Bank Branches › Closed and merged banks › Florida › Citizens Bank & Trust
What happened to Citizens Bank & Trust?
Citizens Bank & Trust in Clearwater, FL (earlier called Citizens Bank of Clearwater) merged into First National Bank of Florida of Clearwater, FL on Oct 9, 1998. The chain runs 2 steps further and ends with no operating bank.
The chain, step by step
From the day it opened to the last entry on record. Each step is one entry in the FDIC's record.
- 1986Citizens Bank of Clearwater opens in Clearwater, FL
- Feb 15, 1995renamed Citizens Bank & Trust
- Oct 9, 1998MERGEDCitizens Bank & Trust merged into First National Bank of Florida of Clearwater, FL.FDIC certificate 26684 ends; its business continues under certificate 26629.
- Feb 16, 2001MERGEDFirst National Bank of Florida of Clearwater, FL merged into West Coast Guaranty Bank, National Association of Sarasota, FL.FDIC certificate 26629 ends; its business continues under certificate 27030.
- Feb 20, 2001CLOSEDWest Coast Guaranty Bank, National Association of Sarasota, FL closed voluntarily. It did not fail.FDIC certificate 27030 ends.
- NO SUCCESSOR BANK
The FDIC record ends here. No operating bank carries this charter today.
If you still have something from Citizens Bank & Trust
A lien that was never released
Citizens Bank & Trust closed voluntarily, and the FDIC says it cannot process lien releases for banks that closed voluntarily and liquidated or closed without government assistance. The FDIC says it may be able to help only where the lender was a failed bank placed in FDIC receivership.
Our suggestion, not the FDIC's: a title company or real-estate attorney in the county where the lien is recorded will know how that state clears a lien from a lender that no longer exists.
An old account, passbook or CD
With no successor bank to ask, go to the unclaimed-property program of the state of the owner's last known address on the bank's records. The OCC gives the same advice for old records from a bank that no longer exists.
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
Contents of boxes left behind are handled under state unclaimed-property law. Start with the unclaimed-property program of Florida, where the box was.
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.
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
7 offices filed under this charter in some year from 1994 on. 5 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 100 Island WayClearwater, FL | OpenFifth Third Bank, National Association |
| 12360 Indian Rocks RdLargo, FL | OpenFifth Third Bank, National Association |
| 1100 E Lake RdPalm Harbor, FL | OpenFifth Third Bank, National Association |
| 2508 State Road 580Clearwater, FL | OpenFifth Third Bank, National Association |
| 13361 49th St NClearwater, FL | OpenFifth Third Bank, National Association |
| 601 Indian Rocks RoadBelleair, FL | No longer reported |
| 5555 Roosevelt BoulevardClearwater, 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 26684 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.