Locally owned and operated FNBT.COM Bank was established in 1956. With our Main Office located in Ft Walton Beach, Florida, o ... n Northwest Florida's Emerald Coast, FNBT.COM Bank offers a variety of products and services, Online Banking, Loans, Safe Deposit Boxes, and Personal and Business Accounts, as well as many other services. We have offices in Crestview, Defuniak Springs, Destin, Hurlburt Field, Mary Esther, Navarre, Niceville, Ocean City, and Seascape. read more