Florida Banking September 2021

“ OUR CLIENTS HAVE A GREAT DEAL OF TRUST IN US ... THEY HAVE SEEN ALL THE LOCAL BANKS COME AND GO, AND AFTER 65 YEARS WE ARE THE SAME BANK WITH THE SAME FAMILY OWNERSHIP. WE HAVE POSITIONED OURSELVES TO BE SURVIVORS. ” - JOHN TRINGAS

knit, long-term, confidential relationships by providing superior banking services and products. Its motto is “Our Business is Banking, Our Specialty is People.” “We are the last family-owned local community bank in our area. FNBT is for customers who want the best personal customer service,” Tringas said. “We have 23 folks who have worked here for over 20 years. I’ve found that if you want to become better at anything you do, it helps to hang around people who are smarter than you.” Tringas says that everyone on his team makes him look good: Larry Beasley, Jimmy Tucker, Mona Salter, Gayle Carmichael, Marklyn Wade, Skip Rainer, and his brother Alex Tringas and sister Lark

Jack Henry Silver Lake software. The bank started its subsidiary First Banking Services of the South (FBS) in 1993 to provide core data processing for other banks. “Not many banks were willing to take on the risk of the credit card business, but we did,”Tringas said.“FBS now processes our credit cards, and we’re looking for other banks that would like us to process them or help them get into the credit card business.” At one time, FBS processed for 12 banks, three of which were 3-8 billion dollar banks. Today, mergers and acquisitions have reduced those numbers, but FBS is still in the data business. FNBT also has a private banking division. “Suite 100” was designed to establish and maintain close

The FNBT team in the lobby of the main branch in Fort Walton Beach.

10 — FLORIDA BANKING THE VOICE OF FLORIDA BANKING