Bank call report · Fort Walton Beach, FL
FNBT Bank Call Report
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FNBT Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 259 reported line items, schedule by schedule (806 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 697231 |
| FDIC certificate number | 17580 |
| Total assets | $628.5M |
Official Q2 2026 call report PDF (FFIEC) →
FNBT Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (21 items)
About Schedule RC · FNBT Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $628.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $628.5M |
| Total Liabilities and Minority Interest | RCON2948 | $557.7M |
| Total Deposits | RCON2200 | $555.9M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $416.7M |
| Interest-bearing Balances | RCON0071 | $266.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $242.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $239.2M |
| Deposits: Noninterest-bearing | RCON6631 | $139.3M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $106.5M |
| Held-to-maturity Securities, Total | RCON1754 | $106.5M |
| Total Equity Capital | RCON3210 | $70.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $70.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $68.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $9.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.7M |
| Other Assets | RCON2160 | $3.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.0M |
| Other Liabilities, Total | RCON2930 | $1.8M |
| Common Stock | RCON3230 | $1.4M |
| Surplus | RCON3839 | $1.4M |
Schedule RI: Income Statement (33 items)
About Schedule RI · FNBT Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $15.2M |
| Net Interest Income | RIAD4074 | $10.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $8.1M |
| Total Noninterest Expense | RIAD4093 | $7.2M |
| Total Interest Expense | RIAD4073 | $5.1M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $5.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.8M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $4.8M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.8M |
| Net Income (Loss) | RIAD4340 | $4.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $4.8M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $4.3M |
| Salaries and Employee Benefits | RIAD4135 | $4.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.4M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $3.1M |
| Other Noninterest Expense | RIAD4092 | $2.4M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $2.2M |
| Total Noninterest Income | RIAD4079 | $1.9M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.7M |
| Other Noninterest Income | RIADB497 | $1.7M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $467K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $239K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $209K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $206K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $108K |
| Provision for Loan and Lease Losses | RIAD4230 | -$68K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$52K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $42K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $38K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $35K |
| Other Interest Income | RIAD4518 | $14K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $12K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 73 |
Schedule RC-B: Securities (10 items)
About Schedule RC-B · FNBT Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $105.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $71.5M |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $59.8M |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $59.6M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $46.6M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $46.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $20.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $20.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $15.0M |
| Pledged Securities | RCON0416 | $10.0M |
Schedule RC-C, Part I: Loans and Leases (30 items)
About Schedule RC-C, Part I · FNBT Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $242.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $108.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $68.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $63.1M |
| Pledged Loans and Leases | RCONG378 | $46.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $40.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $35.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $34.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $30.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $28.4M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $28.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $21.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $20.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $18.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $18.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $17.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $15.3M |
| Commercial and Industrial Loans | RCON1766 | $6.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $5.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $3.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $3.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $2.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $2.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $1.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $1.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $460K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $96K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $73K |
| Other Loans | RCONJ464 | $7K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $14.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $810K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $460K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $356K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $324K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 40 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 21 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 13 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 13 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 8 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 7 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · FNBT Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $298.7M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $257.3M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $257.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $236.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $139.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $134.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $94.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $61.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $14.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $13.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $12.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $10.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $8.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $8.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $8.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $7.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $7.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $6.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $4.2M |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $1.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $603K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $358K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.2M |
| All Other Liabilities | RCON2938 | $331K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $219K |
| Accounts Payable | RCON3066 | $118K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $95K |
Schedule RC-K: Quarterly Averages (13 items)
About Schedule RC-K · FNBT Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $638.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $265.8M |
| Quarterly Average of Total Loans | RCON3360 | $245.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $231.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $166.1M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $134.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $100.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $96.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $15.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $13.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $6.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $1.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $1.4M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · FNBT Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $31.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $13.3M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $10.1M |
| Unused Commitments - Credit Card Lines | RCON3815 | $9.4M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $1.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $1.8M |
| Performance Standby Letters of Credit | RCON3821 | $215K |
| Commercial and Similar Letters of Credit | RCON3411 | $36K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $29K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · FNBT Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $9K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (3 items)
About Schedule RC-N · FNBT Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $16K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $13K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · FNBT Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $638.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $557.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $351.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $195.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $70.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $6.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 9,130 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 360 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 155 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 7 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 items)
About Schedule RC-R, Part I · FNBT Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $638.5M |
| Average total consolidated assets | RCOAKW03 | $638.5M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $231.6M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $73.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $70.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $70.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $70.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $70.8M |
| Retained Earnings | RCOAKW00 | $68.0M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $2.9M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $2.9M |
| Tier 2 Capital Before Deductions | RCOAP870 | $2.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $2.8M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.3181 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.3055 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.3055 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.2381 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1108 |
Schedule RC-R, Part II: Risk-Weighted Assets (45 items)
About Schedule RC-R, Part II · FNBT Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $295.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $295.3M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $269.8M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $235.5M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $232.6M |
| Total Risk-weighted Assets | RCONG641 | $231.6M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $156.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $156.9M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $138.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $123.2M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $123.2M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $119.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $119.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $116.7M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $116.7M |
| Total Held-to-maturity Securities | RCOND961 | $106.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $81.3M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $81.3M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $59.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $59.5M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $46.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $35.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $34.3M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $17.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $17.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $16.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $13.3M |
| Total All Other Assets | RCOND981 | $13.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $12.7M |
| Unconditionally Cancellable Commitments | RCONS540 | $9.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$3.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $3.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $2.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $2.3M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $451K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $336K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $215K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $108K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $108K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $36K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $29K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $29K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $29K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 100 Pct Risk Weight Category | RCONG611 | $7K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $7K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $70.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $68.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $68.0M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.0M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · FNBT Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $103K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $82K |
| 1-4 Family Residential Construction Loans Recoveries | RIADC892 | $15K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $6K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · FNBT Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.7M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $16K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $1.5M |
FNBT Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the FNBT Bank call report?
The FNBT Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does FNBT Bank file?
FNBT Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the FNBT Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: FNBT Bank has Federal Reserve RSSD ID 697231 and FDIC certificate number 17580. Either one finds its filings on the FFIEC Central Data Repository.
How often does FNBT Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
FNBT Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 17580) · FFIEC NIC profile (RSSD 697231)