# FNBT BANK
FORT WALTON BEAC, FL · FDIC certificate 17580 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $628.5M | |
| Deposits | $555.9M | |
| Loans and leases | $242.9M | |
| Total equity | $70.8M | |
| Loans / deposits | 43.02% (p4 of band) | 82.04% |
| Liquid assets / assets | 59.86% (p97 of band) | |
| Uninsured deposits / deposits | 47.88% (p94 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.08% (p56 of band) | 10.81% |
| Unrealized securities loss / equity | -0.96% (p86 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.51% (p64 of band) | 1.28% |
| Net interest margin | 3.23% (p17 of band) | 3.91% |
| Efficiency ratio | 60.05% (p46 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | -0.03% (p3 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 96% | |
| Construction % of loans | 71.69% (p73 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 73 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 1 | expense ratio p90 |  |
| 2015-06 | 0 |  | expense ratio p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | expense ratio p90 |  |
| 2016-06 | 1 | capital falling | expense ratio p90 |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | construction >100% equity | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 0 |  | construction >100% equity |
| 2020-09 | 2 | capital falling, construction >100% equity |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | NIM <2.5% |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 3 | deposits shrinking | NIM <2.5% |
| 2023-06 | 4 | uninsured deposits leaving |  |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 1 |  | assets shrinking, deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | capital falling | construction >100% equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-01-19 [Destin Chamber honors outstanding volunteers, installs new chairman and board - The Destin Log](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOY01jb2htTHpBa3VKSzQ3ejJtOXlvT2xtSlZhLWw5aUkyN3JYdVBnUElWWGtNRVdycEVSY2I1S1BQZkpwY2ZmRFNfaTRKdEFROXFkOUwzVjc1Ml9lUWxERWg3UmtZanYyd053MHlnRjJSc0J2Qm5GYTVKWGpMSHltOXZUR2VFTl9MZXBHcUJIRzFJSm5rdnRQVFJKdFJqelBselZhSXlnalR5cl8wdEVRQkRBazFzQm1IZkZvMEhFZ3Rjb1d0R3ZiRi0zRDQ0TS00dVE?oc=5) · The Destin Log
- 2026-03-24 [Destin Chamber welcomes new leadership, sets goals for 2025 - Get The Coast](https://news.google.com/rss/articles/CBMiiwFBVV95cUxONldiRERaakJ1YlA0MnVrNEJXVkRHN2R3TWt4b0txZXZsWnZpaUNyWmFUM2ZYMVFNUEhCdktjeGJyQ1d0UTIteDFFWDg3czFwNzZRWi1kaXBRbHh1czNIWGhlMENHVFlyWFU4a3pVYTVpNC1RRXNPb1I2ZUNGZUxmbFU1b0FDNllQbDZz?oc=5) · Get The Coast
- 2025-01-17 [Destin Chamber of Commerce installs new board and chair for 2025 - The Destin Log](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNSko5RC0wdUxnOWE0aXZWX0U5RkRONThpTzNOMkV6dkx4X1A5WGJZZkpaTFpibFNyZ2VxTWpWS3JOS044RzM4VTR1dTNvcUhyOFJublVqMWowVDY3SWpzcmxOOWU1cE12TmhCVUZPWVhwMEFjZTBXbDV0bDJEZ2d5SE1NOF9KcTNVOERRSGttS2FhejM5eGFRQUJDRVlpbm40UlVpQy1QWW9nZjQ?oc=5) · The Destin Log
- 2018-01-12 [Passing the gavel - The Destin Log](https://news.google.com/rss/articles/CBMigwFBVV95cUxPb1FMZDNSSUNaRmpwbWN0b1hUd1FoUUtja0NEaVp3RXdzb01KSFM2RzNGU3NEd3Y1U1RKTDFnQ210X3IxS2xlLWJiMGh5V2J5ZV9nSU9XU0Vxa1ZwM2djSHJlYlFWUmlCX3ZoY1hsR0NCQjRJT2dRX1AzYm1YTkhMN0dMNA?oc=5) · The Destin Log
- 2016-01-19 [Destin Chamber reveals new logo and kicks off 50th anniversary year (VIDEO) - The Destin Log](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQY1pLWkhRZUlTZXV6Y3RoMXBFMGFRRVhqWDdLRWhfMy03cm1fNUd2M2tyVHpkRTVwMDh2QVA2TVRRSlNhOGJYaHg5RVZuN3FXbHdTbmtQeVlwaVo2NU1NaXpDU0J5dHY1d0VLemVsZ3J6VURYU1NPTVRlZTVySE5uSmJmUUkwQnlUU2tjQUwwajdkeDlpZVlZc1lQeWU5S2xTQjFta2czTkJOdElQeG82QjFXTGdtT1ZLV1pJSG54eDd3RjVvUXdHR19BLW5Tdm1lcEpz?oc=5) · The Destin Log

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17580 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "17580", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide