Fnbt Bank is a bank based in Fort Walton Beach, Florida, established in 1956, with $654 million in total assets across 11 branches. By Trust Grade it ranks 1st of 83 banks we track in Florida. Its capital ratio of 10.5% is stronger than 55% of similarly sized banks, versus a Florida median of 9.3%. It was profitable over the most recent period, with a 1.54% return on assets. No consumer complaints against Fnbt Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Fnbt Bank compares to Florida peers
How we graded Fnbt Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.5% capital ratio)
- Strongly profitable (ROA 1.54%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Fnbt Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (11)
- 29 Eglin Pkwy Ne, Fort Walton Beach, FL 32548
- 108 Lielmanis Ave, Hurlburt Field, FL 32544
- 415 Highway 98 E, Destin, FL 32541
- 3 Mary Esther Cutoff, Mary Esther, FL 32569
- 885 S Ferdon Blvd, Crestview, FL 32536
- 1065 John Sims Pkwy E, Niceville, FL 32578
- 1803 Alhambra St, Navarre, FL 32566
- 11 State Highway 83, De Funiak Springs, FL 32433
- 29 Eglin Pkwy Ne, Fort Walton Beach, FL 32548
- 11490 Us Highway 98 W, Destin, FL 32550
- 1104 N Eglin Pkwy, Shalimar, FL 32579
Are deposits at Fnbt Bank insured?
Yes. Fnbt Bank is an FDIC-insured bank (FDIC certificate #17580). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Fnbt Bank: frequently asked questions
Is Fnbt Bank a good bank?
Fnbt Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.5% capital ratio); Strongly profitable (ROA 1.54%).
Is Fnbt Bank FDIC-insured?
Yes. Fnbt Bank is a FDIC-insured bank (FDIC certificate #17580). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Fnbt Bank?
Fnbt Bank holds $654 million in total assets, ranking 1st of 83 banks we track in Florida. It operates 11 branches.
Does Fnbt Bank have CFPB complaints?
No CFPB complaints against Fnbt Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
