Bank Safety Analysis
Is FNBT Bank Safe? Fort Walton Beach, Florida
Based on its Q2 2026 call report, FNBT Bank meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, FNBT Bank's CET1 ratio is 30.55%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 30.55%
- Tier 1 leverage ratio (Q2 2026): 11.08%
- Texas ratio (Q2 2026): 0.00%
- Noncurrent loans ratio (Q2 2026): 0.00%
FNBT Bank is an FDIC-insured commercial bank (FDIC Certificate #17580). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
FNBT Bank passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in CET1 ratio: 2.43 percentage points higher than in Q1 2026, at 30.55%. On CET1 ratio, FNBT Bank ranks 3rd highest among the 56 banks headquartered in Florida, at 30.55% (Q2 2026). Against a median of 15.08% for banks in the $100M-1B asset tier, FNBT Bank reported 30.55% on CET1 ratio in Q2 2026, 15.47 points higher. From Q3 2023 to Q2 2026, FNBT Bank's CET1 ratio ranged between 24.25% (Q4 2024) and 30.55% (Q2 2026) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.23% (Q4 2023). Between Q2 2025 and Q2 2026, FNBT Bank's CET1 ratio rose from 26.06% to 30.55%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.01% to 0.00%, Texas ratio fell from 0.03% to 0.00% and return on assets fell from 2.08% to 1.46%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 30.55% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 11.08% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 60.4% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 30.55% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 43.69% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 133.89% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.96% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 30.55% |
| Q1 2026 | 28.12% |
| Q4 2025 | 27.14% |
| Q3 2025 | 26.38% |
| Q2 2025 | 26.06% |
| Q1 2025 | 25.11% |
| Q4 2024 | 24.25% |
| Q3 2024 | 24.43% |
| Q2 2024 | 24.62% |
| Q1 2024 | 24.94% |
| Q4 2023 | 25.07% |
| Q3 2023 | 26.72% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.02% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.03% |
| Q1 2025 | 0.03% |
| Q4 2024 | 0.03% |
| Q3 2024 | 0.04% |
| Q2 2024 | 0.05% |
| Q1 2024 | 0.04% |
| Q4 2023 | 0.23% |
| Q3 2023 | 0.17% |
FNBT Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 30.55% | 0.00% | 0.00% | 1.46% |
| Mar 31, 2026 | 28.12% | 0.01% | 0.02% | 1.56% |
| Dec 31, 2025 | 27.14% | 0.00% | 0.00% | 2.03% |
| Sep 30, 2025 | 26.38% | 0.00% | 0.00% | 1.91% |
| Jun 30, 2025 | 26.06% | 0.01% | 0.03% | 2.08% |
| Mar 31, 2025 | 25.11% | 0.01% | 0.03% | 2.20% |
| Dec 31, 2024 | 24.25% | 0.01% | 0.03% | 2.37% |
| Sep 30, 2024 | 24.43% | 0.01% | 0.04% | 2.56% |
| Jun 30, 2024 | 24.62% | 0.01% | 0.05% | 2.58% |
| Mar 31, 2024 | 24.94% | 0.01% | 0.04% | 1.90% |
| Dec 31, 2023 | 25.07% | 0.06% | 0.23% | 1.94% |
| Sep 30, 2023 | 26.72% | 0.05% | 0.17% | 1.82% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is FNBT Bank FDIC insured?
Yes. FNBT Bank is an FDIC-insured commercial bank (FDIC Certificate #17580). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is FNBT Bank well capitalized?
On its Q2 2026 call report, FNBT Bank's CET1 ratio is 30.55%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are FNBT Bank's key safety ratios?
For Q2 2026, FNBT Bank reports CET1 30.55%, leverage 11.08%, Texas ratio 0.00%, noncurrent loans 0.00%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if FNBT Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 17580) · FFIEC NIC profile (RSSD 697231)
Explore: Full FNBT Bank profile · Other banks in FL · Metric glossary · How the call report works