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.
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