FNBT BANK
✓ FDIC-insured · Active FDIC Certificate #17580
FNBT BANK is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Fort Walton Beach, Florida, established in 1956. As of the 06/30/2026 FDIC call report, it reported $629M in total assets and $556M in deposits. FDIC location data lists 11 offices in Florida. The FDIC classifies it as a community bank. It is owned by the holding company SOUTHERN NATIONAL BANKS INC (Fort Walton Beach, FL).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 11 of FNBT BANK's FDIC-listed offices are in Florida. Browse banks in Fort Walton Beach for other local options.
Branch locations
| FNBT BANK Fnbt Bank · Full Service - Brick And Mortar | 29 Eglin Pkwy Ne Fort Walton Beach, FL 32548 Map ↗ |
| FNBT BANK Hulburt Field Branch · Limited Service - Military Facility | 108 Lielmanis Ave Hurlburt Field, FL 32544 Map ↗ |
| FNBT BANK Destin Branch · Full Service - Brick And Mortar | 415 Highway 98 E Destin, FL 32541 Map ↗ |
| FNBT BANK Mary Esther Branch · Full Service - Brick And Mortar | 3 Mary Esther Cutoff Mary Esther, FL 32569 Map ↗ |
| FNBT BANK Crestview Branch · Full Service - Brick And Mortar | 885 S Ferdon Blvd Crestview, FL 32536 Map ↗ |
| FNBT BANK Niceville Branch · Full Service - Brick And Mortar | 1065 John Sims Pkwy E Niceville, FL 32578 Map ↗ |
| FNBT BANK Navarre Branch · Full Service - Brick And Mortar | 1803 Alhambra St Navarre, FL 32566 Map ↗ |
| FNBT BANK Defuniak Springs Branch · Full Service - Brick And Mortar | 11 State Highway 83 De Funiak Springs, FL 32433 Map ↗ |
| FNBT BANK Fort Walton Main Branch · Limited Service - Consumer Credit | 29 Eglin Pkwy Ne Fort Walton Beach, FL 32548 Map ↗ |
| FNBT BANK Highway 98 West Branch · Full Service - Brick And Mortar | 11490 Us Highway 98 W Destin, FL 32550 Map ↗ |
| FNBT BANK Shalimar Branch · Full Service - Brick And Mortar | 1104 N Eglin Pkwy Shalimar, FL 32579 Map ↗ |
Holding company: SOUTHERN NATIONAL BANKS INC
The FDIC lists SOUTHERN NATIONAL BANKS INC, based in Fort Walton Beach, FL, as the top holding company for FNBT BANK. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Florida
Active FDIC-insured banks headquartered in Florida with total assets closest to FNBT BANK's $629M. See all banks in Florida.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| First Bank | Clewiston | $811M | 7 |
| Anchor Bank | Palm Beach Gardens | $806M | 9 |
| Flagship Bank | Clearwater | $803M | 7 |
| Axiom Bank, National Association | Maitland | $732M | 7 |
| Florida Capital Bank, National Association | Jacksonville | $713M | 5 |
| Sunrise Bank | Orlando | $623M | 4 |
| Sunstate Bank | Miami | $580M | 3 |
| Intracoastal Bank | Palm Coast | $573M | 3 |
FNBT BANK: common questions
Is FNBT BANK FDIC-insured?
Yes. FNBT BANK is an active FDIC-insured institution, FDIC Certificate #17580. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is FNBT BANK headquartered?
FNBT BANK is headquartered at 29 Eglin Pkwy Ne, Fort Walton Beach, FL 32548, according to FDIC records.
How many branches does FNBT BANK have?
FDIC location data lists 11 offices for FNBT BANK, all in Florida.
Who owns FNBT BANK?
The FDIC lists SOUTHERN NATIONAL BANKS INC of Fort Walton Beach, FL as the top holding company for FNBT BANK.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.