What is FNBT BANK's financial health grade?

FNBT BANK has a TFS Financial Health Grade of C (score: 75.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does FNBT BANK have?

FNBT BANK has 11 branch locations across the United States.

Is FNBT BANK FDIC insured?

Yes, FNBT BANK is FDIC insured (Certificate #17580).

What are the total assets of FNBT BANK?

FNBT BANK has total assets of $635.4M as reported in its most recent FDIC filing.

FNBT BANK

BankFort Walton Beach, Florida

http://www.FNBT.com

Total Assets

$635.4M

Total Deposits

$565.8M

Branches

Established

1956

TFS Health Grade

75.5 / 100

Average financial health

How we grade

FNBT BANK is a bank headquartered in Fort Walton Beach, Florida, established in 1956. With $635.4M in total assets and 11 branch locations, it has a TFS Financial Health Grade of C (75.5/100).

Capital & Safety

Tier 1 Capital Ratio

10.99%(8%)

Total Capital Ratio

28.39%(10%)

Non-Performing Loan Ratio

0.00%

Profitability

Return on Assets (ROA)

2.04%(1%)

Return on Equity (ROE)

18.56%(10%)

Net Interest Margin

3.61%

Efficiency Ratio

55.47%(60%)

Lending & Liquidity

Total Loans

$258.5M

Loan-to-Deposit Ratio

45.03%

Net Charge-Off Ratio

-0.03%

Growth

Asset Growth (YoY)

+5.95%

Deposit Growth (YoY)

+6.07%

Net Income

$12.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
FNBT BANKHQ	29 Eglin Pkwy Ne	Fort Walton Beach	FL	11
FNBT BANK	885 S Ferdon Blvd	Crestview	FL	11
FNBT BANK	11 State Highway 83	De Funiak Springs	FL	11
FNBT BANK	11490 Us Highway 98 W	Destin	FL	11
FNBT BANK	415 Highway 98 E	Destin	FL	11
FNBT BANK	29 Eglin Pkwy Ne	Fort Walton Beach	FL	25
FNBT BANK	108 Lielmanis Ave	Hurlburt Field	FL	22
FNBT BANK	3 Mary Esther Cutoff	Mary Esther	FL	11
FNBT BANK	1803 Alhambra St	Navarre	FL	11
FNBT BANK	1065 John Sims Pkwy E	Niceville	FL	11
FNBT BANK	1104 N Eglin Pkwy	Shalimar	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.