BanksFNBT BANK

FNBT BANK

FORT WALTON BEACH, FLMediumEst. April 9, 1956, midnightFDIC #17580RSSD #697231FDIC
Latest · 2025-12-31

FNBT BANK is an 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 3.59%. CET1 capital ratio: 27.14%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 10 domestic branches.

Assets
$635M
Deposits
$566M
Loans
$258M
Equity
$68M

Profitability

Return on Assets (ROA)2.00%
Return on Equity (ROE)18.31%
Net Interest Margin3.59%
Yield on Assets5.35%
Cost of Funds1.90%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio-0.05%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.42%

Capital & Liquidity

CET1 Ratio27.14%
Tier 1 Capital27.14%
Total Capital Ratio28.39%
Leverage Ratio10.99%
Loan-to-Deposit45.68%

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