FNBT Bank
Fort Walton Beach, FL · Cert 17580 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 105 of 743).
- Widest gap: net interest margin trails 76% of banks under $1B in assets operating in a single state (rank 565 of 746).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.20%
Rank 298 of 746
Net Interest Margin
3.15%
Rank 565 of 746
Efficiency Ratio
60.05%
Rank 283 of 746
Equity / Assets
11.26%
Rank 298 of 746
Non-interest income vs. expense
Unfavorable gap of $10.6M · efficiency ratio beats 62% 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% | 298 / 746 | |
| Return on Equity | 10.68% | 6.74% | 10.51% | 13.63% | Beats 52% | 361 / 746 | |
| Net Interest Margin | 3.15% | 3.17% | 3.68% | 4.16% | Beats 24% | 565 / 746 | |
| Efficiency Ratio | 60.05% | 55.74% | 64.58% | 75.47% | Beats 62% | 283 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 75% | 192 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 30.55% | 11.55% | 13.75% | 17.60% | Beats 95% | 37 / 746 | |
| Total Risk-Based Capital Ratio | 31.81% | 11.71% | 14.33% | 18.43% | Beats 95% | 35 / 746 | |
| Equity / Assets | 11.26% | 8.90% | 10.51% | 13.06% | Beats 60% | 298 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 43.69% | 61.31% | 78.27% | 90.78% | 7th pctl | 691 / 746 | |
| Loans / Assets | 38.64% | 53.60% | 66.97% | 76.08% | 8th pctl | 690 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |