BlastPoint's Banking Scorecard
FNBT BANK
Community
Specialty: Other
FL
FDIC cert 17580
Fort Walton Beach, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
FNBT BANK has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.88% above tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 16.90% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 70% in Community
- - Loan-to-Deposit Ratio 38.03% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$635.4M
+6.0% YoY
+3.4% QoQ
|
-$756.0M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$254.8M
-1.6% YoY
-2.8% QoQ
|
-$720.7M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$565.8M
+6.1% YoY
+4.2% QoQ
|
-$598.8M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
2.04%
-12.9% YoY
-0.9% QoQ
|
+0.88% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
3.61%
-8.2% YoY
-1.0% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
55.47%
+6.8% YoY
+0.7% QoQ
|
-7.16% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.00%
-83.9% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
45.03%
-7.3% YoY
-6.7% QoQ
|
-38.03% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.32%
-9.1% YoY
-5.8% QoQ
|
+3.27% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.00%
-85.1% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
27.14%
+11.9% YoY
+2.9% QoQ
|
+16.90% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.73%
-25.9% YoY
+21.3% QoQ
|
-0.01% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 9%
in Community
Why this stands out
Current:
2.04%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
27.14%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Margin Compression
decline
#84 of 120 · Bottom 70% in Community
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:
2.04%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Bottom 3%
in Community
Why this stands out
Current:
45.03%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Tier 1 Capital Ratio
Current: 27.14% · Tier avg: 10.24%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.16%
72
72th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.74%
71
71th pctile
Efficiency Ratio
Current: 55.47% · Tier avg: 62.63%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.32% · Tier avg: 21.05%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
24
24th pctile
Total Deposits
Current: $565.8M · Tier avg: $1.2B
19
19th pctile
Total Assets
Current: $635.4M · Tier avg: $1.4B
3
3th pctile
Loan-to-Deposit Ratio
Current: 45.03% · Tier avg: 83.06%
2
2th pctile
Total Loans
Current: $254.8M · Tier avg: $975.5M
Top Weaknesses
2
2th pctile
Total Loans
Current: $254.8M · Tier avg: $975.5M
3
3th pctile
Loan-to-Deposit Ratio
Current: 45.03% · Tier avg: 83.06%
19
19th pctile
Total Assets
Current: $635.4M · Tier avg: $1.4B
24
24th pctile
Total Deposits
Current: $565.8M · Tier avg: $1.2B
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.32% · Tier avg: 21.05%
71
71th pctile
Efficiency Ratio
Current: 55.47% · Tier avg: 62.63%
72
72th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.74%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.16%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
98
98th pctile
Tier 1 Capital Ratio
Current: 27.14% · Tier avg: 10.24%