FNBT Bank Reviews and Rates

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fnbt.com

850-796-2000

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

FNBT Bank is headquartered in FORT WALTON BEAC and is the 48^th largest bank in the state of Florida. It is also the 1,574^th largest bank in the nation. It was established in 1956 and as of March of 2025, it had grown to 76 employees at 11 locations. FNBT Bank has an A+ health rating.

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Health

A+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	17580
Year Established	1956
Employees	76
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	2.18%
Return on Equity - YTD	19.77%
Annual Interest Income	$7.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$600.6MM$581.3MM
Loans	Q1 2025vs Q1 2024	$258.9MM$248.6MM
Deposits	Q1 2025vs Q1 2024	$530.3MM$514MM
Equity Capital	Q1 2025vs Q1 2024	$67.7MM$65.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$4.1MM$4.8MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$25K$27K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for FNBT Bank.

Locations

FNBT Bank Locations
Niceville Branch	1065 John Sims Parkway East	Niceville, FL 32578
Defuniak Springs Branch	11 North 9th Avenue	De Funiak Springs, FL 32433
Shalimar Branch	1104 N Eglin Parkway	Shalimar, FL 32579
Highway 98 West Branch	11490 Us Highway 98 West	Destin, FL 32550
Navarre Branch	1803 Alhambra	Navarre, FL 32566
Fnbt.com Bank	29 Eglin Pkwy Ne	Fort Walton Beach, FL 32548
Mary Esther Branch	3 Mary Esther Cutoff	Mary Esther, FL 32569
Destin Branch	415 Highway 98	Destin, FL 32541
Crestview Branch	885 South Ferdon Blvd	Crestview, FL 32536

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