FNBT Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 4.59 percentage points in Q2 2026, from 12.34% to 16.94%. It was the largest change from Q1 2026 among the key lines here. Within Florida, FNBT Bank is 17th of 79 on return on assets, 1.46% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. FNBT Bank sits 0.21 points higher, at 1.46% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 30.55% |
| Tier 1 risk-based capital ratio | 30.55% |
| Total risk-based capital ratio | 31.81% |
| Tier 1 leverage ratio | 11.08% |
| Equity capital to assets | 11.26% |
| Tangible equity to tangible assets | 11.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.13% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.46% |
| Return on equity | 13.42% |
| Net interest margin | 3.31% |
| Efficiency ratio | 60.37% |
| Yield on earning assets | 5.01% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 43.69% |
| Core deposits to total deposits | 97.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.45% |
| Securities to assets | 16.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 26.72% | 26.72% | 27.97% | 11.19% | 1.82% |
| Q4 2023 | 25.07% | 25.07% | 26.33% | 10.87% | 1.94% |
| Q1 2024 | 24.94% | 24.94% | 26.20% | 11.31% | 1.90% |
| Q2 2024 | 24.62% | 24.62% | 25.87% | 11.35% | 2.58% |
| Q3 2024 | 24.43% | 24.43% | 25.69% | 10.83% | 2.56% |
| Q4 2024 | 24.25% | 24.25% | 25.51% | 10.90% | 2.37% |
| Q1 2025 | 25.11% | 25.11% | 26.36% | 11.42% | 2.20% |
| Q2 2025 | 26.06% | 26.06% | 27.31% | 11.25% | 2.08% |
| Q3 2025 | 26.38% | 26.38% | 27.64% | 11.10% | 1.91% |
| Q4 2025 | 27.14% | 27.14% | 28.39% | 10.99% | 2.03% |
| Q1 2026 | 28.12% | 28.12% | 29.37% | 10.78% | 1.56% |
| Q2 2026 | 30.55% | 30.55% | 31.81% | 11.08% | 1.46% |
FNBT Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNBT Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full FNBT Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17580) · FFIEC NIC profile (RSSD 697231)