BlastPoint's Banking Scorecard
FNBT BANK
Fort Walton Beach, FL
11 branches across FL
FNBT BANK has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 26.5% in tier
- + ROA 0.27% above tier average
- + Efficiency Ratio 5.55% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 28.5% in tier
- - Net Interest Margin 0.73% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$653.6M
+8.8% YoY
+2.9% QoQ
|
+$267.5M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
85% |
| Total Loans ? |
$246.9M
-4.6% YoY
-3.1% QoQ
|
-$8.8M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$583.4M
+10.0% YoY
+3.1% QoQ
|
+$255.4M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
Top 13.6% in tier |
| Return on Assets ? |
1.54%
-29.3% YoY
-24.6% QoQ
|
+0.27% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
70% |
| Net Interest Margin ? |
3.20%
-12.0% YoY
-11.3% QoQ
|
-0.73% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
59.74%
+8.8% YoY
+7.7% QoQ
|
-5.55% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
60% |
| Delinquency Rate ? |
0.01%
-28.7% YoY
+484.7% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Top 13.2% in tier |
| Loan-to-Deposit Ratio ? |
42.32%
-13.3% YoY
-6.0% QoQ
|
-34.31% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 5.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.26%
-8.8% YoY
+3.9% QoQ
|
+3.24% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.00%
-37.5% YoY
+451.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
Top 11.7% in tier |
| Tier 1 Capital Ratio ? |
28.12%
+12.0% YoY
+3.6% QoQ
|
+12.29% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Top 4.6% in tier |
| Non-Interest Income / Assets ? |
0.15%
-37.4% YoY
-79.8% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
73% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.