Bank Branches › Closed and merged banks › North Carolina › Four Oaks Bank & Trust Company
What happened to Four Oaks Bank & Trust Company?
Four Oaks Bank & Trust Company in Four Oaks, NC (earlier called Bank of Four Oaks) merged into United Community Bank of Greenville, SC on Nov 1, 2017. United Community Bank is open today.
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.
- 1912Bank of Four Oaks opens in Four Oaks, NC
- Jun 25, 1990renamed Four Oaks Bank & Trust Company
- Nov 1, 2017MERGEDFour Oaks Bank & Trust Company merged into United Community Bank of Greenville, SC.FDIC certificate 11506 ends; its business continues under certificate 16889.
- TodayOPEN
United Community BankMain office Greenville, SC · FDIC certificate 16889 · 190 offices in 6 states on June 30, 2026Every United Community Bank office → Website on file with the FDIC: www.ucbi.com
If you still have something from Four Oaks Bank & Trust Company
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Four Oaks Bank & Trust Company as lienholder, start with United Community 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 United Community Bank to search for the account under the name Four Oaks 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 United Community Bank which branch now holds boxes from the Four Oaks 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
18 offices filed under this charter in some year from 1994 on. 8 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 102 E Main StClayton, NC | OpenUnited Community Bank |
| 128 N 2nd StSmithfield, NC | OpenUnited Community Bank |
| 325 N Judd Pkwy NeFuquay Varina, NC | OpenUnited Community Bank |
| 6144 Us Highway 301 SFour Oaks, NC | OpenUnited Community Bank |
| 406 E Main StWallace, NC | OpenUnited Community Bank |
| 805 N Arendell AveZebulon, NC | OpenUnited Community Bank |
| 200 E Church StBenson, NC | OpenUnited Community Bank |
| 200 Glen RdGarner, NC | OpenUnited Community Bank |
| 115 Four Oaks PlaceDunn, NC | No longer reported |
| 201 West Center StreetHolly Springs, NC | No longer reported |
| 1408 Garner Station BoulevardRaleigh, NC | No longer reported |
| 403 S Brightleaf BlvdSmithfield, NC | No longer reported |
| 590 Tomahawk HighwayHarrells, NC | No longer reported |
| 111 North Main StreetFour Oaks, NC | No longer reported |
| 1401 Fayettville RoadRockingham, NC | No longer reported |
| 830 Spring LaneSanford, NC | No longer reported |
| 105 Commerce AvenueSouthern Pines, NC | No longer reported |
| 574 Village CourtGarner, NC | No longer reported |
Banks folded into Four Oaks Bank & Trust Company
2 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Nuestro BancoRaleigh, NC | Jan 1, 2010 |
| Longleaf Community BankRockingham, NC | Apr 18, 2008 |
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 11506 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.