Bank Branches › Closed and merged banks › Tennessee › Cumberland Bank
What happened to Cumberland Bank?
Cumberland Bank in Carthage, TN (earlier called Sand Loan Associationof Smith County Incorporated and 1 other name) merged into Cumberland Bank South of Franklin, TN on Sep 1, 2004. After 3 more changes of hands, what was Cumberland Bank is today part of First Horizon Bank (Memphis, TN).
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.
- 1975Sand Loan Associationof Smith County Incorporated opens in Carthage, TN
- Jun 30, 1987renamed Cumberland Savings Bank
- Aug 1, 1990renamed Cumberland Bank
- Sep 1, 2004MERGEDCumberland Bank merged into Cumberland Bank South of Franklin, TN.FDIC certificate 31857 ends; its business continues under certificate 31916.
- May 18, 2007MERGEDCumberland Bank South (by then renamed Cumberland Bank) of Franklin, TN merged into GreenBank of Greeneville, TN.FDIC certificate 31916 ends; its business continues under certificate 895.
- Sep 8, 2011MERGEDGreenBank of Greeneville, TN merged into Capital Bank, National Association of Raleigh, NC.FDIC certificate 895 ends; its business continues under certificate 59049.
- Nov 30, 2017MERGEDCapital Bank, National Association (by then renamed Capital Bank Corporation) of Raleigh, NC merged into First Tennessee Bank, National Association of Memphis, TN.FDIC certificate 59049 ends; its business continues under certificate 4977.
- TodayOPEN
First Horizon BankMain office Memphis, TN · FDIC certificate 4977 · 406 offices in 12 states on June 30, 2026Every First Horizon Bank office → Website on file with the FDIC: www.firsthorizon.com
If you still have something from Cumberland Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Cumberland Bank as lienholder, start with First Horizon 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 First Horizon Bank to search for the account under the name Cumberland Bank. 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 First Horizon Bank which branch now holds boxes from the Cumberland Bank 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
10 offices filed under this charter in some year from 1994 on. 4 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 101 W Main StMcminnville, TN | OpenCitizens Tri-County Bank |
| 2916 Highway 31 WWhite House, TN | OpenFirst Horizon Bank |
| 440 Highway 52 Byp WLafayette, TN | OpenFirst Horizon Bank |
| 1100 New Smithville Hwy, Suite 700Mcminnville, TN | OpenCitizens Tri-County Bank |
| 1001 North Main StreetCarthage, TN | No longer reported |
| 411 Gordonsville HighwayGordonsville, TN | No longer reported |
| 420 Highway 52 WestPortland, TN | No longer reported |
| 250 West BroadwayGallatin, TN | No longer reported |
| 7836 Highway 25 EastCross Plains, TN | No longer reported |
| 101 Public SquareGallatin, TN | 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 31857 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.