Bank Branches › Closed and merged banks › Texas › Franklin Bank, S.S.B.
What happened to Franklin Bank, S.S.B.?
Franklin Bank, S.S.B. in Houston, TX (earlier called Bowie State Bank) failed, and Prosperity Bank of El Campo, TX took it over on Nov 7, 2008. Prosperity Bank 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.
- 1987Bowie State Bank opens in Houston, TX
- Feb 27, 1998renamed Franklin Bank, S.S.B.
- Nov 7, 2008FAILEDFranklin Bank, S.S.B. failed, and Prosperity Bank of El Campo, TX took it over.FDIC certificate 26870 ends; its business continues under certificate 16835.
- TodayOPEN
Prosperity BankMain office El Campo, TX · FDIC certificate 16835 · 344 offices in 2 states on June 30, 2026Every Prosperity Bank office → Website on file with the FDIC: www.prosperitybankusa.com
If you still have something from Franklin Bank, S.S.B.
A lien that was never released
Franklin Bank, S.S.B. failed on Nov 7, 2008. 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 Prosperity Bank, 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, Prosperity Bank). Start with Prosperity Bank, and ask them to search under the name Franklin Bank, S.S.B..
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 Prosperity Bank. 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
51 offices filed under this charter in some year from 1994 on. 30 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 2807 S Texas AveBryan, TX | OpenProsperity Bank |
| 101 N Prairieville StAthens, TX | OpenProsperity Bank |
| 31 N Main StElgin, TX | OpenProsperity Bank |
| 1862 Rock Prairie RdCollege Station, TX | OpenProsperity Bank |
| 1015 N Church StPalestine, TX | OpenProsperity Bank |
| 3333 University Dr EBryan, TX | OpenProsperity Bank |
| 2829 Bee Caves RdAustin, TX | OpenProsperity Bank |
| 3301 Northland DrAustin, TX | OpenProsperity Bank |
| 1801 W Ranch Road 1431Kingsland, TX | OpenProsperity Bank |
| 201 N Gun Barrel LnGun Barrel City, TX | OpenProsperity Bank |
| 406 Main StSmithville, TX | OpenProsperity Bank |
| 220 E Cedar Creek PkwySeven Points, TX | OpenProsperity Bank |
| 898 W Dallas StCanton, TX | OpenProsperity Bank |
| 121 S Market StCarthage, TX | OpenProsperity Bank |
| 499 Highway 71 WBastrop, TX | OpenProsperity Bank |
| 3011 Williams Dr, Ste 100Georgetown, TX | OpenProsperity Bank |
| 203 Neches StJacksonville, TX | OpenProsperity Bank |
| 721 W Highway 290, Unit 100Dripping Springs, TX | OpenProsperity Bank |
| 2507 University BlvdTyler, TX | OpenProsperity Bank |
| 1218 W Loop 281Longview, TX | OpenProsperity Bank |
| 6150 Eastex FwyBeaumont, TX | OpenProsperity Bank |
| 213 Us Highway 175 WEustace, TX | OpenProsperity Bank |
| 1101 Nw 2nd StKerens, TX | OpenProsperity Bank |
| 607 S Main StWinnsboro, TX | OpenProsperity Bank |
| 3434 Twin City HwyGroves, TX | OpenProsperity Bank |
| 1022 Nederland AveNederland, TX | OpenProsperity Bank |
| 539 West I 30Mount Vernon, TX | OpenProsperity Bank |
| 147 E 4th StRusk, TX | OpenProsperity Bank |
| 106 Roy Rivers RdElgin, TX | OpenProsperity Bank |
| 617 S Palestine StAthens, TX | OpenProsperity Bank |
| 109 Cypress Creek RoadCedar Park, TX | No longer reported |
| 3705 N. Main Street, Suite 100Taylor, TX | No longer reported |
| 201 W. JacksonEl Campo, TX | No longer reported |
| 104 W Caney StWharton, TX | No longer reported |
| 1716 W Main StreetGun Barrel City, TX | No longer reported |
| Highway 274 SouthTool, TX | No longer reported |
| 9800 Richmond Avenue, Suite 680Houston, TX | No longer reported |
| 4803 Old Bullard RoadTyler, TX | No longer reported |
| 710 William D. Fitch Pkwy (Hwy 40)College Station, TX | No longer reported |
| 3400 East Highway 21Bryan, TX | No longer reported |
Banks folded into Franklin Bank, S.S.B.
8 banks merged directly into this charter; counting the banks those had absorbed earlier, 12 charters end up inside it.
| Bank | Ended |
|---|---|
| The First National Bank of BryanBryan, TX | May 8, 2007 |
| Elgin Bank of TexasElgin, TX | Jul 15, 2005 |
| The First National Bank of AthensAthens, TX | May 9, 2005 |
| Cedar Creek BankSeven Points, TX | Dec 4, 2004 |
| Lost Pines National BankSmithville, TX | Feb 29, 2004 |
| Jacksonville Savings Bank, SSBJacksonville, TX | Dec 30, 2003 |
| Highland Lakes BankKingsland, TX | May 1, 2003 |
| Bowie National BankBowie, TX | Jan 8, 1987 |
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 26870 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.