Bank routing number ยท Fort Walton Beach, Florida
FNBT Bank Routing Number (ABA): 063206207
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The FNBT Bank routing number is 063206207. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 25, 2026.
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
- Domestic offices
- 11 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1956
Full financial profile · Is FNBT Bank safe? · FNBT Bank call report · Branch locations
FNBT Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 063206207 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 25, 2026. NIC holds one primary number per bank; FNBT Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 06, place this number in the Federal Reserve Bank of Atlanta's district (District 6). Digits five through eight, 0620, identify the institution within that district. The last digit, 7, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to FNBT Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your FNBT Bank checks or in its online banking. Ask the bank for wire instructions (http://www.fnbt.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About FNBT Bank
FNBT Bank is headquartered in Fort Walton Beach, Florida and was established in 1956. It is in the CRESTVIEW-FORT WALTON BEACH-DESTIN, FL metro area. It reported $628.5M in total assets and $555.9M in deposits for Q2 2026, the 41st largest of the 81 banks headquartered in Florida. It reports 11 domestic offices. Its deposits have been FDIC insured since 1956. Its primary federal regulator is the FDIC. One other bank or credit union headquartered in Fort Walton Beach has a routing number listed here.
What the digits in 063206207 mean
The first four digits, 0632, are the Federal Reserve routing symbol. The prefix 06 places the number in the 6th Federal Reserve District (Atlanta). That is also the district where the bank is headquartered. Digits five through eight, 0620, identify the institution within its Federal Reserve district. The last digit, 7, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 4 + 7 x 6 + 16 = 70, a multiple of 10, so 063206207 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the FNBT Bank routing number?
The FNBT Bank routing number is 063206207. It is the primary ABA routing transit number registered to FNBT Bank, headquartered in Fort Walton Beach, FL. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.
What is the FNBT Bank wire routing number?
This page lists the primary routing number registered to FNBT Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with FNBT Bank before sending a wire.
Is ABA number 063206207 the routing number for FNBT Bank?
Yes. It is the primary routing number registered to FNBT Bank.
Which bank uses routing number 063206207?
It belongs to FNBT Bank, headquartered in Fort Walton Beach, FL. It is the bank's primary ABA routing number (FDIC certificate 17580).
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View FNBT Bank's full profile →
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Regulator records: FDIC BankFind (cert 17580) · FFIEC NIC profile (RSSD 697231)