First National Bank of Omaha: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 11.56 percentage points in Q2 2026, from 109.20% to 97.65%. It was the largest change from Q1 2026 among the key lines here. First National Bank of Omaha ranks 62nd of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 88.02% (Q2 2026). 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $24.45B |
| Net loans and leases | $23.46B |
| Loans held for sale | $42.8M |
| Loans to total assets | 71.49% |
| Loan-to-deposit ratio | 88.02% |
| Net loans to equity capital | 5.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.44% |
| Multifamily (5+ residential) | 2.49% |
| Commercial and industrial | 10.28% |
| Consumer | 40.37% |
| Credit cards | 31.84% |
| Farm | 1.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 97.65% |
| Construction concentration (Tier 1 capital + allowance) | 40.25% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 9.82% |
| Interest income on loans | $601.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $21.96B | $25.83B | 13.05% | 9.97% | 45.98% |
| Q4 2023 | $22.79B | $26.34B | 12.75% | 10.33% | 45.00% |
| Q1 2024 | $22.44B | $26.58B | 13.25% | 10.47% | 43.67% |
| Q2 2024 | $23.11B | $26.32B | 12.78% | 10.03% | 42.67% |
| Q3 2024 | $22.95B | $26.52B | 12.71% | 9.86% | 42.54% |
| Q4 2024 | $22.92B | $26.81B | 12.56% | 9.45% | 42.95% |
| Q1 2025 | $22.61B | $26.15B | 12.84% | 9.36% | 42.54% |
| Q2 2025 | $22.87B | $25.52B | 12.74% | 9.36% | 42.82% |
| Q3 2025 | $22.93B | $26.12B | 13.24% | 9.33% | 42.12% |
| Q4 2025 | $24.83B | $28.16B | 14.31% | 10.06% | 40.13% |
| Q1 2026 | $24.60B | $28.56B | 14.79% | 10.37% | 39.35% |
| Q2 2026 | $24.45B | $27.78B | 14.44% | 10.28% | 40.37% |
First National Bank of Omaha loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Omaha, freeSource: Call Report Schedule RC-C, 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)