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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Fort Walton Beach, FL · FDIC certificate #17580
FNBT BANK is an FDIC-insured institution based in Fort Walton Beach, FL (FDIC certificate #17580). In its Q3 2026 Call Report it reported total assets of $639M, total deposits of $567M and net loans of $245M. Its primary federal regulator is FDIC.
Plain-language readout
FNBT BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $654M in Q1 2026 and were lowest at $629M in Q2 2026.
Total deposits were highest at $583M in Q1 2026 and lowest at $556M in Q2 2026.
Over the whole period total assets fell 2.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $639M | $567M | $245M | 1.50% | 13.86% | 3.25% |
| Q2 2026 | $629M | $556M | $239M | 1.51% | 13.95% | 3.23% |
| Q1 2026 | $654M | $583M | $247M | 1.54% | 14.55% | 3.20% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $269.8M | $313.0M | -$43.2M | -13.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $106.5M | $80.7M | +$25.8M | +32.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $239.2M | $246.9M | -$7.8M | -3.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.8M | $9.9M | -$115K | -1.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.3M | $3.1M | +$229K | +7.5% |
| Total assets | $628.5M | $653.6M | -$25.0M | -3.8% |
| Liabilities | ||||
| Total deposits | $555.9M | $583.4M | -$27.5M | -4.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.8M | $1.7M | +$99K | +5.8% |
| Total liabilities | $557.7M | $585.1M | -$27.4M | -4.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.4M | $1.4M | $0K | 0.0% |
| Surplus | $1.4M | $1.4M | $0K | 0.0% |
| Retained earnings | $68.0M | $65.6M | +$2.3M | +3.6% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $70.8M | $68.4M | +$2.3M | +3.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $17K | -$17K | -100.0% |
| Adjusted nonperforming assets | $0K | $17K | -$17K | -100.0% |
| Tangible equity plus allowance | $74.5M | $72.0M | +$2.4M | +3.4% |
| Texas ratio (gross) | 0.00% | 0.02% | -0.02 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.02% | -0.02 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.02% | -0.02 pts | See points |
| Tier 1 capital to risk-weighted assets | 30.55% | 28.12% | +2.43 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 30.55% | 28.12% | +2.43 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 31.81% | 29.37% | +2.44 pts | See points |
| Tier 1 leverage (approximate) | 11.08% | 10.78% | +0.30 pts | See points |
| Construction and land loans to total capital | 68.87% | 79.55% | -10.68 pts | See points |
| Commercial real estate to total capital | 135.33% | 142.79% | -7.46 pts | See points |
| Dividend payout, year to date | 41.53% | 80.61% | -39.08 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.96% | -0.15% | -0.81 pts | See points |
| Liquidity | ||||
| Core deposits | $542.6M | $569.3M | -$26.8M | -4.7% |
| Non-core funding | $13.3M | $14.1M | -$727K | -5.2% |
| Loans to core deposits | 44.76% | 44.00% | +0.76 pts | See points |
| Loans to deposits | 43.69% | 42.94% | +0.74 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 9.40% | 31.00% | -21.60 pts | See points |
| Loans pledged, share of loans | 19.09% | 20.69% | -1.59 pts | See points |
| Volatile liabilities | $13.3M | $14.1M | -$727K | -5.2% |
| Earnings | ||||
| Earnings before provision, year to date | $4.8M | $2.4M | +$2.3M | +97.2% |
| Earnings before provision, single quarter | $2.3M | $2.4M | -$68K | -2.8% |
| Provision for credit losses, year to date | -$52K | -$65K | +$13K | +20.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.47% | 6.44% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.97% | 3.62% | +0.35 pts | See points |
| Total interest income to average assets | 4.76% | 4.77% | -0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 2.10% | 2.08% | +0.03 pts | See points |
| Cost of savings and money market deposits | 2.67% | 2.64% | +0.03 pts | See points |
| Cost of time deposits | 2.18% | 2.21% | -0.03 pts | See points |
| Total interest expense to average assets | 1.61% | 1.60% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $639M | $567M | $245M | 1.50% | 13.86% | 3.25% |
| 2026-06-30 | $629M | $556M | $239M | 1.51% | 13.95% | 3.23% |
| 2026-03-31 | $654M | $583M | $247M | 1.54% | 14.55% | 3.20% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| FL | $539.2M | 0.06% | 87 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.