FNBT Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FNBT Bank of Fort Walton Beach, FL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.46% | 1.25% | +0.21% | 60th above |
| ROAE | 13.42% | 12.22% | +1.20% | 55th above |
| Net Interest Margin | 3.31% | 3.95% | -0.64% | 20th bottom |
| Efficiency Ratio | 60.37% | 63.71% | -3.34% | 52nd above |
| PPNR / Avg Assets | 1.47% | — | — | 42nd below |
| Yield on Earning Assets | 5.01% | 5.67% | -0.66% | 23rd bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.81% | 1.87% | -0.06% | 49th below |
| Net Interest Spread | 2.60% | — | — | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | -0.13% | 0.15% | -0.28% | 97th top |
| ACL / Total Loans | 1.52% | — | — | 80th top |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 30.55% | 17.18% | +13.37% | 93rd top |
| Tier 1 Ratio | 30.55% | 17.21% | +13.34% | 93rd top |
| Total Capital Ratio | 31.81% | — | — | 93rd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.08% | 11.75% | -0.67% | 52nd above |
| Equity / Assets | 11.26% | 10.98% | +0.28% | 63rd above |
| TCE / Tangible Assets | 11.26% | — | — | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 43.69% | 80.44% | -36.75% | 95th top |
| Core Deposit Ratio | 97.60% | 86.95% | +10.65% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.02% | — | — | 39th below |
| Loan Growth (Y/Y) | -7.49% | — | — | 4th bottom |
| Deposit Growth (Y/Y) | 3.11% | — | — | 43rd below |
See FNBT Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FNBT Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full FNBT Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the FNBT Bank peer analysis.