Bank Branches › Closed and merged banks › Florida › Citizens First National Bank
What happened to Citizens First National Bank?
Citizens First National Bank in Crescent City, FL merged into Citrus Bank of Orlando, FL on Jul 1, 1999. After 2 more changes of hands, what was Citizens First National Bank is today part of TD Bank, National Association (Wilmington, DE).
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.
- 1983Citizens First National Bank opens in Crescent City, FL
- Jul 1, 1999MERGEDCitizens First National Bank merged into Citrus Bank of Orlando, FL.FDIC certificate 24541 ends; its business continues under certificate 27515.
- Jul 1, 2007MERGEDCitrus Bank (by then renamed Mercantile Bank) of Orlando, FL merged into Carolina First Bank of Greenville, SC.FDIC certificate 27515 ends; its business continues under certificate 26849.
- Sep 30, 2010MERGEDCarolina First Bank of Greenville, SC merged into TD Bank, National Association of Wilmington, DE.FDIC certificate 26849 ends; its business continues under certificate 18409.
- TodayOPEN
TD Bank, National AssociationMain office Wilmington, DE · FDIC certificate 18409 · 1,050 offices in 16 states on June 30, 2026Every TD Bank, National Association office → Website on file with the FDIC: www.td.com/us/en/personal-banking/
If you still have something from Citizens First National Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Citizens First National Bank as lienholder, start with TD Bank, National Association. 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 TD Bank, National Association to search for the account under the name Citizens First National 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 TD Bank, National Association which branch now holds boxes from the Citizens First National 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
4 offices filed under this charter in some year from 1994 on. 1 is still open as of June 30, 2026.
| Office | Now |
|---|---|
| 500 N Summit StCrescent City, FL | OpenSouthState Bank, National Association |
| 1 Eastgate SquareEast Palatka, FL | No longer reported |
| 3202 Crill AvenuePalatka, FL | No longer reported |
| 1120 Highway 20Interlachen, FL | No longer reported |
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 24541 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.