Bank Branches › Closed and merged banks › Texas › Kirby State Bank
What happened to Kirby State Bank?
Kirby State Bank in Kirby, TX failed, and Schertz Bank & Trust of Schertz, TX took it over on Sep 14, 1989. Schertz Bank & Trust 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.
- 1973Kirby State Bank opens in Kirby, TX
- Sep 14, 1989FAILEDKirby State Bank failed, and Schertz Bank & Trust of Schertz, TX took it over.FDIC certificate 21186 ends; its business continues under certificate 10344.
- TodayOPEN
Schertz Bank & TrustMain office Schertz, TX · FDIC certificate 10344 · 6 offices in 1 state on June 30, 2026Every Schertz Bank & Trust office → Website on file with the FDIC: www.schertzbank.com
If you still have something from Kirby State Bank
A lien that was never released
Kirby State Bank failed on Sep 14, 1989. 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 Schertz Bank & Trust, 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, Schertz Bank & Trust). Start with Schertz Bank & Trust, and ask them to search under the name Kirby State Bank.
This failure is older than the current federal rule on unclaimed deposits (mid-1993), so different rules apply. Search FDIC unclaimed funds search, search the unclaimed-property program of the state of the owner's last known address on the bank's records, and ask FDIC Resolution Inquiries at 888-206-4662 what applies to this institution.
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 Schertz Bank & Trust. 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.
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 21186 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.