Fnbt Bank vs First Federal Bank
Comparing a Bank in Fort Walton Beach, FL with a Bank in Lake City, FL using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Fnbt Bank ↗ Bank · Fort Walton Beach, FL · Est. 1956 | First Federal Bank ↗ Bank · Lake City, FL · Est. 1961 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Fort Walton Beach, FL | Lake City, FL |
| Total assets | $653.6M | $4.4B |
| Capital ratio | 10.5% | 10.1% |
| Return on assets | 1.5% | 1.2% |
| Deposits | $583.4M | $3.5B |
| Branches | 11 | 30 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 83 | #6 of 83 |
| Established | 1956 | 1961 |
Fnbt Bank
- Assets: $653.6M
- Deposits: $583.4M
- Capital ratio: 10.5%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #1 of 83
First Federal Bank
- Assets: $4.4B
- Deposits: $3.5B
- Capital ratio: 10.1%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #6 of 83
Are both institutions federally insured?
Yes. Fnbt Bank is FDIC-insured and First Federal Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Fnbt Bank or First Federal Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Fnbt Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Fnbt Bank safe?
Yes — Fnbt Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is First Federal Bank safe?
Yes — First Federal Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Fnbt Bank vs First Federal Bank?
Fnbt Bank has a capital ratio of 10.5%, placing it in the top 45% of $100M–1B peers. First Federal Bank's ratio is 10.1%, placing it in the bottom 47% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Fnbt Bank have compared to First Federal Bank?
The CFPB database shows 0 complaints against Fnbt Bank, and 0 complaints against First Federal Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Fnbt Bank with other Banks in Florida
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
