Bank Branches › Closed and merged banks › Florida › Panama City Beach Federal Savings and Loan Association
What happened to Panama City Beach Federal Savings and Loan Association?
Panama City Beach Federal Savings and Loan Association in Panama City Beach, FL was merged into Freedom Savings and Loan Association of Tampa, FL with federal assistance on Dec 31, 1976. After 7 more changes of hands, what was Panama City Beach Federal Savings and Loan Association is today part of Bank of America, National Association (Charlotte, NC).
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.
- 1973Panama City Beach Federal Savings and Loan Association opens in Panama City Beach, FL
- Dec 31, 1976ASSISTED MERGERPanama City Beach Federal Savings and Loan Association was merged into Freedom Savings and Loan Association of Tampa, FL with federal assistance.FDIC certificate 31669 ends; its business continues under certificate 28887.
- Jul 23, 1987ASSISTED MERGERFreedom Savings and Loan Association of Tampa, FL was merged into Freedom Savings and Loan Association, A Federal Savings and Loan Associa of Tampa, FL with federal assistance.FDIC certificate 28887 ends; its business continues under certificate 32549.
- Oct 13, 1989RESOLVEDFreedom Savings and Loan Association, A Federal Savings and Loan Associa of Tampa, FL was closed in a federal resolution, and its business passed to NCNB National Bank of Florida of Tampa, FL.FDIC certificate 32549 ends; its business continues under certificate 17561. The FDIC's failure list dates the failure Feb 7, 1989.
- Sep 4, 1992MERGEDNCNB National Bank of Florida of Tampa, FL merged into NationsBank of Florida, N.A. of Tampa, FL.FDIC certificate 17561 ends; its business continues under certificate 15474.
- Dec 21, 1995MERGEDNationsBank of Florida, N.A. of Tampa, FL merged into NationsBank of Florida, National Association of Valdosta, GA.FDIC certificate 15474 ends; its business continues under certificate 127.
- Dec 29, 1995MERGEDNationsBank of Florida, National Association of Valdosta, GA merged into NationsBank of Georgia, National Association of Atlanta, GA.FDIC certificate 127 ends; its business continues under certificate 2155.
- Jun 1, 1997MERGEDNationsBank of Georgia, National Association (by then renamed NationsBank, National Association (South)) of Atlanta, GA merged into NationsBank, National Association of Charlotte, NC.FDIC certificate 2155 ends; its business continues under certificate 15802.
- Jul 23, 1999MERGEDNationsBank, National Association (by then renamed Bank of America, National Association) of Charlotte, NC merged into Bank of America National Trust and Savings Association of Charlotte, NC.FDIC certificate 15802 ends; its business continues under certificate 3510.
- TodayOPEN
Bank of America, National AssociationMain office Charlotte, NC · FDIC certificate 3510 · 3,598 offices in 39 states on June 30, 2026Every Bank of America, National Association office → Website on file with the FDIC: www.bankofamerica.com
If you still have something from Panama City Beach Federal Savings and Loan Association
A lien that was never released
Freedom Savings and Loan Association, A Federal Savings and Loan Associa failed on Feb 7, 1989, handled by the Resolution Trust Corporation, the agency that closed failed savings institutions from 1989 to 1995. The FDIC's lien-release page covers failed banks and savings and loans placed in FDIC receivership; it does not say how releases work for resolutions this old.
Call FDIC Resolution Inquiries at 888-206-4662 (8am–4pm Central, weekdays) and ask whether the FDIC holds this institution's receivership. Ask Bank of America, National Association as well: the chain above leads there. The FDIC's own instructions are at FDIC, Obtaining a Lien Release.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, NCNB National Bank of Florida). Start with Bank of America, National Association, and ask them to search under the name Panama City Beach Federal Savings and Loan Association.
This failure is older than the current federal rule on unclaimed deposits (mid-1993), so different rules apply. Search FDIC unclaimed funds search, search the unclaimed-property program of the state of the owner's last known address on the bank's records, and ask FDIC Resolution Inquiries at 888-206-4662 what applies to this institution.
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 Bank of America, 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.
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 31669 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.