Bank Branches › Closed and merged banks › North Carolina › Southern National Bank of North Carolina
What happened to Southern National Bank of North Carolina?
Southern National Bank of North Carolina in Lumberton, NC merged into Branch Banking and Trust Company of Charlotte, NC on May 27, 1995. That bank is now called Truist Bank (Charlotte, NC).
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.
- 1897Southern National Bank of North Carolina opens in Lumberton, NC
- May 27, 1995MERGEDSouthern National Bank of North Carolina merged into Branch Banking and Trust Company of Charlotte, NC.FDIC certificate 4899 ends; its business continues under certificate 9846.
- TodayOPEN
Truist BankMain office Charlotte, NC · FDIC certificate 9846 · 1,928 offices in 18 states on June 30, 2026Every Truist Bank office → Website on file with the FDIC: www.Truist.com
If you still have something from Southern National Bank of North Carolina
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Southern National Bank of North Carolina as lienholder, start with Truist 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 Truist Bank to search for the account under the name Southern National Bank of North Carolina. 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 Truist Bank which branch now holds boxes from the Southern National Bank of North Carolina 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
150 offices filed under this charter in some year from 1994 on. 52 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 110 S Stratford Rd Fl 1Winston Salem, NC | OpenTruist Bank |
| 200 Pine St WWilson, NC | OpenTruist Bank |
| 106 2nd St NwHickory, NC | OpenTruist Bank |
| 2040 S Church St, Ste 100Burlington, NC | OpenTruist Bank |
| 1405 N Main StFuquay Varina, NC | OpenTruist Bank |
| 971 Blowing Rock RdBoone, NC | OpenTruist Bank |
| 500 E Broad StStatesville, NC | OpenTruist Bank |
| 500 N Pine StLumberton, NC | OpenTruist Bank |
| 200 Sw Broad StSouthern Pines, NC | OpenTruist Bank |
| 541 N Main StMount Airy, NC | OpenTruist Bank |
| 200 N Horner BlvdSanford, NC | OpenTruist Bank |
| 3034 Boone Trail ExtFayetteville, NC | OpenTruist Bank |
| 606 College RdGreensboro, NC | OpenTruist Bank |
| 501 Warsaw RdClinton, NC | OpenTruist Bank |
| 154 Hillsboro StOxford, NC | OpenTruist Bank |
| 3000 Duraleigh RdRaleigh, NC | OpenTruist Bank |
| 1920 N Center StHickory, NC | OpenTruist Bank |
| 2629 Lewisville Clemmons RdClemmons, NC | OpenTruist Bank |
| 300 Rowan StFayetteville, NC | OpenTruist Bank |
| 201 Mulberry St SwLenoir, NC | OpenTruist Bank |
| 301 Vandora Springs RdGarner, NC | OpenTruist Bank |
| 237 E Mountain StKernersville, NC | OpenTruist Bank |
| 2815 Reynolda RdWinston Salem, NC | OpenTruist Bank |
| 632 Dabney DrHenderson, NC | OpenTruist Bank |
| 11508 U.S. Highway 70 WestClayton, NC | OpenTruist Bank |
| 3618 N Main StHope Mills, NC | OpenTruist Bank |
| 111 E Caswell StWadesboro, NC | OpenTruist Bank |
| 900 River StWilkesboro, NC | OpenTruist Bank |
| 1001 E Church StCherryville, NC | OpenTruist Bank |
| 183 Wagner StTroutman, NC | OpenTruist Bank |
| 173 S Main StSparta, NC | OpenTruist Bank |
| 680 S Van Buren RdEden, NC | OpenTruist Bank |
| 601 S Main StKing, NC | OpenTruist Bank |
| 2727 S Nc 127 HwyHickory, NC | OpenTruist Bank |
| 2700 N Elm StLumberton, NC | OpenTruist Bank |
| 2710 Peters Creek PkwyWinston Salem, NC | OpenTruist Bank |
| 104 W Washington StRockingham, NC | OpenPNC Bank, National Association |
| 400 S Main StLaurinburg, NC | OpenTruist Bank |
| 1109 Highway StMadison, NC | OpenTruist Bank |
| 121 Jonestown RdWinston Salem, NC | OpenTruist Bank |
Banks folded into Southern National Bank of North Carolina
18 banks merged directly into this charter; counting the banks those had absorbed earlier, 24 charters end up inside it.
| Bank | Ended |
|---|---|
| Davidson Savings Bank, Inc., SSBLexington, NC | Mar 28, 1994 |
| First Savings Bank, Inc., SSBHickory, NC | Mar 28, 1994 |
| Home Federal Savings BankStatesville, NC | Feb 24, 1994 |
| East Coast Savings Bank, SSBGoldsboro, NC | Oct 7, 1993 |
| First Federal Savings BankWinston-Salem, NC | Jan 29, 1993 |
| First Security Federal Savings BankPinehurst, NC | May 22, 1992 |
| Workmens Federal Savings BankMount Airy, NC | Mar 20, 1992 |
| Preferred Savings Bank, F.S.B.High Point, NC | Sep 27, 1991 |
| Southeastern Federal Savings BankCharlotte, NC | Sep 20, 1991 |
| American Bank and Trust CompanyHigh Point, NC | Oct 31, 1989 |
| The Union National Bank of OxfordOxford, NC | Oct 30, 1987 |
| The First National Bank of Anson County, WadesboroWadesboro, NC | Mar 31, 1984 |
| Cherryville National BankCherryville, NC | Mar 31, 1984 |
| Community Bank of CarolinaGreensboro, NC | Mar 30, 1984 |
| Forsyth Bank and Trust CompanyWinston-Salem, NC | Mar 30, 1982 |
| Carolina State BankGastonia, NC | Sep 30, 1979 |
| Lafayette Bank & Trust Co.Fayetteville, NC | Apr 1, 1977 |
| Bank of CharlotteCharlotte, NC | Aug 1, 1970 |
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 4899 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.