Listed locations
9
Institution profile
FNBT BANK
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- FNBT BANK
- Display name
- FNBT BANK
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- April 9, 1956
- Established date
- April 9, 1956
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Fort Walton Beach, FL, 32548, United States
- Website
- http://www.FNBT.com
- FDIC certificate number
- 17580
- Federal Reserve RSSD ID
- 697231
- Domestic location count
- 11
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 17580
- Federal Reserve RSSD ID
- 697231
- LEI
- 5493009KRCLCA83JWE81
- Headquarters
- 29 North Eglin Parkway NE, Fort Walton Beach, FL, 32548, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 9 of 9 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| CRESTVIEW BRANCH | 885 South Ferdon Road | Crestview | FL | 32536 |
| DEFUNIAK SPRINGS BRANCH | 272 Highway 90 | Defuniak Springs | FL | 32433 |
| DESTIN OFFICE | 415 U.s. Highway 98 | Destin | FL | 32541 |
| SEASCAPE BRANCH | 11490 Highway 98 West | Destin | FL | 32541 |
| HURLBURT FACILITY | 108 Lielmanis Avenue | Hurlburt Field | FL | 32544 |
| MARY ESTHER OFFICE | 230 Mary Esther Boulevard | Mary Esther | FL | 32569 |
| NAVARRE OFFICE | 1803 Alhambra Street | Navarre | FL | 32566 |
| NICEVILLE BRANCH | 1065 John Sims Parkway East | Niceville | FL | 32578 |
| SHALIMAR BRANCH | 1104 Eglin Parkway | Shalimar | FL | 32579 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- September 1, 2023
- Regulator
- FDIC
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| September 1, 2023 | Satisfactory | FDIC | Intermediate Small Bank |
| August 1, 2020 | Satisfactory | FDIC | Intermediate Small Bank |
| October 1, 2017 | Satisfactory | FDIC | Intermediate Small Bank |
| October 1, 2014 | Satisfactory | FDIC | Intermediate Small Bank |
| July 1, 2011 | Satisfactory | FDIC | Intermediate Small Bank |
FFIEC-reported organizational relationships
5 FFIEC NIC relationship records
Showing 1 through 5 of 5 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | AMERICAN FINANCE COMPANY OF NORTHWEST FLORIDA, INC. | Finance Company | Fort Walton Beach, FL |
| Direct relationship | FIRST BANKING SERVICES OF THE SOUTH, INC. | Data Processing Servicer | Fort Walton Beach, FL |
| Direct relationship | MORTGAGE ONE OF THE SOUTH, INC. | Domestic Entity Other | Fort Walton Beach, FL |
| Direct relationship | SOUTHERN COURIER SERVICES, INC. | Domestic Entity Other | Fort Walton Beach, FL |
| ROOT_INSTITUTION | FNBT BANK | Non-member Bank | Fort Walton Beach, FL |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank