TellerScore

Headquartered in Fort Walton Beach, Florida, Fnbt Bank is a state-chartered bank with $628.5M in total assets and $555.9M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1956.

Fnbt Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 5th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (61/100, 11.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.08%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings80/100
Return on assets (annualized): 1.51%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 43.0% · 47.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (83 → 79), mostly because the earnings component weakened by 20 points.

TellerScore
788285Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202483
Q4 202483
Q1 202584
Q2 202583
Q3 202583
Q4 202582
Q1 202678
Q2 202679
Tier 1 leverage ratio
5.00%8.21%11.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.35%
Q3 202410.83%
Q4 202410.90%
Q1 202511.42%
Q2 202511.25%
Q3 202511.10%
Q4 202510.99%
Q1 202610.78%
Q2 202611.08%
Noncurrent loans
0.00%0.01%0.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20240.01%
Q1 20250.01%
Q2 20250.01%
Q3 20250.00%
Q4 20250.00%
Q1 20260.01%
Q2 20260.00%
Return on assets
1.51%1.93%2.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.23%
Q3 20242.34%
Q4 20242.35%
Q1 20252.18%
Q2 20252.12%
Q3 20252.06%
Q4 20252.04%
Q1 20261.54%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$628.5M11.08%0.00%1.51%43.0%
Q1 202678$653.6M10.78%0.01%1.54%42.3%
Q4 202582$635.4M10.99%0.00%2.04%45.0%
Q3 202583$614.5M11.10%0.00%2.06%48.2%
Q2 202583$610.1M11.25%0.01%2.12%47.9%
Q1 202584$600.6M11.42%0.01%2.18%48.8%
Q4 202483$599.7M10.90%0.01%2.35%48.6%
Q3 202483$586.9M10.83%0.01%2.34%49.5%
Q2 202485$596.6M11.35%0.01%2.23%48.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.08%
52nd
Total risk-based capital31.81%
97th
Problem loans0.00%
94th
Net charge-offs-0.08%
97th
Return on assets1.51%
66th
Net interest margin3.23%
17th
Efficiency ratio60.1%
57th
Loans to deposits43.0%
95th
Uninsured deposits47.9%
5th
Loan-loss reserves1.52%
80th
Texas ratio0.0%
95th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Sunrise BankBank Orlando, FL68 out of 100, Moderate$622.9M9.5%0.10%vs
Sunstate BankBank Miami, FL76 out of 100, Strong$580.4M11.5%0.00%vs
Intracoastal BankBank Palm Coast, FL73 out of 100, Strong$573.2M9.8%0.04%vs
Florida Capital Bank, National AssociationBank Jacksonville, FL64 out of 100, Moderate$713.1M9.8%0.16%vs
Axiom Bank, National AssociationBank Maitland, FL67 out of 100, Moderate$732.4M11.7%0.06%vs
BankFloridaBank Dade City, FL75 out of 100, Strong$459.5M12.6%0.00%vs

Deposit insurance

Is my money safe at Fnbt Bank?

Yes. Fnbt Bank is an FDIC-insured institution (FDIC certificate #17580). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.9% of deposits ($266.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 31.81% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Fnbt Bank lists 9 offices in 8 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fnbt Bank
Former names
Fnbt.Com Bank; First National Bank of Okaloosa County; First National Bank of Fort Walton Beach; First National Bank and Trust; Southern National Bank of Fort Walton Beach
Type
State-chartered bank
FDIC certificate #
17580
RSSD ID
697231
Primary regulator
FDIC
Holding company
Southern National Banks Inc
Established
April 9, 1956
Headquarters
29 Eglin Pkwy Ne, Fort Walton Beach, FL 32548
Employees
73

Quick answers

Fnbt Bank: common questions

Is Fnbt Bank FDIC insured?

Yes. Fnbt Bank is an FDIC-insured institution (FDIC certificate #17580). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fnbt Bank's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Fnbt Bank ever failed?

There is no failure record for FDIC certificate #17580 in the FDIC failed bank list.

How many branches does Fnbt Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fort Walton Beach

InstitutionScoreAssetsCapitalProblem loansCompare
Eglin Federal Credit UnionCredit union Fort Walton Bea, FL85 out of 100, Very strong$3.1B13.1%0.35%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
CCB Community BankBank Andalusia, AL79 out of 100, Strong$661.9M10.5%0.19%vs
PNB Community BankBank Niceville, FL75 out of 100, Strong$155.2M10.3%0.04%vs
BankPlusBank Belzoni, MS71 out of 100, Strong$8.4B10.8%0.64%vs
Penair Credit UnionCredit union Pensacola, FL69 out of 100, Moderate$2.8B11.5%0.60%vs