Bank Branches › Closed and merged banks › Oklahoma › Citizens Federal Savings and Loan Association
What happened to Citizens Federal Savings and Loan Association?
Citizens Federal Savings and Loan Association in Sand Springs, OK was merged into Midamerica Federal Savings and Loan Association of Tulsa, OK with federal assistance on Jan 31, 1976. After 3 more changes of hands, what was Citizens Federal Savings and Loan Association is today part of International Bank of Commerce (Laredo, TX).
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.
- 1922Citizens Federal Savings and Loan Association opens in Sand Springs, OK
- Jan 31, 1976ASSISTED MERGERCitizens Federal Savings and Loan Association was merged into Midamerica Federal Savings and Loan Association of Tulsa, OK with federal assistance.FDIC certificate 28556 ends; its business continues under certificate 28661.
- Aug 31, 1988ASSISTED MERGERMidamerica Federal Savings and Loan Association of Tulsa, OK was merged into Local America Bank of Tulsa, A Federal Savings Bank of Tulsa, OK with federal assistance.FDIC certificate 28661 ends; its business continues under certificate 32602.
- Nov 30, 1998MERGEDLocal America Bank of Tulsa, A Federal Savings Bank of Tulsa, OK merged into Local Federal Bank, F.S.B. of Oklahoma City, OK.FDIC certificate 32602 ends; its business continues under certificate 28542.
- Jun 19, 2004MERGEDLocal Federal Bank, F.S.B. (by then renamed Local Oklahoma Bank) of Oklahoma City, OK merged into International Bank of Commerce of Laredo, TX.FDIC certificate 28542 ends; its business continues under certificate 19629.
- TodayOPEN
International Bank of CommerceMain office Laredo, TX · FDIC certificate 19629 · 80 offices in 1 state on June 30, 2026Every International Bank of Commerce office → Website on file with the FDIC: www.ibc.com
If you still have something from Citizens Federal Savings and Loan Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Citizens Federal Savings and Loan Association as lienholder, start with International Bank of Commerce. 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.
Citizens Federal Savings and Loan Association was merged with federal assistance on Jan 31, 1976. The FDIC's limit on lien releases is for mergers without government assistance, so FDIC Resolution Inquiries (888-206-4662, 8am–4pm Central, weekdays) can tell you whether it holds anything for this bank.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask International Bank of Commerce to search for the account under the name Citizens Federal Savings and Loan Association. 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 International Bank of Commerce which branch now holds boxes from the Citizens Federal Savings and Loan Association 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.
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 28556 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.