Bank Comparison
First National Bank of Omaha vs Commerce Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First National Bank of Omaha | Commerce Bank |
|---|---|---|
| CET1 Ratio | 11.99% | 15.39% |
| Tier 1 Capital Ratio | 11.99% | 15.39% |
| Total Capital Ratio | 13.27% | 16.21% |
| Tier 1 Leverage Ratio | 10.41% | 11.31% |
| Equity / Assets | 11.16% | 10.78% |
Profitability
| Metric | First National Bank of Omaha | Commerce Bank |
|---|---|---|
| Return on Assets (ROA) | 1.73% | 1.49% |
| Return on Equity (ROE) | 15.57% | 14.97% |
| Net Interest Margin (NIM) | 6.36% | 3.53% |
| Yield on Earning Assets | 8.25% | 4.68% |
| Cost of Funds | 2.01% | 1.29% |
Asset quality
| Metric | First National Bank of Omaha | Commerce Bank |
|---|---|---|
| Texas Ratio | 6.66% | 3.81% |
| Non-Performing Loan Ratio | 1.12% | 0.56% |
| Non-Performing Asset Ratio | 0.81% | 0.33% |
| Net Charge-Off Ratio | 1.98% | 0.31% |
| ACL / Loans | 3.92% | 0.97% |
Balance sheet
| Metric | First National Bank of Omaha | Commerce Bank |
|---|---|---|
| Total Assets | $34,725M | $35,540M |
| Total Deposits | $28,560M | $28,638M |
| Total Loans | $24,601M | $20,463M |
| Total Equity | $3,873M | $3,831M |
| Net Income (quarter) | $148,345K | $133,109K |
Liquidity & funding
| Metric | First National Bank of Omaha | Commerce Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.14% | 71.45% |
| Core Deposit Ratio | 97.46% | 97.67% |
| Uninsured Deposit Ratio | 33.62% | 39.04% |
Identity
| Metric | First National Bank of Omaha | Commerce Bank |
|---|---|---|
| Headquarters City | OMAHA | KANSAS CITY |
| Headquarters State | NE | MO |
| Asset Tier | Regional | Regional |
| Charter Class | 209 | 15985 |
| Regulator | OCC | OCC |
| Domestic Branches | 141 | 142 |
| Employees (FTE) | 4,200 | 4,797 |
| Established | Jan. 1, 1857, midnight | Jan. 1, 1865, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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