FNBT.COM BANK

29 North Eglin Parkway, N.E.
Fort Walton Beach, FL 32548
850.796.2000
www.fnbt.com

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FNBT.COM BANK is headquartered in Fort Walton Beac and is the 66^th largest bank in the state of Florida. It is also the 1,799^th largest bank in the nation. It was established in 1956 and as of March of 2012, it had grown to 114 employees at 12 locations. FNBT.COM BANK's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

FNBT.COM BANK Checking Account Rates

	Apy	Min	Max	Product
	0.15%	$1k	-	Interest Checking

FNBT.COM BANK Savings Account Rates

Apy	Min	Max	Product
1.00%	$2k	-	Preferred IRA Savings
1.00%	$2k	-	Preferred SEP IRA Savings
1.00%	$2k	-	Preferred Educational IRA Savings
1.00%	$2k	-	Preferred Roth IRA Savings
0.50%	$1k	-	Health Savings Account
0.35%	$5k	-	Preferred Personal Savings Account
0.35%	$5k	-	Preferred Business Savings Account
0.15%	$50	-	Regular IRA Savings
0.15%	$200	-	Personal Savings Account
0.15%	$200	-	Business Savings Account
0.15%	$50	-	Regular Roth IRA Savings
0.15%	$50	-	Regular SEP IRA Savings
0.15%	$50	-	Regular Educational IRA Savings

FNBT.COM BANK Money Market Rates

Apy	Min	Max	Product
0.15%	$25k	-	Personal Money Market Account
0.15%	$25k	-	Business Money Market Account

FNBT.COM BANK CD Rates

Apy	Min	Max	Product
0.50%	$1k	-	2-3 Year CD
0.50%	$1k	-	4-5 Year CD
0.50%	$1k	-	Business 2-3 Year CD
0.50%	$1k	-	Business 4-5 Year CD
0.30%	$1k	-	1 Year CD
0.30%	$1k	-	Business 1 Year CD
0.20%	$1k	-	6 Month CD
0.20%	$1k	-	Business 6 Month CD
0.15%	$1k	-	3 Month CD
0.15%	$1k	-	Business 3 Month CD

FNBT.COM BANK IRA Rates

Apy	Min	Max	Product
0.50%	$1k	-	2-3 Year IRA
0.50%	$1k	-	4-5 Year IRA
0.50%	$1k	-	2-3 Year Roth IRA
0.50%	$1k	-	4-5 Year Roth IRA
0.50%	$1k	-	2-3 Year Educational IRA
0.50%	$1k	-	4-5 Year Educational IRA
0.50%	$1k	-	2-3 Year SEP IRA
0.50%	$1k	-	4-5 Year SEP IRA
0.30%	$1k	-	1 Year IRA
0.30%	$1k	-	1 Year Roth IRA
0.30%	$1k	-	1 Year Educational IRA
0.30%	$1k	-	1 Year SEP IRA
0.20%	$1k	-	6 Month IRA
0.20%	$1k	-	6 Month Roth IRA
0.20%	$1k	-	6 Month Educational IRA
0.20%	$1k	-	6 Month SEP IRA
0.15%	$1k	-	3 Month IRA
0.15%	$1k	-	3 Month Roth IRA
0.15%	$1k	-	3 Month Educational IRA
0.15%	$1k	-	3 Month SEP IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

FNBT.COM BANK
FDIC Certificate #	17580
BankRate Report	View
Year Established	1956
Employees	114
Primary Regulator	FDIC
Assets and Liabilities
Assets	$370.95 million
Loans	$145.03 million
Deposits	$305.72 million
Equity Capital	$44.55 million
Loan Loss Allowance	$4.47 million
Unbacked Noncurrent Loans	$4.11 million
Real Estate Owned	$9.52 million
Historic Data - March 2011
Assets	$371.19 million
Equity Capital	$45.83 million
Loan Loss Allowance	$4.12 million
Unbacked Noncurrent Loans	$4.17 million
Real Estate Owned	$8.58 million
Profit Margin - Quarterly
Net Interest Margin	3.32%
Return on Assets	1.1%
Return on Equity	9.05%
Interest Income	$2.93 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 FNBT.COM BANK had $13.63 million in non-current loans and owned real-estate with $49.02 million in equity and loan loss allowances on hand to cover it. This gives FNBT.COM BANK a Texas Ratio of 27.80% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for FNBT.COM BANK held steady from 25.51% as of March 31, 2011 to 27.80% as of March 31, 2012, resulting in a negative change of 9.00%. This indicates that the balance sheet and financial strength for FNBT.COM BANK has held steady in recent periods.
Deposit Growth
In the past year, FNBT.COM BANK has increased its total deposits by $1.39 million, resulting in 0.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth FNBT.COM BANK has shown is average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. FNBT.COM BANK has $370.95 million in assets with $49.02 million in equity, resulting in a capitalization level of 13.21%, which is excellent.

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