Bank Branches › Closed and merged banks › New Jersey › First Bank of Central Jersey
What happened to First Bank of Central Jersey?
First Bank of Central Jersey in North Brunswick, NJ merged into Synergy Bank of Cranford, NJ on Jan 10, 2003. After 2 more changes of hands, what was First Bank of Central Jersey is today part of Flagstar Bank, National Association (Hicksville, NY).
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.
- 1998First Bank of Central Jersey opens in North Brunswick, NJ
- Jan 10, 2003MERGEDFirst Bank of Central Jersey merged into Synergy Bank of Cranford, NJ.FDIC certificate 34690 ends; its business continues under certificate 34851.
- Oct 1, 2007MERGEDSynergy Bank of Cranford, NJ merged into New York Community Bank of Hicksville, NY.FDIC certificate 34851 ends; its business continues under certificate 16022.
- Dec 1, 2022MERGEDNew York Community Bank of Hicksville, NY merged into Flagstar Bank, National Association of Hicksville, NY.FDIC certificate 16022 ends; its business continues under certificate 32541.
- TodayOPEN
Flagstar Bank, National AssociationMain office Hicksville, NY · FDIC certificate 32541 · 345 offices in 10 states on June 30, 2026Every Flagstar Bank, National Association office → Website on file with the FDIC: www.flagstar.com
If you still have something from First Bank of Central Jersey
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First Bank of Central Jersey as lienholder, start with Flagstar Bank, National Association. 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 Flagstar Bank, National Association to search for the account under the name First Bank of Central Jersey. 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 Flagstar Bank, National Association which branch now holds boxes from the First Bank of Central Jersey 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
2 offices filed under this charter in some year from 1994 on. 1 is still open as of June 30, 2026.
| Office | Now |
|---|---|
| 1727 Route 130North Brunswick, NJ | OpenFlagstar Bank, National Association |
| 337 Applegarth RoadMonroe Township, NJ | 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 34690 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.