Bank Branches › Closed and merged banks › Maryland › Citizens Bank of Maryland
What happened to Citizens Bank of Maryland?
Citizens Bank of Maryland in Laurel, MD (earlier called Citizens Bank and Trust Company of Maryland) merged into Crestar Bank of Richmond, VA on Mar 14, 1997. After 2 more changes of hands, what was Citizens Bank of Maryland is today part of 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.
- 1928Citizens Bank and Trust Company of Maryland opens in Laurel, MD
- Jul 1, 1989renamed Citizens Bank of Maryland
- Mar 14, 1997MERGEDCitizens Bank of Maryland merged into Crestar Bank of Richmond, VA.FDIC certificate 9702 ends; its business continues under certificate 12543.
- Jan 1, 2000MERGEDCrestar Bank of Richmond, VA merged into SunTrust Bank of Atlanta, GA.FDIC certificate 12543 ends; its business continues under certificate 867.
- Dec 7, 2019MERGEDSunTrust Bank of Atlanta, GA merged into Branch Banking and Trust Company of Charlotte, NC.FDIC certificate 867 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 Citizens Bank of Maryland
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Citizens Bank of Maryland 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 Citizens Bank of Maryland. 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 Citizens Bank of Maryland 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
118 offices filed under this charter in some year from 1994 on. 24 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 3070 Leonardtown RdWaldorf, MD | OpenTruist Bank |
| 12052 Cherry Hill RdSilver Spring, MD | OpenTruist Bank |
| 5600 Greenbelt RdCollege Park, MD | OpenTruist Bank |
| 1800 Rockville PikeRockville, MD | OpenTruist Bank |
| 597 Solomons Island Rd NPrince Frederick, MD | OpenTruist Bank |
| 6106 Laurel Bowie RdBowie, MD | OpenTruist Bank |
| 9411 Annapolis RdLanham, MD | OpenTruist Bank |
| 7788 Riverdale RdNew Carrollton, MD | OpenTruist Bank |
| 19130 Montgomery Village AveMontgomery Village, MD | OpenTruist Bank |
| 1371 Lamberton DrSilver Spring, MD | OpenTruist Bank |
| 29946 Three Notch RdCharlotte Hall, MD | OpenTruist Bank |
| 7620 S Osborne RdUpper Marlboro, MD | OpenTruist Bank |
| 8551 Connecticut AveChevy Chase, MD | OpenTruist Bank |
| 5418 Wisconsin AveChevy Chase, MD | OpenTruist Bank |
| 24 Watkins Park DrUpper Marlboro, MD | OpenTruist Bank |
| 627 York RdTowson, MD | OpenTruist Bank |
| 18110 Village Mart DrOlney, MD | OpenTruist Bank |
| 6931 Laurel AveTakoma Park, MD | OpenTruist Bank |
| 41 Audrey LnOxon Hill, MD | OpenTruist Bank |
| 1900 Queens Chapel RdHyattsville, MD | OpenTruist Bank |
| 11323 Fingerboard RdMonrovia, MD | OpenTruist Bank |
| 12325 Georgia AveSilver Spring, MD | OpenTruist Bank |
| 15924 Crain HwyBrandywine, MD | OpenTruist Bank |
| 4805 Annapolis RdBladensburg, MD | OpenTruist Bank |
| 3901 National DrBurtonsville, MD | No longer reported |
| 9916 Main StreetDamascus, MD | No longer reported |
| 7535 Old Georgetown RdBethesda, MD | No longer reported |
| 1286 East West HighwaySilver Spring, MD | No longer reported |
| 78 Bureau DriveGaithersburg, MD | No longer reported |
| 2433 Wooton ParkwayRockville, MD | No longer reported |
| 11201 Viers Mill RdWheaton, MD | No longer reported |
| 5274 Randolph RoadRockville, MD | No longer reported |
| 7315 Wisconsin AvenueBethesda, MD | No longer reported |
| 2279 Bel Pre RoadSilver Spring, MD | No longer reported |
| 6410 Rockledge DriveBethesda, MD | No longer reported |
| 6835 Olney-Laytonsville RoadLaytonsville, MD | No longer reported |
| Rockville-Norbeck Road & Bauer DriveRockville, MD | No longer reported |
| 23400 Frederick RoadClarksburg, MD | No longer reported |
| 5110 Ridgefield RoadBethesda, MD | No longer reported |
| 16268 South Frederick RoadGaithersburg, MD | No longer reported |
Banks folded into Citizens Bank of Maryland
9 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Citizens Bank of VirginiaVienna, VA | Jun 1, 1996 |
| The Bank of DamascusDamascus, MD | Feb 1, 1987 |
| The Central National Bank of MarylandHillandale, MD | Mar 21, 1986 |
| Peoples Security Bank of MarylandLandover, MD | Mar 16, 1984 |
| Kennedy Bank and Trust CompanyBethesda, MD | Dec 17, 1982 |
| The Bank of BrandywineBrandywine, MD | Mar 19, 1982 |
| Century National BankChevy Chase, MD | Mar 13, 1981 |
| Chevy Chase Bank and Trust CompanyChevy Chase, MD | Sep 24, 1977 |
| The Waldorf BankWaldorf, MD | Sep 8, 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 9702 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.