Bank Branches › Closed and merged banks › Texas › Encore Bank, National Association
What happened to Encore Bank, National Association?
Encore Bank, National Association in Houston, TX (earlier called Southwest Guaranty Trust Company and 3 other names) merged into Cadence Bank, N.A. of Atlanta, GA on Sep 14, 2012. After 2 more changes of hands, what was Encore Bank, National Association is today part of The Huntington National Bank (Columbus, OH).
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.
- 1956Southwest Guaranty Trust Company opens in Houston, TX
- Mar 27, 1997renamed Southwest Guaranty Trust Company, National Association
- Dec 31, 1999renamed National Fiduciary Services, National Association
- Apr 15, 2005renamed Encore Trust Company, National Association
- Jun 30, 2007renamed Encore Bank, National Association
- Sep 14, 2012MERGEDEncore Bank, National Association merged into Cadence Bank, N.A. of Atlanta, GA.FDIC certificate 34378 ends; its business continues under certificate 4999.
- Oct 29, 2021MERGEDCadence Bank, N.A. of Atlanta, GA merged into BancorpSouth Bank of Tupelo, MS.FDIC certificate 4999 ends; its business continues under certificate 11813.
- Feb 1, 2026MERGEDBancorpSouth Bank (by then renamed Cadence Bank) of Tupelo, MS merged into The Huntington National Bank of Columbus, OH.FDIC certificate 11813 ends; its business continues under certificate 6560.
- TodayOPEN
The Huntington National BankMain office Columbus, OH · FDIC certificate 6560 · 1,452 offices in 21 states on June 30, 2026Every The Huntington National Bank office → Website on file with the FDIC: www.huntington.com
If you still have something from Encore Bank, National Association
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Encore Bank, National Association as lienholder, start with The Huntington National 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 The Huntington National Bank to search for the account under the name Encore Bank, National 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 The Huntington National Bank which branch now holds boxes from the Encore Bank, National 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. 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
20 offices filed under this charter in some year from 1994 on. 6 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 6330 San Felipe StHouston, TX | OpenThe Huntington National Bank |
| 3754 Westheimer RdHouston, TX | OpenThe Huntington National Bank |
| 1925 Hughes Landing Blvd, Ste 200The Woodlands, TX | OpenThe Huntington National Bank |
| 10260 Westheimer Rd, Ste 100Houston, TX | OpenThe Huntington National Bank |
| 5706 Kirby DriveHouston, TX | OpenThe Huntington National Bank |
| 5548 Fm 1960 Rd WHouston, TX | OpenThe Huntington National Bank |
| 4647 Sweetwater Blvd, Ste ASugar Land, TX | No longer reported |
| 1001 Fannin St, Suite L-100Houston, TX | No longer reported |
| 2229 San Felipe St, Suite 100Houston, TX | No longer reported |
| 6400 Fannin St, Ste 222Houston, TX | No longer reported |
| 845 North Eldridge ParkwayHouston, TX | No longer reported |
| 9 E Greenway Plaza, Ste 110Houston, TX | No longer reported |
| 5433 Westheimer RoadHouston, TX | No longer reported |
| Nine East Greenway Plaza, Suite 1000Houston, TX | No longer reported |
| 3003 Tamiami Trail, Ste 100Naples, FL | No longer reported |
| 10600 Tamiami Trail, N, Suite 604Naples, FL | No longer reported |
| 7920 Summerlin Lakes DriveFort Myers, FL | No longer reported |
| 1653 Sun City Center Plz, Ste 1001Sun City Center, FL | No longer reported |
| 2566-G Mcmullen Booth RoadClearwater, FL | No longer reported |
| 2973 W Bay DriveBelleair Bluffs, FL | No longer reported |
Banks folded into Encore Bank, National Association
1 bank merged directly into this charter; counting the banks those had absorbed earlier, 5 charters end up inside it.
| Bank | Ended |
|---|---|
| Encore Bank, National AssociationNaples, FL | Jun 30, 2007 |
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 34378 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.