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Overview / Commentary
29 N. Eglin Parkway, N.E.
Fort Walton Beach, FL 32548

FNBT.COM BANK is headquartered in Fort Walton Beac and is the 67th largest bank in the state of Florida. It is also the 1,832nd largest bank in the nation. It was established in 1956 and as of December of 2013, it had grown to 101 employees at 12 locations. FNBT.COM BANK has a B+ health rating.

Reviews (1)

People That Care

At first i was like a bank inside a walmart? i was saying heck no, but i got to know the people inside the bank; they came up to me and they stared to talk to me about a checking account.  So i opened the account with one dollar, and i set up my direct deposit and i get paid one day earlier - helps me to pay my car payment on time.  So far i like the bank and the people are very nice people.  


Data for Q4 2013

Institution Health


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 December 31, 2013 FNBT.COM BANK had $6.9 million in non-current loans and owned real-estate with $49.41 million in equity and loan loss allowances on hand to cover it. This gives FNBT.COM BANK a Texas Ratio of 13.97% which is above 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 decreased dramatically from 21.75% as of December 31, 2012 to 13.97% as of December 31, 2013, resulting in a positive change of 35.79%.This indicates that the balance sheet and financial strength for FNBT.COM BANK has improved dramatically in recent periods.

Deposit Growth


In the past year, FNBT.COM BANK has decreased its total deposits by -$4.67 million, resulting in -1.55% 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.



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 $357.43 million in assets with $49.41 million in equity, resulting in a capitalization level of 13.82%, which is excellent.

Institution Statistics

FDIC Certificate #17580
Year Established1956
Primary RegulatorFDIC
Assets and Liabilities
Assets$357.43 million
Loans$131.19 million
Deposits$295.99 million
Equity Capital$44.61 million
Loan Loss Allowance$4.80 million
Unbacked Noncurrent Loans$517,000
Real Estate Owned$6.38 million
Historic Data - December 2012
Assets$358.47 million
Equity Capital$44.80 million
Loan Loss Allowance$5.05 million
Unbacked Noncurrent Loans$517,000
Real Estate Owned$9.58 million
Profit Margin - Quarterly
Net Interest Margin3.16%
Return on Assets1.09%
Return on Equity8.87%
Interest Income$11.21 million
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FNBT.COM BANK Savings Account Rates

0.50%$1k-Health Savings Account
0.15%$200-Personal Savings Account
0.15%$200-Business Savings Account

FNBT.COM BANK Money Market Rates

0.15%$25k-Personal Money Market Account
0.15%$25k-Business Money Market Account


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


0.50%$1k-2-3 Year IRA (Traditional,Roth,CESA,SEP)
0.50%$1k-4-5 Year IRA (Traditional,Roth,CESA,SEP)
0.30%$1k-1 Year IRA (Traditional,Roth,CESA,SEP)
0.20%$1k-6 Month IRA (Traditional,Roth,CESA,SEP)
0.15%$1k-3 Month IRA (Traditional,Roth,CESA,SEP)

FNBT.COM BANK has 11 locations. Click to view all FNBT.COM BANK locations.