Bank Branches › Closed and merged banks › Kentucky › Area Trust Company
What happened to Area Trust Company?
Area Trust Company in Owensboro, KY (earlier called Peoples Bank of Murray, Ky.) merged into Branch Banking and Trust Company of Charlotte, NC on Jul 12, 2002. That bank is now called Truist Bank (Charlotte, NC).
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.
- 1934Peoples Bank of Murray, Ky. opens in Owensboro, KY
- Aug 18, 2000renamed Area Trust Company
- Jul 12, 2002MERGEDArea Trust Company merged into Branch Banking and Trust Company of Charlotte, NC.FDIC certificate 14876 ends; its business continues under certificate 9846.
- TodayOPEN
Truist BankMain office Charlotte, NC · FDIC certificate 9846 · 1,928 offices in 18 states on June 30, 2026Every Truist Bank office → Website on file with the FDIC: www.Truist.com
If you still have something from Area Trust Company
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Area Trust Company as lienholder, start with Truist 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 Truist Bank to search for the account under the name Area 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 Truist Bank which branch now holds boxes from the Area 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
4 offices filed under this charter in some year from 1994 on. 1 is still open as of June 30, 2026.
| Office | Now |
|---|---|
| 602 S 12th StMurray, KY | OpenTruist Bank |
| 1104 Chestnut StreetMurray, KY | No longer reported |
| 808 North 12th StreetMurray, KY | No longer reported |
| 500 Main StreetMurray, KY | No longer reported |
Banks folded into Area Trust Company
7 banks merged directly into this charter; counting the banks those had absorbed earlier, 11 charters end up inside it.
| Bank | Ended |
|---|---|
| The New Farmers National Bank of GlasgowGlasgow, KY | Oct 2, 2000 |
| Peoples Commercial BankWinchester, KY | Oct 2, 2000 |
| Bowling Green Bank & Trust Company, National AssociationBowling Green, KY | Oct 2, 2000 |
| First City Bank and Trust CompanyHopkinsville, KY | Oct 2, 2000 |
| The Jefferson Banking CompanyLouisville, KY | Oct 2, 2000 |
| The Owensboro National BankOwensboro, KY | Aug 18, 2000 |
| Broadway Bank and Trust Co.Paducah, KY | Aug 18, 2000 |
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 14876 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.