FNBT Bank
FNBT Bank is a privately held community bank founded in 1954 and headquartered in Fort Walton Beach, Florida, serving individual consumers and small businesses across the Emerald Coast region with checking, savings, credit cards, home loans, and digital banking services.
- Company typePrivate
- Founded1954
- HeadquartersFlushing, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What FNBT Bank does
FNBT Bank is a privately held community bank founded in 1954 and headquartered at 29 North Eglin Parkway in Fort Walton Beach, Florida. The bank serves the Emerald Coast region of Florida, providing personal and business banking services to individual consumers and local small business owners, with FDIC-insured deposits, Equal Housing Lender status, and NMLS #421439 registration.
The bank's product surface is centered on a traditional retail banking offering: checking and savings accounts, credit cards, and home loans, delivered through a regional branch and ATM network on the Emerald Coast. Digital service delivery relies on a third-party online banking platform provided by Netteller and native mobile banking applications for iPhone and Android, supplemented by add-on modules including Home Deposit (remote deposit capture), eStatements (paperless statements), and a Secure Email channel for sensitive communications. A Business Continuity and Recovery Plan is published on the website, addressing operational resilience and customer access during disruptions.
The business model is a standard community bank net interest income model funded by deposits and deployed into loans and securities, augmented by fee income from credit cards and treasury services for local small businesses. GTM is primarily physical: branch-based relationship banking supported by a Facebook social presence and a website portal that links to product brochures, enrollment, and customer service. Partnerships with Raymond James (investment and financial planning referral) and Florida's My Money (financial education) extend wallet share with existing customers but do not signal new geographic or vertical expansion.
FNBT Bank firmographics
Firmographics- Name
- FNBT Bank
- Legal name
- FNBT Bank
- Website
- https://fnbt.com
- Company type
- Private
- Founded year
- 1954
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- FNBT Bank is a privately held community bank founded in 1954 and headquartered in Fort Walton Beach, Florida, serving individual consumers and small businesses across the Emerald Coast region with checking, savings, credit cards, home loans, and digital banking services.
- Ownership category
- akta.pro rank
FNBT Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
Keywords
Where FNBT Bank is headquartered
LocationHeadquarters
- HQ city
- Flushing
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
FNBT Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Distribution channels3 records
Marketing channels2 records
FNBT Bank product offering
Product offeringCore offering
FNBT Bank is a community bank that provides personal and small-business banking products, including checking accounts, savings accounts, credit cards, and home loans, funded through customer deposits. Customers access these services via a regional branch and ATM network as well as digital channels including an online banking platform and a native mobile banking app for iPhone and Android.
Product overview
FNBT Bank offers a single unified digital banking platform centered around FNBT.com Online Banking and Mobile Banking apps for iPhone and Android. The core banking services are supplemented by add-on modules including Home Deposit (remote deposit capture), Credit Cards, eStatements, and Secure Email communication. The bank serves the Emerald Coast region of Florida, providing consumer and business banking with FDIC insurance coverage.
Differentiator
Problem solved
Functional benefit
Products and services
- FNBT.com Online Banking Primary digital banking platform that enables customers to access accounts, transfer funds, pay bills, enroll in online banking, and reset passwords online, serving as the digital entry point for personal and small business banking customers.
- Mobile Banking App Native mobile application for iPhone and Android devices that delivers banking services on the go, including account access and mobile deposits, targeting individual consumers and small business customers who prefer smartphone-based banking.
- Credit Cards Credit card products including business and personal credit cards with online activation and account management, offered to bank customers and activated through the FNBT card portal.
Companies that use FNBT Bank
Customer profileSegments2 records
Ideal customer profiles2 records
FNBT Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
FNBT Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- Florida's My MoneyminorPartnership with Florida's My Money financial education program, which provides resources for Florida residents to learn about personal finance.
- NettellercoreOnline banking platform provider used by FNBT Bank for customer online banking access.
Scale indicators2 records
Recent moves6 records
Expansion highlights3 records
FNBT Bank competitors and assessment
Company assessmentDirect peers
- Capital City Bank: North Florida-headquartered community bank serving individuals and small businesses with traditional deposit, lending, and digital banking services — directly comparable geography and customer base to FNBT.
- Centennial Bank: Arkansas-based but with a strong Florida Gulf Coast presence, offering community retail and commercial banking with online/mobile channels similar to FNBT's omnichannel model.
- United Community Bank: Southeast-focused regional community bank offering retail and small business banking with a branch-and-digital model structurally similar to FNBT's Emerald Coast operation.
- Beach Community Bank: Small Florida Gulf Coast community bank serving similar coastal markets with comparable deposit, lending, and digital banking products to FNBT.
Broad incumbents
- First Horizon Bank: Large Southeast-headquartered regional bank offering retail, commercial, and wealth services that compete for the same small business and consumer customers FNBT serves on the Emerald Coast.
- Regions Bank: Major Southeast regional bank with extensive Florida branch and digital coverage — a key competitor for deposits, loans, and small business customers in FNBT's footprint.
- SouthState Bank: Large Southeast regional bank with a full retail and commercial banking suite plus digital channels, representing the consolidation path that successful community banks like FNBT could pursue.
- Trustmark Bank: Diversified Southeast regional bank with retail, commercial, and wealth management lines — provides a broader incumbent benchmark against which FNBT's narrower community banking scope can be measured.
Others
- Netteller: Online and mobile banking platform provider that powers FNBT's digital channels; a key technology partner whose roadmap directly shapes FNBT's digital product capabilities.
Regional players
- First Federal Bank: Florida-based community bank providing retail and small business banking with a multi-region Florida footprint, comparable to FNBT's community banking model and deposit-and-loan product mix.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
FNBT Bank social profiles
Digital presenceFNBT Bank compliance and trust
Trust signalCompliance3 records
FNBT Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
FNBT Bank leadership team
Management profileNumber of profiles
FNBT Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
FNBT Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FNBT Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FNBT Bank
What does FNBT Bank do?
FNBT Bank is a community bank that provides personal and small-business banking products, including checking accounts, savings accounts, credit cards, and home loans, funded through customer deposits. Customers access these services via a regional branch and ATM network as well as digital channels including an online banking platform and a native mobile banking app for iPhone and Android.
Is FNBT Bank a public or private company?
FNBT Bank is a private company. It is classified as unknown and is currently operating.
When was FNBT Bank founded?
FNBT Bank was founded in 1954. It employs 101 to 250 people.
Where is FNBT Bank based?
FNBT Bank is headquartered in Flushing, United States, in the North America region.
Who are FNBT Bank's main competitors?
Direct peers on record are Capital City Bank, Centennial Bank, United Community Bank and Beach Community Bank. Broad incumbents are First Horizon Bank, Regions Bank, SouthState Bank and Trustmark Bank. Netteller is listed as an others. First Federal Bank is listed as a regional player.
Does FNBT Bank have an API?
No public API is recorded for FNBT Bank.
What industry is FNBT Bank in?
FNBT Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks). Its NAICS code is 52211 and its SIC code is 6022.