Bank Branches › Closed and merged banks › Texas › First Bank & Trust
What happened to First Bank & Trust?
First Bank & Trust in Seymour, TX (earlier called The First National Bank of Seymour) merged into Peoples Bank of Lubbock, TX on May 1, 2021. After 1 more change of hands, what was First Bank & Trust is today part of Cornerstone Capital Bank, SSB (Houston, TX).
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.
- 1890The First National Bank of Seymour opens in Seymour, TX
- Jun 1, 2013renamed First Bank & Trust
- May 1, 2021MERGEDFirst Bank & Trust merged into Peoples Bank of Lubbock, TX.FDIC certificate 5525 ends; its business continues under certificate 19788.
- Mar 1, 2026MERGEDPeoples Bank of Lubbock, TX merged into Cornerstone Capital Bank, SSB of Houston, TX.FDIC certificate 19788 ends; its business continues under certificate 1213.
- TodayOPEN
Cornerstone Capital Bank, SSBMain office Houston, TX · FDIC certificate 1213 · 16 offices in 1 state on June 30, 2026Every Cornerstone Capital Bank, SSB office → Website on file with the FDIC: www.cornerstonecapital.com
If you still have something from First Bank & Trust
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First Bank & Trust as lienholder, start with Cornerstone Capital Bank, SSB. 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 Cornerstone Capital Bank, SSB to search for the account under the name First Bank & 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 Cornerstone Capital Bank, SSB which branch now holds boxes from the First Bank & 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
8 offices filed under this charter in some year from 1994 on. 6 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 307 N Brazos StWhitney, TX | OpenCornerstone Capital Bank, SSB |
| 100 Cole StPrinceton, TX | OpenCornerstone Capital Bank, SSB |
| 201 N Washington StSeymour, TX | OpenCornerstone Capital Bank, SSB |
| 1025 Main StMatador, TX | OpenCentennial Bank |
| 221 S Main StreetWhite Deer, TX | OpenCentennial Bank |
| 621 W NoelMemphis, TX | OpenCentennial Bank |
| 100 Texas Highway 22Laguna Park, TX | No longer reported |
| 201 Main StTurkey, TX | No longer reported |
Banks folded into First Bank & Trust
4 banks merged directly into this charter; counting the banks those had absorbed earlier, 6 charters end up inside it.
| Bank | Ended |
|---|---|
| First BankWhitney, TX | Nov 15, 2014 |
| Citizens State BankPrinceton, TX | Nov 15, 2014 |
| Memphis State BankMemphis, TX | Nov 15, 2014 |
| First State Bank of MatadorMatador, TX | Jul 22, 2005 |
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 5525 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.