BlastPoint

BlastPoint's Banking Scorecard

FNBT BANK

$100M-$1B Specialty: Other FL FDIC cert 17580

Fort Walton Beach, FL

11 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
  • Deposits +3.1% year over year ($555.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.51%.
  • Efficiency ratio 60.05% vs a 64.48% peer average.
  • Loan-to-deposit ratio 43.02% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL
View $100M-$1B leaderboard (FL) →

FNBT BANK has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.18% above tier average
  • + Efficiency Ratio 4.43% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 17.3% in tier
  • - Liquidity Overhang: Bottom 42.2% in tier
  • - Net Interest Margin 0.76% below tier average
Get updates when FNBT BANK releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $628.5M
+3.0% YoY -3.8% QoQ
+$241.9M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $239.2M
-7.5% YoY -3.1% QoQ
-$19.2M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $555.9M
+3.1% YoY -4.7% QoQ
+$229.2M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
84%
Return on Assets ? 1.51%
-29.1% YoY -2.1% QoQ
+0.18% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 3.23%
-11.3% YoY +0.8% QoQ
-0.76% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 60.05%
+8.5% YoY +0.5% QoQ
-4.43% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
57%
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 43.02%
-10.3% YoY +1.6% QoQ
-34.93% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
Top 5.3% in tier
Non-Interest-Bearing Deposit Share ? 25.05%
-13.4% YoY -0.8% QoQ
+3.02% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
66%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 30.55%
+17.3% YoY +8.7% QoQ
+14.64% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
Top 3.9% in tier
Non-Interest Income / Assets ? 0.30%
-33.4% YoY +100.7% QoQ
-0.27% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
72%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Noninterest-Bearing 25.0%
-3.9pp YoY
-0.2pp QoQ
 +2.9pp 22.1% 27.7% 22.2% 66%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 2.8%
-0.3pp YoY
-0.1pp QoQ
 -8.8pp 11.6% 12.9% 12.5% 9%
CRE 55.9%
+0.3pp YoY
+0.9pp QoQ
 +16.4pp 39.5% 50.6% 41.4% 80%
1-4 Family 41.4%
0.0pp YoY
-0.8pp QoQ
 +8.8pp 32.6% 30.7% 31.3% 72%
Consumer 1.2%
+0.1pp YoY
0.0pp QoQ
 -2.9pp 4.1% 3.7% 5.0% 33%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 30.6%
+4.5pp YoY
+2.4pp QoQ
 +11.7pp 18.8% 19.8% 19.7% 94%
Leverage Ratio 11.1%
-0.2pp YoY
+0.3pp QoQ
 -1.1pp 12.2% 13.9% 12.6% 52%
Total Capital Ratio 31.8%
+4.5pp YoY
+2.4pp QoQ
 +11.9pp 19.9% 21.1% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 73
-2 (-2.7%) YoY
-1 (-1.4%) QoQ
 +14 58 295 482 73%
Assets per Employee ($) $8.6M
+5.8% YoY
-2.5% QoQ
 +$1.1M $7.5M $10.3M $8.8M 76%
Branch Count 11
0 YoY
0 QoQ
 +6 4 13 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.7% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 16.62x 20.23x n/a
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 3%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 13.9%
-5.3pp YoY
-0.6pp QoQ
 +1.8pp 12.2% 9.3% 11.6% 62%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 46%
Net Income ($, YTD) $4.8M
-24.9% YoY
— QoQ
 +$2.3M $2.6M $25.2M $40.4M 86%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline
#54 of 307 • Bottom 17.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.51%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#314 of 742 • Bottom 42.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 30.55%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 43.02%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
103
Tier 1 Capital Ratio
capital
Value: 30.55%
Peer Median: 15.91%
#103 of 2643 Top 3.9% in $100M-$1B
140
Loan-to-Deposit Ratio
liquidity
Value: 43.02%
Peer Median: 77.95%
#140 of 2643 Top 5.3% in $100M-$1B
414
Total Deposits
size
Value: $555.94M
Peer Median: $326.73M
#414 of 2643 Top 15.6% in $100M-$1B
461
Total Assets
size
Value: $628.51M
Peer Median: $386.57M
#461 of 2643 Top 17.4% in $100M-$1B

Top Weaknesses (1 metrics)

2195
Net Interest Margin
profitability
Value: 3.23%
Peer Median: 3.99%
#2195 of 2643 Bottom 17.0% in $100M-$1B
Powered by BlastPoint © 2026