Total Assets
$635M
Total balance-sheet footings
FDIC Cert #17580 · Fort Walton Beach, Florida · Est. 1956
FNBT BANK - FDIC Bank Health Profile
A community-scale look at FNBT BANK's own numbers, pulled straight from its quarterly FDIC Call Report.
- $635M
- Total assets
- A
- Health grade · Excellent
- 2.04%
- Return on assets
- 27.1%
- Tier 1 capital
Data updated July 2026
The verdict
FNBT BANK earns a PlainBankData health grade of A (97/100), with well-capitalized at 27.14% Tier 1, profitable at 2.04% ROA, efficient (55% cost ratio).
- #1,503
- largest of 4,313 FDIC banks by assets
- 65th
- percentile by asset size, nationally
- 27.14%
- Tier 1 ratio - above the 10% well-capitalized line
- 91st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How FNBT BANK's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
FNBT BANK's composite health score
Tier 1 Capital Ratio (27.14%) 40/40
Return on Assets (ROA) (2.04%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (55.47%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$566M
Customer-funded liabilities
Net Loans
$255M
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where FNBT BANK ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. FNBT BANK's score of 97/100 falls in the highlighted band.
FNBT BANK's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). FNBT BANK's $635M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
27.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
27.14%
Texas Ratio
0.00%
Equity Capital
$68M
Profitability metrics
Return on Assets (ROA)
91st percentile nationally
2.04%
Return on Equity (ROE)
18.56%
Efficiency Ratio
55.47%
What the numbers say about FNBT BANK
FNBT BANK is an FDIC-insured institution (Certificate #17580) headquartered in Fort Walton Beach, Florida, established in 1956. It holds $635M in total assets - 1,503rd of 4,313 FDIC-insured banks, $566M in customer deposits, and $255M in net loans. On safety, its Tier 1 capital ratio of 27.14% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (97/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Florida, FNBT BANK ranks 44th of 83 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$32M
Interest Income
$5M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. FNBT BANK reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) FNBT BANK (FDIC Cert #17580) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
Frequently asked questions
What is FNBT BANK's health grade?▼
FNBT BANK receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is FNBT BANK?▼
FNBT BANK holds $635M in total assets and $566M in deposits, ranking 1,503rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Fort Walton Beach, Florida.
Is my money safe at FNBT BANK?▼
Yes, deposits at FNBT BANK (Certificate #17580) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is FNBT BANK's Tier 1 Capital Ratio?▼
FNBT BANK has a Tier 1 Capital Ratio of 27.14%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for FNBT BANK?▼
FNBT BANK has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is FNBT BANK?▼
FNBT BANK has an Efficiency Ratio of 55.47%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read FNBT BANK's profile as a depositor or analyst.
- FNBT BANK's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare FNBT BANK against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.