🏦Bank Scorer

FNBT BANK

FORT WALTON BEACH, FL · Supervised by FDIC

Est. 1956FDIC #17,580RSSD: FDIC-17580
Part ofSOUTHERN NATIONAL BANKS INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.54%

Institution Profile

FDIC BankFind

Address

29 Eglin Pkwy Ne, FORT WALTON BEACH, FL

County

Okaloosa County

Established

April 9, 1956

Total Assets

$654M(latest call report)

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

September 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$654M

Total Deposits

$583M

Net Loans

$247M

Net Income

$2M

ROA

1.54%

ROE

14.55%

Risk-Based Capital

29.37%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$539M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2011

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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