Bank Branches › Closed and merged banks › California › Bank of La Costa
What happened to Bank of La Costa?
Bank of La Costa in Carlsbad, CA merged into The Bank of San Diego of San Diego, CA on Jul 27, 1991. After 2 more changes of hands, what was Bank of La Costa is today part of Zions Bancorporation, N.A. (Salt Lake City, UT).
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.
- 1983Bank of La Costa opens in Carlsbad, CA
- Jul 27, 1991MERGEDBank of La Costa merged into The Bank of San Diego of San Diego, CA.FDIC certificate 24712 ends; its business continues under certificate 22815.
- Oct 29, 1993FAILEDThe Bank of San Diego of San Diego, CA failed, and Grossmont Bank of San Diego, CA took it over.FDIC certificate 22815 ends; its business continues under certificate 20852.
- Dec 31, 2015MERGEDGrossmont Bank (by then renamed California Bank & Trust) of San Diego, CA merged into Zions First National Bank of Salt Lake City, UT.FDIC certificate 20852 ends; its business continues under certificate 2270.
- TodayOPEN
Zions Bancorporation, N.A.Main office Salt Lake City, UT · FDIC certificate 2270 · 409 offices in 11 states on June 30, 2026Every Zions Bancorporation, N.A. office → Website on file with the FDIC: www.zionsbancorporation.com
If you still have something from Bank of La Costa
A lien that was never released
The Bank of San Diego failed on Oct 29, 1993. 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 Zions Bancorporation, N.A., 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, Grossmont Bank). Start with Zions Bancorporation, N.A., and ask them to search under the name Bank of La Costa.
For failures since mid-1993 the law sets a clock: insured deposits not claimed within 18 months of the FDIC starting to pay depositors are offered to the state of the depositor's last known address on the bank's records. If the state takes them, the owner has 10 years to claim there before the money returns to the FDIC. Check FDIC unclaimed funds search and that state's unclaimed-property program.
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 Zions Bancorporation, N.A.. 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 ▾
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 24712 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.