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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).