FNBT BANK
FORT WALTON BEAC, FLORIDA · FDIC Cert #17580
Capital & Safety Analysis
According to FDIC financial data, FNBT BANK holds a Tier 1 capital ratio of 24.62%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FNBT BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FNBT BANK shows strong financial health indicators. With $597M in assets and a Health Score of 100/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FNBT BANK has a Bank Health Score of A (100/100). It holds a Tier 1 capital ratio of 24.62%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FNBT BANK holds $597M in total assets and $527M in total deposits. It is located in FORT WALTON BEAC, FLORIDA (FDIC Certificate #17580).
FNBT BANK has a Tier 1 capital ratio of 24.62%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.01%, and the return on assets is 2.23%.
Yes. FNBT BANK is FDIC-insured (Certificate #17580). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.