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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 17580 · FL A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #184/4307
  • PHOTO-FINISH Dysart State Bank · IA
  • TIER1-WELL 27.1% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 2.04% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: Dysart State Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around FNBT BANK

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Dysart State Bank · IA · near97/100FNBT BANK · FL · this bank97/100HomeBank Texas · TX · near97/100Stafford Savings Bank · CT ·…97/100Zapata National Bank · TX · …97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around FNBT BANK · July 2026

Call Report read for FNBT BANK in a high-failure state

FNBT BANK (FDIC Cert #17580) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #184 of 4,307. Tier 1 capital prints at 27.14%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.04%. Balance-sheet scale is $635M, 1,503rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Dysart State Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around FNBT BANK

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

FNBT BANK sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about FNBT BANK's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

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.

0/100100/100National avg77/10097/100
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 Assets

$635M

Total balance-sheet footings

Total Deposits

$566M

Customer-funded liabilities

Net Loans

$255M

Outstanding loan book

Net Income

$13M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 25.74% 27.14% 28.54%
Basel III capital ratios - FNBT BANK

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 4% higher than 96% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. FNBT BANK 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at FNBT BANK

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

What these ratios mean →

Earnings posture at FNBT BANK

Return on Assets (ROA)
91st percentile nationally
2.04%
Return on Equity (ROE)
18.56%
Efficiency Ratio
55.47%

What these mean →

Income & expense at FNBT BANK

$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.

FDIC Failed Bank List → View FNBT BANK on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($635M here), outside Florida so the neighborhood is not state containment.

Henderson State Bank $635M · NE Community First Bank $636M · WI Clear Lake Bank and Trust Company $636M · IA Haverhill Bank $636M · MA

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.

FNBT BANK Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
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%