Bank Branches › Closed and merged banks › Louisiana › Cross Keys Bank
What happened to Cross Keys Bank?
Cross Keys Bank in Saint Joseph, LA (earlier called Bank of St. Joseph & Trust Co.) merged into Planters Bank & Trust Company of Indianola, MS on Jan 1, 2026. Planters 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.
- 1902Bank of St. Joseph & Trust Co. opens in Saint Joseph, LA
- Oct 16, 1989renamed Cross Keys Bank
- Jan 1, 2026MERGEDCross Keys Bank merged into Planters Bank & Trust Company of Indianola, MS.FDIC certificate 9322 ends; its business continues under certificate 8235.
- TodayOPEN
Planters Bank & Trust CompanyMain office Indianola, MS · FDIC certificate 8235 · 30 offices in 4 states on June 30, 2026Every Planters Bank & Trust Company office → Website on file with the FDIC: www.planters-bank.com
If you still have something from Cross Keys Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Cross Keys Bank as lienholder, start with Planters 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 Planters Bank & Trust Company to search for the account under the name Cross Keys 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 Planters Bank & Trust Company which branch now holds boxes from the Cross Keys 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
14 offices filed under this charter in some year from 1994 on. 9 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 1401 Hudson LnMonroe, LA | OpenPlanters Bank & Trust Company |
| 307 Plank RdSaint Joseph, LA | OpenPlanters Bank & Trust Company |
| 1913 Julia StRayville, LA | OpenPlanters Bank & Trust Company |
| 400 Mcmillan RdWest Monroe, LA | OpenPlanters Bank & Trust Company |
| 167 Keystone RdMonroe, LA | OpenPlanters Bank & Trust Company |
| 4855 Line AveShreveport, LA | OpenPlanters Bank & Trust Company |
| 115 N Chestnut StTallulah, LA | OpenPlanters Bank & Trust Company |
| 1837 Swan Lake RoadBossier City, LA | OpenPlanters Bank & Trust Company |
| 4801 Old Jacksonville HwyTyler, TX | OpenPlanters Bank & Trust Company |
| 8740 Quimper PlaceShreveport, LA | No longer reported |
| 5015 Shed Road, Suite 100Bossier City, LA | No longer reported |
| 275 Main StreetWaterproof, LA | No longer reported |
| 710 Highway 165 NorthMonroe, LA | No longer reported |
| Highways 65 and 4Newellton, LA | No longer reported |
Banks folded into Cross Keys Bank
2 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| The Sterlington BankSterlington, LA | Jul 13, 1989 |
| Tallulah State Bank & Trust CompanyTallulah, LA | Mar 27, 1987 |
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 9322 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.