FNBT BANK

FNBT BANK is a currently active other specialized under 1 billion banking institution headquartered in Fort Walton Beach, Florida. Established in 04/09/1956, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, FNBT BANK manages $653.6M in total assets and holds $583.4M in customer deposits. When evaluating the stability of FNBT BANK, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 10.47%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.54%, while its Return on Equity (ROE) sits at 14.55%. These robust metrics contribute to an overall health score of 10.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.