First National Bank of Omaha: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 91.4% lower than in Q1 2026, at $1.4M. Within Nebraska, First National Bank of Omaha is 62nd of 138 on loan-to-deposit ratio, 88.02% as of Q2 2026, above the middle of the field. At 88.02%, First National Bank of Omaha's loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.89B |
| Cash and noninterest-bearing balances to assets | 5.53% |
| Cash and securities | $7.91B |
| Fed funds sold and reverse repos | $1.4M |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $26.3M |
| Other borrowed money | $1.80B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.02% |
| Net loans and leases to deposits | 84.48% |
| Loans and leases to core deposits | 90.33% |
| Core deposits to total deposits | 91.49% |
| Brokered deposits to total deposits | 5.96% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 85.04% | 85.82% | $2.1M | $1.05B |
| Q4 2023 | 86.54% | 83.93% | $3.9M | $1.50B |
| Q1 2024 | 84.44% | 86.46% | $4.6M | $849.1M |
| Q2 2024 | 87.80% | 86.55% | $5.0M | $1.60B |
| Q3 2024 | 86.56% | 87.03% | $4.1M | $1.58B |
| Q4 2024 | 85.48% | 86.95% | $14.0M | $1.44B |
| Q1 2025 | 86.47% | 89.03% | $4.4M | $1.78B |
| Q2 2025 | 89.63% | 90.11% | $8.2M | $2.01B |
| Q3 2025 | 87.79% | 89.23% | $7.3M | $2.00B |
| Q4 2025 | 88.20% | 91.67% | $50.0M | $1.98B |
| Q1 2026 | 86.14% | 90.35% | $22.2M | $1.69B |
| Q2 2026 | 88.02% | 91.49% | $26.3M | $1.80B |
First National Bank of Omaha liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Omaha, freeSource: Call Report Schedules RC and RC-M, 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)