First National Bank of Omaha
Also written as FNB of Omaha
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Omaha is an FDIC-insured commercial bank headquartered in Omaha, NE, established in 1857 (FDIC certificate 5452), and it is supervised by the OCC. At Q2 2026 it reported total assets of $34.20B, up 8.4% from Q2 2025, the largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 12.64% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5452
- Headquarters
- Omaha, NE
- Established
- 1857
- Total assets, Q2 2026
- $34.20B
- Assets vs Q2 2025
- +8.4%
- CET1 ratio, Q2 2026
- 12.64%
- Domestic offices
- 139 FDIC institution directory, current count
- Routing number
- 104000016
- Latest call report
- Q2 2026, FFIEC 041 · First National Bank of Omaha call report
- Holding company
- FIRST NATIONAL OF NEBRASKA, INC.
- Asset rank in state
- 1st of 138 in Nebraska
First National Bank of Omaha earns an unusually wide margin on its lending. The Omaha, Nebraska bank had $34.2 billion in assets at June 30, 2026, up 8.4% from a year earlier. It keeps 6.44 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 3.63 cents). It also earns about $1.85 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.32).
Net income for the quarter rose 25% from a year earlier, to $160 million.
As of June 30, 2026, First National Bank of Omaha reported a CET1 capital ratio of 12.64%, a return on assets of 1.85%, a nonperforming-loan ratio of 0.78% and a Texas ratio of 4.34%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, First National Bank of Omaha is the largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.5% to $34.20B, loans fell 0.6% and deposits fell 2.7%. The largest part of its loan book on June 30, 2026 was credit card loans, at 31.8% of total loans, ahead of agricultural production loans at 12.8%. The FDIC Summary of Deposits lists 138 offices for it, in 67 cities across 9 states; its Omaha 21 offices book 50% of its branch deposits. Judged on its Q2 2026 call report, First National Bank of Omaha meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1601 Capitol Avenue, Omaha, NE 68102
- County
- Douglas
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1857
- Domestic offices
- 139 FDIC institution directory, current count
- Employees (FTE)
- 4,255
- Domestic deposits
- $27.78B
- Allowance for credit losses
- $985.3M
- Net charge-offs (YTD)
- $227.2M
- Average total assets
- $34.62B
- Average total loans
- $24.46B
- Average interest-bearing deposits
- $21.40B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5452
- Fed RSSD
- 527954
- SEC CIK
- 1038467 → filed by LAURITZEN CORPORATION
- Website
- www.fnbo.com →
- Parent Holding Company
- FIRST NATIONAL OF NEBRASKA, INC. (RSSD 1020902)
- Ultimate Parent
- LAURITZEN CORPORATION (RSSD 1066209)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank of Omaha's total assets ran between $29.97B (Q3 2023) and $34.73B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$34.20B total assets against $31.56B; $30.19B total liabilities against $28.13B.
$23.46B net loans and leases against $21.94B; $27.78B total deposits against $25.52B.
$6.02B securities against $5.46B; $1.89B cash and balances due against $1.65B.
$672.4M total interest income against $639.6M; $150.5M total interest expense against $155.5M.
$521.9M net interest income against $484.0M.
$116.7M total noninterest income against $101.6M; $304.2M total noninterest expense against $271.4M.
$129.5M provision for credit losses against $148.5M.
$160.3M net income against $128.1M.
1.85% return on assets against 1.63%; 6.44% net interest margin against 6.54%.
12.64% CET1 capital ratio against 12.45%; 10.83% tier 1 leverage ratio against 10.98%.
Inside the full First National Bank of Omaha terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Omaha rankings
Its closest position to the top of a national ranking is 63 of 4,196, for total assets; its furthest is 1,518 of 2,134, for CET1 ratio.
Banks merged into First National Bank of Omaha
- Blue Ridge Bank and Trust Co., effective October 1, 2026
- Country Club Bank, effective October 1, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.63% (Q3 2024) to 1.92% (Q3 2025) and its net interest margin ran from 6.27% (Q3 2024) to 6.66% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.64% | 1.85% | 0.78% | 4.34% | 6.44% |
| Q1 2026 | 11.99% | 1.73% | 0.77% | 4.40% | 6.36% |
| Q4 2025 | 11.64% | 1.34% | 0.81% | 4.78% | 6.46% |
| Q3 2025 | 12.84% | 1.92% | 0.77% | 4.15% | 6.66% |
| Q2 2025 | 12.45% | 1.63% | 0.78% | 4.46% | 6.54% |
| Q1 2025 | 12.08% | 1.20% | 0.84% | 4.91% | 6.39% |
| Q4 2024 | 11.90% | 1.58% | 0.92% | 5.65% | 6.40% |
| Q3 2024 | 11.62% | 0.63% | 0.76% | 4.60% | 6.27% |
Swipe the table sideways to see every column.
