Bank Branches › Closed and merged banks › North Carolina › Citizens South Bank
What happened to Citizens South Bank?
Citizens South Bank in Gastonia, NC (earlier called Gaston Federal Savings and Loan Association and 1 other name) merged into Park Sterling Bank of Charlotte, NC on Oct 10, 2012. After 2 more changes of hands, what was Citizens South Bank is today part of SouthState Bank, National Association (Winter Haven, FL).
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.
- 1904Gaston Federal Savings and Loan Association opens in Gastonia, NC
- Apr 9, 1998renamed Gaston Federal Bank
- Mar 11, 2002renamed Citizens South Bank
- Oct 10, 2012MERGEDCitizens South Bank merged into Park Sterling Bank of Charlotte, NC.FDIC certificate 28833 ends; its business continues under certificate 58408.
- Nov 30, 2017MERGEDPark Sterling Bank of Charlotte, NC merged into South State Bank of Columbia, SC.FDIC certificate 58408 ends; its business continues under certificate 13425.
- Jun 8, 2020MERGEDSouth State Bank of Columbia, SC merged into CenterState Bank, National Association of Winter Haven, FL.FDIC certificate 13425 ends; its business continues under certificate 33555.
- TodayOPEN
SouthState Bank, National AssociationMain office Winter Haven, FL · FDIC certificate 33555 · 349 offices in 8 states on June 30, 2026Every SouthState Bank, National Association office → Website on file with the FDIC: www.southstatebank.com
If you still have something from Citizens South Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Citizens South Bank as lienholder, start with SouthState 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 SouthState Bank, National Association to search for the account under the name Citizens South 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 SouthState Bank, National Association which branch now holds boxes from the Citizens South 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
31 offices filed under this charter in some year from 1994 on. 14 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 519 S New Hope RdGastonia, NC | OpenSouthState Bank, National Association |
| 20 S Main StHiawassee, GA | OpenSouthState Bank, National Association |
| 220 Orvin Lance ConnectorBlue Ridge, GA | OpenSouthState Bank, National Association |
| 458 Highway 515 EBlairsville, GA | OpenSouthState Bank, National Association |
| 649 Brawley School RdMooresville, NC | OpenSouthState Bank, National Association |
| 106 W Main StRockwell, NC | OpenSouthState Bank, National Association |
| 401 W Innes StSalisbury, NC | OpenSouthState Bank, National Association |
| 412 S Highway 27Stanley, NC | OpenSouthState Bank, National Association |
| 3135 Dallas High Shoal HwyDallas, NC | OpenSouthState Bank, National Association |
| 192 E Woodrow AveBelmont, NC | OpenSouthState Bank, National Association |
| 2742 W Roosevelt BlvdMonroe, NC | OpenSouthState Bank, National Association |
| 233 S Main StMount Holly, NC | OpenSouthState Bank, National Association |
| 13731 Providence RdWeddington, NC | OpenSouthState Bank, National Association |
| 13816 E Independence BlvdIndian Trail, NC | OpenSouthState Bank, National Association |
| 5935 Carnegie Blvd., Suite 104Charlotte, NC | No longer reported |
| 693 Main StreetYoung Harris, GA | No longer reported |
| 1670 Neal Hawkins RoadGastonia, NC | No longer reported |
| 245 W. Main AvenueGastonia, NC | No longer reported |
| 307 North Center StreetStatesville, NC | No longer reported |
| 2215 India Hook RoadRock Hill, SC | No longer reported |
| 489 Highland XingEast Ellijay, GA | No longer reported |
| 401 West Innes StreetSalisbury, NC | No longer reported |
| 94 North Main StreetHiawassee, GA | No longer reported |
| 1670 Neal Hawkins RdGastonia, NC | No longer reported |
| 519 South New Hope RoadGastonia, NC | No longer reported |
| 307 North Center StreetStatesville, NC | No longer reported |
| 301 West Franklin StreetMonroe, NC | No longer reported |
| 10 Highway 515Blairsville, GA | No longer reported |
| 101 Stallings RoadStallings, NC | No longer reported |
| 2609 South New Hope Road - SGastonia, NC | No longer reported |
| 1535 Burtonwood DrGastonia, NC | No longer reported |
Banks folded into Citizens South Bank
5 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| New Horizons BankEast Ellijay, GA | Apr 15, 2011 |
| Bank of HiawasseeHiawassee, GA | Mar 19, 2010 |
| Trinity BankMonroe, NC | Oct 31, 2005 |
| Citizens Bank, Inc.Salisbury, NC | Dec 31, 2001 |
| Mount Holly Federal Savings and Loan AssociationMount Holly, NC | May 31, 1982 |
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 28833 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.