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
Key People
Loading leadership data...
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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Sunrise Bank
Orlando, Florida
→
Assets: $596.33MΔ -2.3%
Marine Bank & Trust Company
Vero Beach, Florida
→
Assets: $630.12MΔ +3.3%
Intracoastal Bank
Palm Coast, Florida
→
Assets: $574.27MΔ -5.9%
Florida Capital Bank, National Association
Jacksonville, Florida
→
Assets: $655.18MΔ +7.4%
Sunstate Bank
Miami, Florida
→
Assets: $537.24MΔ -11.9%
Flagship Bank
Clearwater, Florida
→
Assets: $694.80MΔ +13.9%
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.