Bank Branches › Closed and merged banks › Texas › First State Bank
What happened to First State Bank?
First State Bank in Wells, TX merged into Texas Bank, National Association of Fort Worth, TX on Mar 23, 1993. After 1 more change of hands, what was First State Bank is today part of Ciera Bank (Graham, TX).
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.
- 1913First State Bank opens in Wells, TX
- Mar 23, 1993MERGEDFirst State Bank merged into Texas Bank, National Association of Fort Worth, TX.FDIC certificate 9016 ends; its business continues under certificate 18915.
- Dec 7, 2013MERGEDTexas Bank, National Association (by then renamed West Side Bank and Trust) of Fort Worth, TX merged into Ciera Bank of Graham, TX.FDIC certificate 18915 ends; its business continues under certificate 3226.
- TodayOPEN
Ciera BankMain office Graham, TX · FDIC certificate 3226 · 8 offices in 1 state on June 30, 2026Every Ciera Bank office → Website on file with the FDIC: www.cierabank.com
If you still have something from First State Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First State Bank as lienholder, start with Ciera 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 Ciera Bank to search for the account under the name First State 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 Ciera Bank which branch now holds boxes from the First State 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.
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 ▾
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 9016 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.