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FNBT BANK

Total Branches in Florida: 9

FNBT BANK is a significant financial presence in Florida. The bank maintains 9 branches across the state, with a total of $526,839,000 in deposits as of the latest FDIC Summary of Deposits survey. This translates to approximately $22.58 in deposits per Florida resident and a bank density of about 0.04 branches per 100,000 people. Additionally, with total assets of $596,551,000, the bank has approximately $25.57 in assets per Florida resident.

CRA Ratings and Compliance

The Community Reinvestment Act (CRA) rating reflects the bank's record of meeting the credit needs of its community, including low- and moderate-income areas. The ratings are: Outstanding, Satisfactory, Needs to Improve, and Substantial Noncompliance.

Last CRA Rating (Overall)

Rating: Satisfactory

Date: Sep 01, 2023

Exam Method: Intermediate Small Bank (e.g., Large Bank Exam applies to institutions above a certain asset threshold)

Assets at Exam: $626,993,000

CRA Trend (History)

09/01/2023: Satisfactory

08/01/2020: Satisfactory

10/01/2017: Satisfactory

10/01/2014: Satisfactory

07/01/2011: Satisfactory

Institutional Overview

Registration & History

RSSD ID: 697231

Primary Federal Regulator: Federal Deposit Insurance Corporation

FRS Member: No

Existence Date: N/A

Holding Company Status

BHC Status: Not applicable

Insurance & IDs

Primary Insurer: DIF (Deposit Insurance Fund) (Not valid prior to 03/31/2006)

CUSIP ID: N/A (Identifies stocks and debt securities)

LEI: 5493009KRCLCA83JWE81 (Unique ID for legal entities engaging in financial transactions)

Corporate Structure and Relationships

Controlled Subsidiaries

These are companies that the main bank owns or directs. The listing below shows entities the bank has the power to control (`Controlled`).
If you see 0.00% Equity, it means the bank controls the subsidiary using a legal tool other than voting stock, such as a management contract or a fiduciary arrangement (See Other Basis Ind).