FNBT Bank
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Data as of · sourced from FFIEC call reports. How we update
FNBT Bank is an FDIC-insured commercial bank headquartered in Fort Walton Beach, FL, established in 1956 (FDIC certificate 17580), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $628.5M, up 3.0% from Q2 2025, the 41st largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 30.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17580
- Headquarters
- Fort Walton Beach, FL
- Established
- 1956
- Total assets, Q2 2026
- $628.5M
- Assets vs Q2 2025
- +3.0%
- CET1 ratio, Q2 2026
- 30.55%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 063206207
- Holding company
- SOUTHERN NATIONAL BANKS, INC.
- Asset rank in state
- 41st of 81 in Florida
FNBT Bank carries far more capital than most banks of its size. The Fort Walton Beach, Florida bank had $629 million in assets at June 30, 2026, up 3.0% from a year earlier. It holds common equity equal to 30.55% of its risk-weighted assets, about double the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter slipped 26% from a year earlier, to $2.3 million. Over the same year, loans shrank 7.5% and deposits grew 3.1%. Its margin is thin by comparison: it keeps 3.31 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, FNBT Bank reported a CET1 capital ratio of 30.55%, a return on assets of 1.46%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 81 banks headquartered in Florida, FNBT Bank is the 41st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.8% to $628.5M, loans fell 3.1% and deposits fell 4.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 40.8% of total loans, ahead of construction and land development loans at 20.9%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities in FL; its Fort Walton Beach office books 63% of its branch deposits. By the capital ratios in its Q2 2026 call report, FNBT Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 29 Eglin Pkwy Ne, Fort Walton Beach, FL 32548
- County
- Okaloosa
- Metro Area
- Crestview-Fort Walton Beach-Destin, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 9, 1956
- Former names
- FNBT.COM Bank (2009-2015); First National Bank and Trust (1985-2009); First National Bank of Okaloosa County (1977-1985); First National Bank of Fort Walton Beach (1977)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 73
- Domestic deposits
- $555.9M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- -$102K
- Average total assets
- $638.5M
- Average total loans
- $245.0M
- Average interest-bearing deposits
- $426.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 9, 1956
- FDIC Cert
- 17580
- Fed RSSD
- 697231
- Website
- http://www.FNBT.com →
- Parent Holding Company
- SOUTHERN NATIONAL BANKS, INC. (RSSD 1129823)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, FNBT Bank's total assets ranged from $566.4M (Q3 2023) to $653.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$628.5M total assets against $610.1M; $557.7M total liabilities against $542.2M.
$239.2M net loans and leases against $258.5M; $555.9M total deposits against $539.2M.
$106.5M securities against $158.4M; $269.8M cash and balances due against $178.4M.
$7.6M total interest income against $8.0M; $2.6M total interest expense against $2.7M.
$5.0M net interest income against $5.4M.
$898K total noninterest income against $1.3M; $3.6M total noninterest expense against $3.7M.
$13K provision for credit losses against -$201K.
$2.3M net income against $3.1M.
1.46% return on assets against 2.08%; 3.31% net interest margin against 3.63%.
30.55% CET1 capital ratio against 26.06%; 11.08% tier 1 leverage ratio against 11.25%.
Inside the full FNBT Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFNBT Bank rankings
Its closest position to the top of a national ranking is 72 of 2,134, for CET1 ratio; its furthest is 3,394 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.46% (Q2 2026) to 2.56% (Q3 2024) and its net interest margin ran from 3.26% (Q1 2026) to 4.12% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 30.55% | 1.46% | 0.00% | 0.00% | 3.31% |
| Q1 2026 | 28.12% | 1.56% | 0.01% | 0.02% | 3.26% |
| Q4 2025 | 27.14% | 2.03% | 0.00% | 0.00% | 3.56% |
| Q3 2025 | 26.38% | 1.91% | 0.00% | 0.00% | 3.59% |
| Q2 2025 | 26.06% | 2.08% | 0.01% | 0.03% | 3.63% |
| Q1 2025 | 25.11% | 2.20% | 0.01% | 0.03% | 3.66% |
| Q4 2024 | 24.25% | 2.37% | 0.01% | 0.03% | 3.85% |
| Q3 2024 | 24.43% | 2.56% | 0.01% | 0.04% | 4.12% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| FNBT Bank (main office) | Fort Walton Beach , FL | 32548 | $351.5M |
| Defuniak Springs Branch | De Funiak Springs , FL | 32433 | $56.5M |
| Destin Branch | Destin , FL | 32541 | $36.9M |
| Shalimar Branch | Shalimar , FL | 32579 | $35.2M |
| Mary Esther Branch | Mary Esther , FL | 32569 | $18.8M |
| Crestview Branch | Crestview , FL | 32536 | $16.2M |
| Navarre Branch | Navarre , FL | 32566 | $14.9M |
| Niceville Branch | Niceville , FL | 32578 | $10.3M |
| Highway 98 West Branch | Destin , FL | 32550 | $9.7M |
| Hulburt Field Branch | Hurlburt Field , FL | 32544 | $5.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 82 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $254K approved, $127K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about FNBT Bank
What are FNBT Bank's total assets?
As of the Q2 2026 filing, FNBT Bank reported total assets of $628.5 million in its FFIEC call report.
Where is FNBT Bank headquartered?
It is headquartered in Fort Walton Beach, FL, United States.
When was FNBT Bank founded?
It was established in 1956, per the FDIC institution directory.
Is FNBT Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17580). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNBT Bank?
FNBT Bank's primary federal regulator is the FDIC.
What is FNBT Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 30.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does FNBT Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FNBT Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was FNBT Bank previously called?
The charter now named FNBT Bank has also operated as FNBT.COM Bank (2009-2015), First National Bank and Trust (1985-2009), First National Bank of Okaloosa County (1977-1985), First National Bank of Fort Walton Beach (1977), per FDIC structure-change records.
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