FNBT BANK

FORT WALTON BEACH, FL | Medium | Est. April 9, 1956, midnight | FDIC #17580 | RSSD #697231 | FDIC
Latest Report: 2025-12-31

FNBT BANK is amn medium FDIC-insured commercial bank headquartered in FORT WALTON BEACH, FL, established in April 9, 1956, midnight. As of 2025-12-31, the bank reported total assets of $635M and total deposits of $566M. Profitability stands at 2.00% ROA and 18.31% ROE, with a net interest margin of 3.74%. The bank's CET1 capital ratio is 27.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #17580.

Assets

$635M

Deposits

$566M

Loans

$258M

Equity

$68M

Profitability

Return on Assets (ROA) 2.00%
Return on Equity (ROE) 18.31%
Net Interest Margin (NIM) 3.74%
Yield on Assets 5.57%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.42%

Capital & Liquidity

CET1 Ratio 27.14%
Tier 1 Capital 27.14%
Total Capital Ratio 28.39%
Leverage Ratio 10.99%
Loan-to-Deposit 45.68%

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