Bank Branches › Closed and merged banks › Florida › First Federal Bank of North Florida
What happened to First Federal Bank of North Florida?
First Federal Bank of North Florida in Palatka, FL (earlier called First Federal Savings and Loan Association of Putnam County) failed, and TD Bank, National Association of Wilmington, DE took it over on Apr 16, 2010. TD Bank, National Association is open today.
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.
- 1934First Federal Savings and Loan Association of Putnam County opens in Palatka, FL
- Jan 1, 1999renamed First Federal Bank of North Florida
- Apr 16, 2010FAILEDFirst Federal Bank of North Florida failed, and TD Bank, National Association of Wilmington, DE took it over.FDIC certificate 28886 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 First Federal Bank of North Florida
A lien that was never released
First Federal Bank of North Florida failed on Apr 16, 2010. 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 TD 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, TD Bank, National Association). Start with TD Bank, National Association, and ask them to search under the name First Federal Bank of North 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 TD 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
10 offices filed under this charter in some year from 1994 on. 1 is still open as of June 30, 2026.
| Office | Now |
|---|---|
| 1120 Sr 20Interlachen, FL | OpenDLP Bank |
| 350 N. Summit StreetCrescent City, FL | No longer reported |
| 511 St Johns AvePalatka, FL | No longer reported |
| 350 N. Summit StreetCrescent City, FL | No longer reported |
| Hwy #20 Miller's Shopping CenterInterlachen, FL | No longer reported |
| 101 Hwy #19 NorthPalatka, FL | No longer reported |
| 710 Third Ave.Welaka, FL | No longer reported |
| 8748 East Church St.Hastings, FL | No longer reported |
| 2501 US 1 SouthSt. Augustine, FL | No longer reported |
| 4320 A1a South, Suite 7St. Augustine, 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 28886 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.