Bank Branches › Closed and merged banks › North Carolina › The First National Bank of Shelby
What happened to The First National Bank of Shelby?
The First National Bank of Shelby in Shelby, NC merged into Bank of the Ozarks of Little Rock, AR on Aug 1, 2013. That bank is now called Bank OZK (Little Rock, AR).
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.
- 1874The First National Bank of Shelby opens in Shelby, NC
- Aug 1, 2013MERGEDThe First National Bank of Shelby merged into Bank of the Ozarks of Little Rock, AR.FDIC certificate 4910 ends; its business continues under certificate 110.
- TodayOPEN
Bank OZKMain office Little Rock, AR · FDIC certificate 110 · 256 offices in 6 states on June 30, 2026Every Bank OZK office → Website on file with the FDIC: www.ozk.com
If you still have something from The First National Bank of Shelby
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows The First National Bank of Shelby as lienholder, start with Bank OZK. 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 Bank OZK to search for the account under the name The First National Bank of Shelby. 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 Bank OZK which branch now holds boxes from the The First National Bank of Shelby 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
17 offices filed under this charter in some year from 1994 on. 12 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 106 S Lafayette StShelby, NC | OpenBank OZK |
| 300 W Mountain StKings Mountain, NC | OpenBank OZK |
| 2317 E Main StLincolnton, NC | OpenBank OZK |
| 529 S New Hope RdGastonia, NC | OpenBank OZK |
| 108 Plaza Dr ExtForest City, NC | OpenBank OZK |
| 1127 E Marion StShelby, NC | OpenBank OZK |
| 5800 W Wilkinson BlvdBelmont, NC | OpenBank OZK |
| 1225 Gastonia HwyBessemer City, NC | OpenBank OZK |
| 208 North Main StreetBoiling Springs, NC | OpenBank OZK |
| 103 Piedmont DrLawndale, NC | OpenBank OZK |
| 1338 E Dixon BlvdShelby, NC | OpenBank OZK |
| 526 S Lafayette StShelby, NC | OpenBank OZK |
| 801 North Lafayette StreetShelby, NC | No longer reported |
| 1531 South Port RoadShelby, NC | No longer reported |
| 116 West Court StreetRutherfordton, NC | No longer reported |
| 243 North Washington StreetRutherfordton, NC | No longer reported |
| 711 East Marion StreetShelby, NC | No longer reported |
Banks folded into The First National Bank of Shelby
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| First Carolina Federal Savings BankKings Mountain, NC | Apr 2, 1999 |
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 4910 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.