Bank Branches › Closed and merged banks › North Carolina › Southern Community Bank and Trust
What happened to Southern Community Bank and Trust?
Southern Community Bank and Trust in Winston Salem, NC merged into Capital Bank, National Association of Raleigh, NC on Oct 11, 2012. After 1 more change of hands, what was Southern Community Bank and Trust is today part of First Horizon Bank (Memphis, TN).
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.
- 1996Southern Community Bank and Trust opens in Winston Salem, NC
- Oct 11, 2012MERGEDSouthern Community Bank and Trust merged into Capital Bank, National Association of Raleigh, NC.FDIC certificate 34321 ends; its business continues under certificate 59049.
- Nov 30, 2017MERGEDCapital Bank, National Association (by then renamed Capital Bank Corporation) of Raleigh, NC merged into First Tennessee Bank, National Association of Memphis, TN.FDIC certificate 59049 ends; its business continues under certificate 4977.
- TodayOPEN
First Horizon BankMain office Memphis, TN · FDIC certificate 4977 · 406 offices in 12 states on June 30, 2026Every First Horizon Bank office → Website on file with the FDIC: www.firsthorizon.com
If you still have something from Southern Community Bank and Trust
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Southern Community Bank and Trust as lienholder, start with First Horizon Bank. 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 Horizon Bank to search for the account under the name Southern Community Bank and Trust. 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 Horizon Bank which branch now holds boxes from the Southern Community Bank and Trust 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
25 offices filed under this charter in some year from 1994 on. 14 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 3100 Edwards Mill RdRaleigh, NC | OpenFirst Horizon Bank |
| 500 S Stratford RdWinston Salem, NC | OpenFirst Horizon Bank |
| 1505 Highwoods BlvdGreensboro, NC | OpenFirst Horizon Bank |
| 1751 Hendersonville RdAsheville, NC | OpenFirst Horizon Bank |
| 1439 W Memorial HwyHarmony, NC | OpenFirst Horizon Bank |
| 4701 Country Club RdWinston Salem, NC | OpenFirst Horizon Bank |
| 616 S Key StPilot Mountain, NC | OpenFirst Horizon Bank |
| 255 E Independence BlvdMount Airy, NC | OpenFirst Horizon Bank |
| 210 Knob Hill RdMooresville, NC | OpenFirst Horizon Bank |
| 225 E Hanes Mill RdWinston Salem, NC | OpenFirst Horizon Bank |
| 105 Post Office StKing, NC | OpenFirst Horizon Bank |
| 2541 Eastchester DrHigh Point, NC | OpenFirst Horizon Bank |
| 6290 Towncenter DrClemmons, NC | OpenFirst Horizon Bank |
| 3151 Peters Creek PkwyWinston Salem, NC | OpenFirst Horizon Bank |
| 1207 South Main StreetKernersville, NC | No longer reported |
| 503 Winston RoadJonesville, NC | No longer reported |
| 532 East Main StreetYadkinville, NC | No longer reported |
| 201 West Kapp StreetDobson, NC | No longer reported |
| 2010 Community DriveMount Airy, NC | No longer reported |
| 4928 Highway 704 WestSandy Ridge, NC | No longer reported |
| 1072 North Main StreetWalnut Cove, NC | No longer reported |
| 619 Ayersville RoadMadison, NC | No longer reported |
| 2755 Lewisville-Clemmons RoaClemmons, NC | No longer reported |
| 104 Harmon LaneKernersville, NC | No longer reported |
| 532 East Main StreetYadkinville, NC | No longer reported |
Banks folded into Southern Community Bank and Trust
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| The Community BankPilot Mountain, NC | Oct 18, 2004 |
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 34321 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.