Bank Branches › Closed and merged banks › North Carolina › Entegra Bank
What happened to Entegra Bank?
Entegra Bank in Franklin, NC (earlier called Macon Savings and Loan Association and 4 other names) merged into First-Citizens Bank & Trust Company of Raleigh, NC on Dec 31, 2019. First-Citizens Bank & Trust Company 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.
- 1922Macon Savings and Loan Association opens in Franklin, NC
- Jan 19, 1990renamed Macon Savings Bank
- Jul 17, 1992renamed Macon Savings Bank, SSB
- Jan 1, 1997renamed Macon Savings Bank, Inc., SSB
- Mar 28, 2001renamed Macon Bank, Inc.
- Sep 30, 2015renamed Entegra Bank
- Dec 31, 2019MERGEDEntegra Bank merged into First-Citizens Bank & Trust Company of Raleigh, NC.FDIC certificate 31445 ends; its business continues under certificate 11063.
- TodayOPEN
First-Citizens Bank & Trust CompanyMain office Raleigh, NC · FDIC certificate 11063 · 518 offices in 23 states on June 30, 2026Every First-Citizens Bank & Trust Company office → Website on file with the FDIC: www.firstcitizens.com
If you still have something from Entegra Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Entegra Bank as lienholder, start with First-Citizens Bank & Trust Company. 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 First-Citizens Bank & Trust Company to search for the account under the name Entegra 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 First-Citizens Bank & Trust Company which branch now holds boxes from the Entegra 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
20 offices filed under this charter in some year from 1994 on. 10 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 50 W Main StFranklin, NC | OpenFirst-Citizens Bank & Trust Company |
| 160 W Mills StColumbus, NC | OpenFirst-Citizens Bank & Trust Company |
| 100 Mark Whitfield DrJasper, GA | OpenFirst-Citizens Bank & Trust Company |
| 500 US Highway 64 EastCashiers, NC | OpenFirst-Citizens Bank & Trust Company |
| 473 Carolina WayHighlands, NC | OpenFirst Bank |
| 498 E Main StSylva, NC | OpenFirst Bank |
| 2260 Asheville HwyBrevard,, NC | OpenFirst-Citizens Bank & Trust Company |
| 30 Hyatt RdFranklin, NC | OpenFirst Bank |
| 2045 S Main StWaynesville, NC | OpenFirst-Citizens Bank & Trust Company |
| 643 Ee Butler PkwyGainesville, GA | OpenFirst-Citizens Bank & Trust Company |
| 1449 W Church StreetJasper, GA | No longer reported |
| 602 N Main StAnderson, SC | No longer reported |
| 108 East MainSaluda, NC | No longer reported |
| 501 Roper Mountain RoadGreenville, SC | No longer reported |
| 12 Peachtree StMurphy, NC | No longer reported |
| 110 Alabama AvenueChesnee, SC | No longer reported |
| 1617 Spartenburg HighwayHendersonville, NC | No longer reported |
| 640 North Main StreetHendersonville, NC | No longer reported |
| 2349 Hendersonville RoadArden, NC | No longer reported |
| 210 Walmart Plaza Suite 1Sylva, NC | No longer reported |
Banks folded into Entegra Bank
2 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Chattahoochee Bank of GeorgiaGainesville, GA | Oct 1, 2017 |
| OldTown BankWaynesville, NC | Apr 1, 2016 |
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 31445 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.