, National Association
- Jun 30, 1987renamed NBC Bank-Houston, National Association
- Jun 1, 1990FAILEDNBC Bank-Houston, National Association failed, and NCNB Texas National Bank of Dallas, TX took it over.FDIC certificate 20276 ends; its business continues under certificate 27306.
- May 6, 1998MERGEDNCNB Texas National Bank (by then renamed NationsBank of Texas, National Association) of Dallas, TX merged into NationsBank, National Association of Charlotte, NC.FDIC certificate 27306 ends; its business continues under certificate 15802.
- Jul 23, 1999MERGEDNationsBank, National Association (by then renamed Bank of America, National Association) of Charlotte, NC merged into Bank of America National Trust and Savings Association of Charlotte, NC.FDIC certificate 15802 ends; its business continues under certificate 3510.
- TodayOPEN
Bank of America, National AssociationMain office Charlotte, NC · FDIC certificate 3510 · 3,598 offices in 39 states on June 30, 2026Every Bank of America, National Association office → Website on file with the FDIC: www.bankofamerica.com
If you still have something from NBC Bank-Houston, National Association
A lien that was never released
NBC Bank-Houston, National Association failed on Jun 1, 1990. For a failed bank placed in FDIC receivership, the FDIC may be able to issue the lien release, if the loan was paid off to the bank before it failed or to the FDIC afterward. The FDIC says that where a failed bank had an acquirer, its records in most cases went to that acquirer. Here the chain from the acquirer leads to Bank of America, National Association, which is worth asking too.
Requests go through the FDIC Information and Support Center with the recorded mortgage or title, and proof of payoff. The FDIC says to allow 30 business days once it has every document, and does not take requests by phone or email. Questions: FDIC Resolution Inquiries, 888-206-4662, 8am–4pm Central on weekdays.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, NCNB Texas National Bank). Start with Bank of America, National Association, and ask them to search under the name NBC Bank-Houston, National Association.
This failure is older than the current federal rule on unclaimed deposits (mid-1993), so different rules apply. Search FDIC unclaimed funds search, search the unclaimed-property program of the state of the owner's last known address on the bank's records, and ask FDIC Resolution Inquiries at 888-206-4662 what applies to this institution.
A safe deposit box
The FDIC says that when a healthy bank assumes a failed bank's deposits, the branches usually reopen the next business day with box access. Today, ask Bank of America, National Association. A box abandoned for years may have been 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.
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 ▾
Banks folded into NBC Bank-Houston, National Association
3 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| NBC Bank - HeightsHouston, TX | Jun 30, 1987 |
| NBC Bank - MeyerlandHouston, TX | Jun 30, 1987 |
| NBC Bank - Spring BranchHouston, TX | Jun 30, 1987 |
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 20276 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.