Branch Network
View all 138 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank of Omaha (main office) | Omaha , NE | 68102 | $10.33B |
| First National Bank Branch | Fort Collins , CO | 80521 | $1.18B |
| 1 Ward Parkway Branch | Kansas City , MO | 64112 | $751.7M |
| 132nd Street Branch | Omaha , NE | 68144 | $592.3M |
| 141 West Lincoln Highway Branch | Dekalb , IL | 60115 | $521.7M |
| Union Colony Bank Branch | Greeley , CO | 80634 | $469.0M |
| Kearney Branch | Kearney , NE | 68847 | $435.9M |
| Yorkville Branch | Yorkville , IL | 60560 | $433.5M |
| 175th and West Center Road Branch | Omaha , NE | 68130 | $406.1M |
| College Blvd Branch | Overland Park , KS | 66211 | $391.9M |
| 132nd and Maple Branch | Omaha , NE | 68164 | $377.3M |
| Iris Avenue Branch | Boulder , CO | 80301 | $367.3M |
| South 144th Street Branch | Omaha , NE | 68137 | $347.9M |
| Fremont Branch | Fremont , NE | 68025 | $332.1M |
| First National Auto Branch | Columbus , NE | 68601 | $281.6M |
| Dodge Street Branch | Omaha , NE | 68154 | $281.5M |
| 7818 Cass Street Branch | Omaha , NE | 68114 | $278.4M |
| 90th and Fort Branch | Omaha , NE | 68134 | $272.5M |
| North Platte Branch | North Platte , NE | 69101 | $254.2M |
| 84th and Frederick Branch | Omaha , NE | 68124 | $247.8M |
| First National Bank of South Dakota Branch | Yankton , SD | 57078 | $235.3M |
| Boardwalk Branch | Fort Collins , CO | 80525 | $233.2M |
| La Vista City Centre Branch | La Vista , NE | 68128 | $227.6M |
| Haymarket Canopy Lofts Branch | Lincoln , NE | 68508 | $215.1M |
| 14310 Fnb Parkway Branch | Omaha , NE | 68154 | $212.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2026 | Structure Change | Acquired Blue Ridge Bank and Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2025 | Structure Change | Acquired Country Club Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2024 | Structure Change | Acquired Diversified Financial Services, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2022 | Structure Change | Acquired Western States Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 28, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 28, 2014 | Structure Change | Acquired First National Bank South Dakota Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2014 | Structure Change | Acquired The Fremont National Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2010 | Structure Change | Acquired First National Bank of Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 30, 2010 | Structure Change | Acquired Infibank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 30, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 9, 2008 | Structure Change | Acquired Mills County Bank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 9, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 1989 | Structure Change | Acquired First of Omaha Savings Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 21, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 1988 | Structure Change | Acquired First Security Bank & Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 7, 1984 | Structure Change | Acquired David City Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 6, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 24 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 6 against the institution (OCC); 4 against individuals associated with it
- August 18, 2016, OCC: C&D or PC&D Requiring Restitution: First National Bank of Omaha
- August 18, 2016, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank of Omaha
- August 18, 2016, OCC: Civil Money Penalty (CMP): First National Bank of Omaha
- March 20, 2009, OCC: Civil Money Penalty (CMP): First National Bank of Omaha
- August 7, 2006, OCC: Civil Money Penalty (CMP): First National Bank of Omaha
- Period: Most recent institution action August 18, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 18.4% of deposits in NE, rank 1 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6,317 applications, 3,757 loans originated, $1.26B originated, across 45 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 21 loans, $6.5M approved, $311K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 682 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank of Omaha
What are First National Bank of Omaha's total assets?
As of the Q2 2026 filing, First National Bank of Omaha reported total assets of $34.20 billion in its FFIEC call report.
Where is First National Bank of Omaha headquartered?
It is headquartered in Omaha, NE, United States.
When was First National Bank of Omaha founded?
It was established in 1857, per the FDIC institution directory.
Is First National Bank of Omaha FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5452). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Omaha?
First National Bank of Omaha's primary federal regulator is the OCC.
What is First National Bank of Omaha's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.64% in its Q2 2026 call report, above regulatory requirements.
How many branches does First National Bank of Omaha operate?
It operates 139 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Omaha's Texas Ratio?
Its Texas Ratio is 4.34% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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