ATM, 108 Santa Rosa Blvd, Fort Walton Beach, FL 32548, US

Chartered in 1948 by the residents of the Emerald Coast, Fla., First City Bank remains the community's oldest independent bank. First City Bank opened with $60,000 in capital, representing the investment of 42 shareholders. In 2005, the bank had over $200 million in assets. The bank has offices in Fort Walton Beach, Destin and Florosa, Fla. First City Bank offers online banking for customers, and checks can be ordered online. The bank handles personal and business banking accounts. First City Bank also has a wealth management division that was created to help individuals and businesses achieve major financial goals.

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