Bank Branches › Closed and merged banks › Missouri › First State Bank of Higginsville/Odessa
What happened to First State Bank of Higginsville/Odessa?
First State Bank of Higginsville/Odessa in Higginsville, MO (earlier called Higginsville State Bank) merged into First Central Bank of Warrensburg, MO on Nov 20, 1998. After 1 more change of hands, what was First State Bank of Higginsville/Odessa is today part of The Central Trust Bank (Jefferson City, MO).
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.
- 1979Higginsville State Bank opens in Higginsville, MO
- Nov 1, 1991renamed First State Bank of Higginsville/Odessa
- Nov 20, 1998MERGEDFirst State Bank of Higginsville/Odessa merged into First Central Bank of Warrensburg, MO.FDIC certificate 22842 ends; its business continues under certificate 25268.
- Oct 1, 2021MERGEDFirst Central Bank (by then renamed Central Bank of Warrensburg) of Warrensburg, MO merged into The Central Trust Bank of Jefferson City, MO.FDIC certificate 25268 ends; its business continues under certificate 12633.
- TodayOPEN
The Central Trust BankMain office Jefferson City, MO · FDIC certificate 12633 · 164 offices in 6 states on June 30, 2026Every The Central Trust Bank office → Website on file with the FDIC: www.centralbank.net
If you still have something from First State Bank of Higginsville/Odessa
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First State Bank of Higginsville/Odessa as lienholder, start with The Central Trust 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 The Central Trust Bank to search for the account under the name First State Bank of Higginsville/Odessa. 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 The Central Trust Bank which branch now holds boxes from the First State Bank of Higginsville/Odessa 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
2 offices filed under this charter in some year from 1994 on. 2 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 401 Fairground Ave, # 415Higginsville, MO | OpenThe Central Trust Bank |
| 416 N 2nd StOdessa, MO | OpenThe Central Trust Bank |
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 22842 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.