FNBT Bank
Fort Walton Beach, FL · Cert 17580 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Southern National Banks Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$628.5MAssets
$242.9MLoans
$555.9MDeposits
$70.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 108 of 751).
- Widest gap: net interest margin trails 75% of banks under $1B in assets operating in a single state (rank 567 of 755).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.20%
Rank 299 of 755
Net Interest Margin
3.15%
Rank 567 of 755
Efficiency Ratio
60.05%
Rank 282 of 755
Equity / Assets
11.26%
Rank 308 of 755
Non-interest income vs. expense
Unfavorable gap of $10.6M · efficiency ratio beats 63% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.72% | 1.06% | 1.45% | Beats 60% | 299 / 755 | |
| Return on Equity | 10.68% | 6.66% | 10.44% | 13.61% | Beats 52% | 363 / 755 | |
| Net Interest Margin | 3.15% | 3.15% | 3.68% | 4.17% | Beats 25% | 567 / 755 | |
| Efficiency Ratio | 60.05% | 55.75% | 64.78% | 75.61% | Beats 63% | 282 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.05% | Beats 100% | 108 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 75% | 192 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 30.55% | 11.56% | 13.81% | 17.74% | Beats 94% | 42 / 755 | |
| Total Risk-Based Capital Ratio | 31.81% | 11.72% | 14.46% | 18.53% | Beats 95% | 40 / 755 | |
| Equity / Assets | 11.26% | 8.93% | 10.56% | 13.13% | Beats 59% | 308 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 43.69% | 62.43% | 78.62% | 91.00% | 7th pctl | 703 / 755 | |
| Loans / Assets | 38.64% | 54.70% | 67.27% | 76.55% | 7th pctl | 700 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |