FIRST NATIONAL BANK AND TRUST

FORT WALTON BEACH, FL · Supervised by OCC (Office of the Comptroller of the Currency)

FDIC #4,756

Satisfactory Same

Current rating · Exam: June 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

FIRST NATIONAL BANK AND TRUST holds a Satisfactory CRA rating (2006).

Institution Profile

FDIC BankFind

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 15, 2006

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 20 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$251M

1-Year Change

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jun 2006	Satisfactory	Intermediate Small Bank
Sep 2003	Satisfactory	Large Bank
Dec 1997	Satisfactory	Small Bank

1 previous rating locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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