Bank Branches › Closed and merged banks › Kentucky › Peoples First, F.S.B.
What happened to Peoples First, F.S.B.?
Peoples First, F.S.B. in Central City, KY (earlier called First Kentucky Federal Savings and Loan Association and 1 other name) merged into Peoples First National Bank and Trust Company of Paducah, KY on Feb 12, 1998. After 2 more changes of hands, what was Peoples First, F.S.B. is today part of Regions Bank (Birmingham, AL).
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 Kentucky Federal Savings and Loan Association opens in Central City, KY
- Apr 2, 1990renamed First Kentucky Federal Savings Bank
- Oct 1, 1997renamed Peoples First, F.S.B.
- Feb 12, 1998MERGEDPeoples First, F.S.B. merged into Peoples First National Bank and Trust Company of Paducah, KY.FDIC certificate 28962 ends; its business continues under certificate 2763.
- Aug 13, 1999MERGEDPeoples First National Bank and Trust Company (by then renamed Union Planters Bank of Kentucky, National Association) of Paducah, KY merged into Union Planters Bank, National Association of Memphis, TN.FDIC certificate 2763 ends; its business continues under certificate 4979.
- Jun 30, 2005MERGEDUnion Planters Bank, National Association of Memphis, TN merged into Regions Bank of Birmingham, AL.FDIC certificate 4979 ends; its business continues under certificate 12368.
- TodayOPEN
Regions BankMain office Birmingham, AL · FDIC certificate 12368 · 1,245 offices in 16 states on June 30, 2026Every Regions Bank office → Website on file with the FDIC: www.regions.com
If you still have something from Peoples First, F.S.B.
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Peoples First, F.S.B. as lienholder, start with Regions Bank. 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.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask Regions Bank to search for the account under the name Peoples First, F.S.B.. 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 Regions Bank which branch now holds boxes from the Peoples First, F.S.B. 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. 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
6 offices filed under this charter in some year from 1994 on. 2 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 109 N 2nd StCentral City, KY | OpenFirst Kentucky Bank, Inc. |
| 145 N Main StGreenville, KY | OpenFirst Kentucky Bank, Inc. |
| 121 W.logan St.Morgantown, KY | No longer reported |
| Third & Hill StreetsLivermore, KY | No longer reported |
| 500 North Main StreetBeaver Dam, KY | No longer reported |
| 424 Main St.Hartford, KY | No longer reported |
Banks folded into Peoples First, F.S.B.
1 bank merged directly into this charter; counting the banks those had absorbed earlier, 2 charters end up inside it.
| Bank | Ended |
|---|---|
| Ohio County Federal Savings and Loan AssociationHartford, KY | Apr 30, 1984 |
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 28962 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.