FNBT BANK
Fort Walton Beach, FL · State Bank, Not a Federal Reserve Member · Part of SOUTHERN NATIONAL BANKS INC
Summary
- Total assets: $629 million
- Total deposits: $556 million
- Total loans: $243 million
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 20.9% |
| Multifamily | 8.5% |
| Owner-occupied commercial real estate | 14.0% |
| Non-owner-occupied commercial real estate | 11.7% |
| Residential | 40.8% |
| Commercial & industrial | 2.8% |
| Consumer & other | 1.4% |
Health indicators
- Tier 1 leverage ratio: 11.08%
- Total risk-based capital ratio: 31.81%
- Noncurrent loans: 0.00%
- Net charge-offs: -0.08%
- Return on assets: 1.51%
Local footprint
| County | Branches | Deposits |
|---|---|---|
| Okaloosa, FL | 7 | $475 million |
| Walton, FL | 2 | $66 million |
| Santa Rosa, FL | 1 | $15 million |