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Fnbt Bank
Fort Walton Beach, FL · FDIC Certificate #17580 · Chartered 04/0
Total assets
$628.51M
Total deposits
$555.94M
Total equity
$70.77M
Net loans
$239.17M
Branches (offices)
10
Net income (YTD)
$4.82M
Rank: #1,502 of 4,213 U.S. banks by assets · #41 of 81 in Florida. Assets changed 3.0% and deposits 3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.51% |
| Return on equity | 13.95% |
| Net interest margin (YTD) | 3.23% |
| Equity to assets | 11.26% |
| Tier 1 leverage ratio | 11.08% |
| Uninsured deposits (share of deposits) | 47.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.08% |
| Loans to deposits | 43.0% |
| Real estate loans (share of loans) | 97.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $233.33M | 97.6% | |
| Commercial & industrial | $6.69M | 2.8% | |
| Consumer / individual | $2.84M | 1.2% | |
| Construction & development | $50.74M | 21.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $687.39M | $628.48M | $3.03M | $56.93M |
| Jun 2023 | $568.07M | $502.05M | $6.12M | $64.12M |
| Jun 2024 | $596.55M | $526.84M | $6.50M | $66.16M |
| Jun 2025 | $610.09M | $539.19M | $6.41M | $67.86M |
| Jun 2026 | $628.51M | $555.94M | $4.82M | $70.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $555.94M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $555.94M.
Similar-sized banks
Community Bank Of Pickens County ($628.59M) · Cs Bank ($628.45M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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