Total Assets
$628.5M
Total Deposits
$555.9M
Branches
11
Established
1956
FNBT BANK is a bank headquartered in Fort Walton Beach, Florida, established in 1956. It holds $628.5M in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, FNBT BANK earns a TFS Financial Health Grade of B (77.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
77.5 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| FNBT BANKHQ | 29 Eglin Pkwy Ne | Fort Walton Beach | FL | 11 |
| FNBT BANK | 885 S Ferdon Blvd | Crestview | FL | 11 |
| FNBT BANK | 11 State Highway 83 | De Funiak Springs | FL | 11 |
| FNBT BANK | 11490 Us Highway 98 W | Destin | FL | 11 |
| FNBT BANK | 415 Highway 98 E | Destin | FL | 11 |
| FNBT BANK | 29 Eglin Pkwy Ne | Fort Walton Beach | FL | 25 |
| FNBT BANK | 108 Lielmanis Ave | Hurlburt Field | FL | 22 |
| FNBT BANK | 3 Mary Esther Cutoff | Mary Esther | FL | 11 |
| FNBT BANK | 1803 Alhambra St | Navarre | FL | 11 |
| FNBT BANK | 1065 John Sims Pkwy E | Niceville | FL | 11 |
| FNBT BANK | 1104 N Eglin Pkwy | Shalimar | FL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
77.5
Tier 1 capital ratio
11.08%
Return on assets
1.51%
Non-performing loans
0.00%
Efficiency ratio
60.05%
Asset growth (YoY)
3.02%
Suggested direct comparisons
Miami Lakes, FL
$34.9B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.