A Local Bank, Built for Local People

More than 70 years ago, Jimmy Tringas opened a bank for one simple reason: local people deserved a local bank. A bank that knew their names, understood their businesses, and could make decisions quickly - without sending paperwork halfway across the country.

That bank became FNBT. And the Tringas family still leads it today.

We share that not to boast, but because it matters. It means when you call, you reach a real person — not a computer, not a call center, not an automated system. It means when you have a question about your account, your card, or your loan, someone here can actually answer it, because the people making the decisions live and work in this community, right alongside you.

For three generations, we’ve watched this coast grow. We’ve financed the boats, the businesses, the land, and the homes that built the communities we serve. And we’ve supported families with everyday banking - checking and savings accounts, debit and credit cards, and the financial tools people rely on to live their lives.

And because we’re local, loan decisions don’t take weeks of waiting on an out‑of‑state office. They can happen in minutes.

That’s the difference 70 years and one committed family can make.

If you’re ready to take the next step, our Loan Officers are here for you. They genuinely want to help you move forward, and we have millions available to lend.

Mission Statement