First National Bank of Omaha: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 10.3% lower than in Q1 2026, at -$211.4M. First National Bank of Omaha ranks 41st of 57 Nebraska banks on CET1 ratio, in the lower half at 12.64% (Q2 2026). At 12.64%, First National Bank of Omaha's CET1 ratio is close to the 12.96% median for banks in the $10B-100B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.64% |
| Tier 1 risk-based capital ratio | 12.64% |
| Total risk-based capital ratio | 13.92% |
| Tier 1 leverage ratio | 10.83% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $3.69B |
| Tier 1 capital | $3.69B |
| Total risk-based capital | $4.06B |
| Total equity capital | $4.01B |
| Risk-weighted assets | $29.21B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.74% |
| Tangible equity to tangible assets | 10.32% |
| Equity capital to average assets | 11.59% |
| Internal capital growth rate | 16.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.7M |
| Common stock surplus | $930.3M |
| Retained earnings | $3.29B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$211.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.70% | 10.70% | 11.96% | 9.60% | $27.13B |
| Q4 2023 | 10.49% | 10.49% | 11.75% | 9.49% | $27.88B |
| Q1 2024 | 10.91% | 10.91% | 12.18% | 9.60% | $27.34B |
| Q2 2024 | 11.35% | 11.35% | 12.61% | 10.11% | $27.89B |
| Q3 2024 | 11.62% | 11.62% | 12.89% | 10.08% | $27.68B |
| Q4 2024 | 11.90% | 11.90% | 13.17% | 10.39% | $27.48B |
| Q1 2025 | 12.08% | 12.08% | 13.35% | 10.51% | $27.29B |
| Q2 2025 | 12.45% | 12.45% | 13.73% | 10.98% | $27.53B |
| Q3 2025 | 12.84% | 12.84% | 14.11% | 11.34% | $27.91B |
| Q4 2025 | 11.64% | 11.64% | 12.91% | 10.18% | $29.58B |
| Q1 2026 | 11.99% | 11.99% | 13.27% | 10.41% | $29.39B |
| Q2 2026 | 12.64% | 12.64% | 13.92% | 10.83% | $29.21B |
First National Bank of Omaha regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Omaha, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of Omaha profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5452) · FFIEC NIC profile (RSSD 527954)