FNBT BANK
Fort Walton Beach, FL
IDRSSD: 697231
Total Assets
$614.47M
Latest filing
Total Deposits
$543.09M
Latest filing
Net Interest Margin
3.67%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
FNBT BANK
29 Eglin Pkwy Ne
Fort Walton Beach, FL 32548
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/09/1956FDIC Certificate 11552
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| FNBT BANK (Main) | 29 Eglin Pkwy Ne | Fort Walton Beach, FL |
| HULBURT FIELD BRANCH | 108 Lielmanis Ave | Hurlburt Field, FL |
| DESTIN BRANCH | 415 Highway 98 E | Destin, FL |
| MARY ESTHER BRANCH | 3 Mary Esther Cutoff | Mary Esther, FL |
| CRESTVIEW BRANCH | 885 S Ferdon Blvd | Crestview, FL |
| NICEVILLE BRANCH | 1065 John Sims Pkwy E | Niceville, FL |
| NAVARRE BRANCH | 1803 Alhambra St | Navarre, FL |
| DEFUNIAK SPRINGS BRANCH | 11 State Highway 83 | De Funiak Springs, FL |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/09/1956 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 32548 |
| State and County Number | 12091 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Crestview-Fort Walton Beach-Destin, FL |
Operational Info
| Number of Employees | 75 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/09/1956 |
| Primary Insurance Agency | DIF |
| Website | http://www.FNBT.com |
| Data Updated | 11/14/2025 |
| CERT | 17580 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $614.47M |
| Total Deposits | $543.09M |
| Total Liabilities | $545.65M |
| Total Equity Capital | $68.82M |
| Net Income | $2.96M |
| Net Loans and Leases | $262.02M |
| Assets Per Employee ($Millions) | $8.3M |
| Bank Premises and Fixed Assets | $10.08M |
| Cash and Balances due from Depository Institutions | $179.92M |
| Deposits Held in Domestic Offices | $543.09M |
Key Performance Ratios
| Return on Assets (ROA) | 1.94% |
| Return on Equity (ROE) | 17.34% |
| Net Interest Margin | 3.67% |
| Efficiency Ratio | 54.56% |
| Tier 1 Risk-Based Capital Ratio | 26.381% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.2% |
| Earning Assets to total Assets | 97.21% |
Income and Expense
| Total Interest Income | $8.30M |
| Total Noninterest Income | $985.00k |
| Total Interest Expense | $2.84M |
| Total Noninterest Expense | $3.52M |
| Net Interest Income | $5.46M |
| Pre-tax Net Operating Income | $2.96M |
| Provision for Credit Losses | $-36,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.56M |
| Total Liabilities and Capital | $614.47M |
Securities
| Securities | $158.38M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $158.38M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of FNBT BANK?
$614.47M as of the latest filing.
How much are FNBT BANK's total deposits?
$543.09M in total deposits.
Where is FNBT BANK located?
Fort Walton Beach, FL.
What is the Net Interest Margin?
3.67%.
How many domestic offices does it operate?
11.
When was it established?
04/09/1956.
What is the Return on Assets (ROA)?
1.94%.
How much are total loans and leases?
$262.02M (latest filing).
What is the total interest income (latest filing)?
$8.30M.