Bank Branches › Closed and merged banks › Florida › Vanguard Bank & Trust Company
What happened to Vanguard Bank & Trust Company?
Vanguard Bank & Trust Company in Valparaiso, FL (earlier called The Valparaiso Bank and Trust Co.) merged into Bank of Pensacola of Pensacola, FL on Dec 15, 2008. After 2 more changes of hands, what was Vanguard Bank & Trust Company is today part of Pinnacle Bank (Nashville, 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.
- 1922The Valparaiso Bank and Trust Co. opens in Valparaiso, FL
- Oct 1, 1984renamed Vanguard Bank & Trust Company
- Dec 15, 2008MERGEDVanguard Bank & Trust Company merged into Bank of Pensacola of Pensacola, FL.FDIC certificate 11290 ends; its business continues under certificate 20830.
- Jun 1, 2010MERGEDBank of Pensacola (by then renamed Coastal Bank and Trust of Florida) of Pensacola, FL merged into Synovus Bank of Columbus, GA.FDIC certificate 20830 ends; its business continues under certificate 873.
- Jan 2, 2026MERGEDSynovus Bank of Columbus, GA merged into Pinnacle Bank of Nashville, TN.FDIC certificate 873 ends; its business continues under certificate 35583.
- TodayOPEN
Pinnacle BankMain office Nashville, TN · FDIC certificate 35583 · 389 offices in 9 states on June 30, 2026Every Pinnacle Bank office → Website on file with the FDIC: www.pnfp.com
If you still have something from Vanguard Bank & Trust Company
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Vanguard Bank & Trust Company as lienholder, start with Pinnacle 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 Pinnacle Bank to search for the account under the name Vanguard Bank & Trust Company. 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 Pinnacle Bank which branch now holds boxes from the Vanguard Bank & Trust Company 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. 5 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 71 Beal Pkwy NeFort Walton Beach, FL | OpenPinnacle Bank |
| 1001 John Sims Pkwy ENiceville, FL | OpenPinnacle Bank |
| 1139 Industrial DrCrestview, FL | OpenPinnacle Bank |
| 4300 E Highway 20Niceville, FL | OpenPinnacle Bank |
| 34910 Emerald Coast PkwyDestin, FL | OpenPinnacle Bank |
| 2624 Jenks Avenue, Suite APanama City, FL | No longer reported |
| 2150 South Ferdon BoulevardCrestview, FL | No longer reported |
| 815 Beal Pkwy NwFort Walton Beach, FL | No longer reported |
| 23 John Sims ParkwayValparaiso, FL | No longer reported |
| 403 North Seventh StreetEglin Afb, FL | No longer reported |
| 230 Main StDestin, FL | No longer reported |
| 302 Mary Esther BlvdMary Esther, FL | No longer reported |
| 10859 Emerald Coast ParkwayMiramar Beach, FL | No longer reported |
| 30 Holly RoadShalimar, FL | No longer reported |
| 15017 Emerald Coast ParkwayDestin, FL | No longer reported |
| 748 Beal Parkway NorthwestFort Walton Beach, FL | No longer reported |
| Memorial Lake Shopping ComplexEglin Air Force Base, FL | No longer reported |
Banks folded into Vanguard Bank & Trust Company
2 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Ready Bank of Walton FloridaFort Walton Beach, FL | Oct 31, 1999 |
| Vanguard Bank of Mary EstherMary Esther, FL | Jan 1, 1987 |
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 11290 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.