Bank Branches › Closed and merged banks › Florida › The First National Bank of Florida
What happened to The First National Bank of Florida?
The First National Bank of Florida in Milton, FL (earlier called First National Bank of Santa Rosa) failed, and CharterBank of West Point, GA took it over on Sep 9, 2011. After 1 more change of hands, what was The First National Bank of Florida is today part of SouthState Bank, National Association (Winter Haven, FL).
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.
- 1984First National Bank of Santa Rosa opens in Milton, FL
- Mar 17, 1997renamed The First National Bank of Florida
- Sep 9, 2011FAILEDThe First National Bank of Florida failed, and CharterBank of West Point, GA took it over.FDIC certificate 25155 ends; its business continues under certificate 30720.
- Sep 1, 2018MERGEDCharterBank of West Point, GA merged into CenterState Bank, National Association of Winter Haven, FL.FDIC certificate 30720 ends; its business continues under certificate 33555.
- TodayOPEN
SouthState Bank, National AssociationMain office Winter Haven, FL · FDIC certificate 33555 · 349 offices in 8 states on June 30, 2026Every SouthState Bank, National Association office → Website on file with the FDIC: www.southstatebank.com
If you still have something from The First National Bank of Florida
A lien that was never released
The First National Bank of Florida failed on Sep 9, 2011. 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 SouthState Bank, 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, CharterBank). Start with SouthState Bank, National Association, and ask them to search under the name The First National Bank of Florida.
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 SouthState Bank, 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. 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
8 offices filed under this charter in some year from 1994 on. 2 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 6512 Caroline StMilton, FL | OpenSouthState Bank, National Association |
| 4920 Bayou BlvdPensacola, FL | OpenSouthState Bank, National Association |
| 17005 Emerald Coast ParkwayDestin, FL | No longer reported |
| 4600 Mobile HighwayPensacola, FL | No longer reported |
| 8960 Pensacola BoulevardPensacola, FL | No longer reported |
| 4104 Hwy 90Pace, FL | No longer reported |
| 10090 Navarre ParkwayNavarre, FL | No longer reported |
| 4965 Highway 90Pace, 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 25155 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.