Branch Network
FNBT Bank Locations & Branches Fort Walton Beach, Florida
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FNBT Bank operates 10 branches from its headquarters in Fort Walton Beach, FL, .
FNBT Bank branch network
All 10 branches are in FLORIDA, across 9 cities. Destin, FL has the most of its branches, 2. Its largest office by deposits is its main office in Fort Walton Beach, FL, with $351.5M (63.2% of its branch deposits). It had the same number of branches on June 30, 2025.
FNBT Bank at a glance
Its CET1 capital ratio was 30.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $628.5M
- CET1 ratio, Q2 2026
- 30.55%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1956
Full financial profile · Is FNBT Bank safe? · FNBT Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Fort Walton Beach, FL (1 branch) | 1 of 15 | 17.8% | $351.5M |
| State: FL (10 branches) | 82 of 186 | <0.1% | $555.9M |
Ranked by total assets among banks headquartered in the state: Largest banks in Florida.
Share by county and metro area
FNBT Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Okaloosa, FL (7 branches) | 5 of 22 | 9.0% | $474.8M | $5.25B |
| Walton, FL (2 branches) | 12 of 20 | 2.1% | $66.2M | $3.09B |
| Santa Rosa, FL (1 branch) | 12 of 12 | 0.8% | $14.9M | $1.86B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Crestview-Fort Walton Beach-Destin, FL (9 branches) | 4 of 28 | 6.5% | $541.0M | $8.34B |
| Pensacola-Ferry Pass-Brent, FL (1 branch) | 20 of 20 | 0.2% | $14.9M | $8.15B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 17580) · FFIEC NIC profile (RSSD 697231)