SOUTHERN NATIONAL BANKS INC is the parent banking group. FNBT BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

FHD

SOUTHERN NATIONAL BANKS INC

Legal name: SOUTHERN NATIONAL BANKS, INC.

1 active bank · $654M combined assets

RSSD ID: 1129823 (FFIEC NIC)

Combined Assets

$654M

CRA Rating Summary

Satisfactory1charter

Across all 5 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFNBT BANKFORT WALTON BEACH, FLSatisfactory$654MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$654M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$583M

Net Income

$2M

ROA (avg)

1.54%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FNBT BANK	FORT WALTON BEACH, FL	FDIC	$654M	100.0%	Satisfactory	Sep 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.