Bank Branches › Closed and merged banks › Mississippi › SouthTrust Bank of South Mississippi
What happened to SouthTrust Bank of South Mississippi?
SouthTrust Bank of South Mississippi in Biloxi, MS (earlier called Jefferson State Bank and Trust and 1 other name) merged into SouthTrust Bank of Alabama, National Association of Birmingham, AL on Jun 2, 1997. After 2 more changes of hands, what was SouthTrust Bank of South Mississippi is today part of Wells Fargo Bank, National Association (Sioux Falls, SD).
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.
- 1977Jefferson State Bank and Trust opens in Biloxi, MS
- Mar 6, 1978renamed Jefferson Bank
- Sep 28, 1994renamed SouthTrust Bank of South Mississippi
- Jun 2, 1997MERGEDSouthTrust Bank of South Mississippi merged into SouthTrust Bank of Alabama, National Association of Birmingham, AL.FDIC certificate 22449 ends; its business continues under certificate 849.
- Jan 3, 2005MERGEDSouthTrust Bank of Alabama, National Association (by then renamed SouthTrust Bank) of Birmingham, AL merged into Wachovia Bank, National Association of Charlotte, NC.FDIC certificate 849 ends; its business continues under certificate 33869.
- Mar 20, 2010MERGEDWachovia Bank, National Association of Charlotte, NC merged into Wells Fargo Bank, National Association of Sioux Falls, SD.FDIC certificate 33869 ends; its business continues under certificate 3511.
- TodayOPEN
Wells Fargo Bank, National AssociationMain office Sioux Falls, SD · FDIC certificate 3511 · 4,157 offices in 40 states on June 30, 2026Every Wells Fargo Bank, National Association office → Website on file with the FDIC: www.wellsfargo.com
If you still have something from SouthTrust Bank of South Mississippi
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows SouthTrust Bank of South Mississippi as lienholder, start with Wells Fargo Bank, National Association. 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 Wells Fargo Bank, National Association to search for the account under the name SouthTrust Bank of South Mississippi. 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 Wells Fargo Bank, National Association which branch now holds boxes from the SouthTrust Bank of South Mississippi 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
7 offices filed under this charter in some year from 1994 on. 2 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 2675 Pass RdBiloxi, MS | OpenWells Fargo Bank, National Association |
| 1114 Jackson AvePascagoula, MS | OpenWells Fargo Bank, National Association |
| 854 Howard AvenueBiloxi, MS | No longer reported |
| Highway 67 and Seymour AvenueBiloxi, MS | No longer reported |
| 854 West Howard AvenueBiloxi, MS | No longer reported |
| 12000 Highway 57Vancleave, MS | No longer reported |
| 1001 Government StreetOcean Springs, MS | No longer reported |
Banks folded into SouthTrust Bank of South Mississippi
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Citizens National BankPascagoula, MS | May 24, 1995 |
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 22449 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.