Bank Branches › Closed and merged banks › Oklahoma › Citizens Bank
What happened to Citizens Bank?
Citizens Bank in Lawton, OK (earlier called Citizens National Bank of Lawton) merged into Local Federal Bank, F.S.B. of Oklahoma City, OK on Oct 9, 1998. After 1 more change of hands, what was Citizens Bank is today part of International Bank of Commerce (Laredo, TX).
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.
- 1975Citizens National Bank of Lawton opens in Lawton, OK
- Apr 3, 1978renamed Citizens Bank
- Oct 9, 1998MERGEDCitizens Bank merged into Local Federal Bank, F.S.B. of Oklahoma City, OK.FDIC certificate 22004 ends; its business continues under certificate 28542.
- Jun 19, 2004MERGEDLocal Federal Bank, F.S.B. (by then renamed Local Oklahoma Bank) of Oklahoma City, OK merged into International Bank of Commerce of Laredo, TX.FDIC certificate 28542 ends; its business continues under certificate 19629.
- TodayOPEN
International Bank of CommerceMain office Laredo, TX · FDIC certificate 19629 · 80 offices in 1 state on June 30, 2026Every International Bank of Commerce office → Website on file with the FDIC: www.ibc.com
If you still have something from Citizens Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Citizens Bank as lienholder, start with International Bank of Commerce. 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 International Bank of Commerce to search for the account under the name Citizens Bank. 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 International Bank of Commerce which branch now holds boxes from the Citizens Bank 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
6 offices filed under this charter in some year from 1994 on. 2 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 6425 Nw Cache RdLawton, OK | OpenInternational Bank of Commerce |
| 1461 24th Ave NwNorman, OK | OpenInternational Bank of Commerce |
| #10 Central MallLawton, OK | No longer reported |
| 1420 West Lee BoulevardLawton, OK | No longer reported |
| 2601 Northwest Cache RoadLawton, OK | No longer reported |
| 2304 E Gore BlvdLawton, OK | No longer reported |
Banks folded into Citizens Bank
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| First Commercial Bank, SSBLawton, OK | Nov 14, 1997 |
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 22004 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.