Total Assets
$635M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
FNBT BANK — FDIC Bank Health Profile
Fort Walton Beach, Florida · Est. 1956. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #17580 Atlanta Region
B
Health grade
Good
Score: 77/100
Basel III capital ratios — FNBT BANK
Total Deposits
$566M
Customer-funded liabilities
Net Loans
$255M
Outstanding loan book
Net Income
$13M
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
27.14%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$68M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
2.04%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
18.56%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
55.47%
Income & Expense Breakdown
$32M
Interest Income
$5M
Non-Interest Income
$15M
Non-Interest Expense
FDIC Deposit Insurance
FNBT BANK is FDIC-insured (Certificate #17580). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $635M in total assets and $566M in customer deposits, with $255M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, FNBT BANK reports a Tier 1 Capital Ratio of 27.14% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $68M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 2.04% and a Return on Equity of 18.56%, with an Efficiency Ratio of 55.47% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of B (77/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at FNBT BANK is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Florida by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data FNBT BANK (FDIC Cert #17580) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Association Winter Haven | $67.2B | B | 1.40% |
| EverBank, National Association Jacksonville | $46.0B | C | 0.72% |
| Raymond James Bank Saint Petersburg | $43.4B | B | 1.47% |
| BankUnited, National Association Miami Lakes | $35.0B | C | 0.89% |
| City National Bank of Florida Miami | $28.0B | C | 0.96% |
| Seacoast National Bank Stuart | $20.8B | C | 0.91% |
| Amerant Bank, National Association Coral Gables | $9.8B | C | 0.64% |
| Ocean Bank Miami | $7.4B | C | 0.92% |
Frequently Asked Questions
What is FNBT BANK's health grade? ▼
FNBT BANK receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is FNBT BANK? ▼
FNBT BANK holds $635M in total assets and $566M in deposits. It is headquartered in Fort Walton Beach, Florida.
Is my money safe at FNBT BANK? ▼
Yes. FNBT BANK is FDIC-insured (Certificate #17580). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
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.
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.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.