Bank Branches › Closed and merged banks › Florida › First City Bank of Florida
What happened to First City Bank of Florida?
First City Bank of Florida in Fort Walton Beach, FL (earlier called Bank of Fort Walton and 1 other name) failed, and United Fidelity Bank, fsb of Evansville, IN took it over on Oct 16, 2020. United Fidelity Bank, fsb 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.
- 1948Bank of Fort Walton opens in Fort Walton Beach, FL
- Jan 23, 1968renamed First City Bank of Fort Walton
- Nov 6, 1997renamed First City Bank of Florida
- Oct 16, 2020FAILEDFirst City Bank of Florida failed, and United Fidelity Bank, fsb of Evansville, IN took it over.FDIC certificate 16748 ends; its business continues under certificate 29566.
- TodayOPEN
United Fidelity Bank, fsbMain office Evansville, IN · FDIC certificate 29566 · 22 offices in 5 states on June 30, 2026Every United Fidelity Bank, fsb office → Website on file with the FDIC: www.unitedfidelity.com
If you still have something from First City Bank of Florida
A lien that was never released
First City Bank of Florida failed on Oct 16, 2020. For a failed bank placed in FDIC receivership, the FDIC may be able to issue the lien release, if the loan was paid off to the bank before it failed or to the FDIC afterward. The FDIC says that where a failed bank had an acquirer, its records in most cases went to that acquirer. Here the chain from the acquirer leads to United Fidelity Bank, fsb, which is worth asking too.
Requests go through the FDIC Information and Support Center with the recorded mortgage or title, and proof of payoff. The FDIC says to allow 30 business days once it has every document, and does not take requests by phone or email. Questions: FDIC Resolution Inquiries, 888-206-4662, 8am–4pm Central on weekdays.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, United Fidelity Bank, fsb). Start with United Fidelity Bank, fsb, and ask them to search under the name First City Bank of Florida.
For failures since mid-1993 the law sets a clock: insured deposits not claimed within 18 months of the FDIC starting to pay depositors are offered to the state of the depositor's last known address on the bank's records. If the state takes them, the owner has 10 years to claim there before the money returns to the FDIC. Check FDIC unclaimed funds search and that state's unclaimed-property program.
A safe deposit box
The FDIC says that when a healthy bank assumes a failed bank's deposits, the branches usually reopen the next business day with box access. Today, ask United Fidelity Bank, fsb. A box abandoned for years may have been 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
9 offices filed under this charter in some year from 1994 on. 2 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 135 Perry Ave SeFort Walton Beach, FL | OpenUnited Fidelity Bank, fsb |
| 363 Old Highway 98Destin, FL | OpenUnited Fidelity Bank, fsb |
| 24 Racetrack Road, N.E.Fort Walton Beach, FL | No longer reported |
| 417-F Mary Esther BlvdFort Walton Beach, FL | No longer reported |
| 2090 U.S. Highway 98 WestMary Esther, FL | No longer reported |
| 1326 Ferdon Boulevard NorthCrestview, FL | No longer reported |
| 798 North Beal ParkwayFort Walton Beach, FL | No longer reported |
| 99 Eglin ParkwayFort Walton Beach, FL | No longer reported |
| 8656 Navarre ParkwayNavarre, FL | No longer reported |
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 16748 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.