Bank Branches › Closed and merged banks › North Carolina › Bank of Granite
What happened to Bank of Granite?
Bank of Granite in Charlotte, NC merged into Communityone Bank, National Association of Asheboro, NC on Jun 8, 2013. After 2 more changes of hands, what was Bank of Granite 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.
- 1906Bank of Granite opens in Charlotte, NC
- Jun 8, 2013MERGEDBank of Granite merged into Communityone Bank, National Association of Asheboro, NC.FDIC certificate 5950 ends; its business continues under certificate 4879.
- Oct 26, 2016MERGEDCommunityone Bank, National Association of Asheboro, NC merged into Capital Bank Corporation of Raleigh, NC.FDIC certificate 4879 ends; its business continues under certificate 59049.
- Nov 30, 2017MERGEDCapital 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 Bank of Granite
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Bank of Granite 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 Bank of Granite. 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 Bank of Granite 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
24 offices filed under this charter in some year from 1994 on. 10 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 1420 2nd St NeHickory, NC | OpenFirst Horizon Bank |
| 301 S Mcdowell St, Ste 100Charlotte, NC | OpenFirst Horizon Bank |
| 707 College Ave SwLenoir, NC | OpenFirst Horizon Bank |
| 25 3rd St NwHickory, NC | OpenFirst Horizon Bank |
| 2841 W Us Highway 421Wilkesboro, NC | OpenFirst Horizon Bank |
| 1351 Norwood St SwLenoir, NC | OpenFirst Horizon Bank |
| 23 N Main StGranite Falls, NC | OpenFirst Horizon Bank |
| 201 E Meeting StMorganton, NC | OpenFirst Horizon Bank |
| 2432 Mckee RdCharlotte, NC | OpenFirst Horizon Bank |
| 6816 Carnegie BlvdCharlotte, NC | OpenFirst Horizon Bank |
| 18225 West Catawba AvenueCornelius, NC | No longer reported |
| 2220 12th Avenue, N.E.Hickory, NC | No longer reported |
| 2900 Highway 127 SouthHickory, NC | No longer reported |
| 311 North Main AvenueNewton, NC | No longer reported |
| 1109 Conover Boulevard EastConover, NC | No longer reported |
| 207 South Center StreetStatesville, NC | No longer reported |
| 537 Main StreetHudson, NC | No longer reported |
| 230 Wilson DriveBoone, NC | No longer reported |
| 791 Jonestown Road, Suite 100Winston Salem, NC | No longer reported |
| 2630 Connelly Springs RoadGranite Falls, NC | No longer reported |
| 2637 First Avenue, SouthwestLongview, NC | No longer reported |
| 701 Wilkesboro BoulevardLenoir, NC | No longer reported |
| 9580 N.C. Highway 10 WestVale, NC | No longer reported |
| 9580 N.c. Highway 10 WestVale, NC | No longer reported |
Banks folded into Bank of Granite
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| First Commerce BankCharlotte, NC | Jul 24, 2003 |
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 5950 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.