Fnbt Bank (FDIC #17580): Bank Stress & Real-Estate Credit Exposure

Fnbt Bank (FDIC Cert #17580): bank stress 56/100, moderate, STABLE over 7 days; parent SOUTHERN NATIONAL BANKS INC.

Fnbt Bank (#17580) lends in 3 counties across 1 state; Fnbt Bank (#17580) reaches 32 ZIP codes: Florida 3 counties, 32 ZIPs.

Fnbt Bank (#17580) largest markets: Okaloosa County, FL (98 branches, 14 ZIPs) (#17580), Walton County, FL (26 branches, 13 ZIPs) (#17580), Santa Rosa County, FL (10 branches, 10 ZIPs) (#17580).

Fnbt Bank (#17580) reports $628.5 million in total assets; Fnbt Bank (#17580) equity $70.8 million (11.3% of Fnbt Bank (#17580) assets); Fnbt Bank (#17580) domestic deposits $555.9 million; Fnbt Bank (#17580) net income $4.8 million; Fnbt Bank (#17580) return on assets 1.51%; Fnbt Bank (#17580) return on equity 13.95%; Fnbt Bank (#17580) net interest income $10.1 million; Fnbt Bank (#17580) call report June 30, 2026.

Fnbt Bank (#17580) noncurrent real-estate loans: none reported; Fnbt Bank (#17580) net charge-offs on real estate 0.00%.

Fnbt Bank (#17580) net interest margin 3.23% against an eight-quarter Fnbt Bank (#17580) average of 3.61% (Fnbt Bank (#17580) compression 0.38 points); Fnbt Bank (#17580) rate-exposure score 40/100, Fnbt Bank (#17580) fixed-rate trap 40/100; Fnbt Bank (#17580) risk type credit driven; Fnbt Bank (#17580) rate regime rates elevated, Fnbt Bank (#17580) snapshot October 19, 2026.

Fnbt Bank (#17580) stress score moved from 56.7 on June 22, 2026 to 56 on October 19, 2026; Fnbt Bank (#17580) ranged 56 to 56.7 over 116 snapshots.

Fnbt Bank (#17580) alerts: 3 counties; top Fnbt Bank (#17580) alert scores: Miramar Beach County, FL 19 (low); Navarre County, FL 19 (low); Shalimar County, FL 19 (low).