First National Bank of Omaha: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.20 percentage points higher than in Q1 2026, at 355.78%. Within Nebraska, First National Bank of Omaha is 31st of 138 on return on assets, 1.85% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets. First National Bank of Omaha sits 0.56 points higher, at 1.85% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.64% |
| Tier 1 risk-based capital ratio | 12.64% |
| Total risk-based capital ratio | 13.92% |
| Tier 1 leverage ratio | 10.83% |
| Equity capital to assets | 11.74% |
| Tangible equity to tangible assets | 10.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.13% |
| Non-performing assets ratio | 0.84% |
| Net charge-off ratio | 1.73% |
| Texas ratio | 6.56% |
| Allowance for credit losses to loans | 4.03% |
| Reserve coverage of non-performing loans | 355.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 16.26% |
| Net interest margin | 6.44% |
| Efficiency ratio | 46.76% |
| Yield on earning assets | 8.29% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.02% |
| Core deposits to total deposits | 91.49% |
| Brokered deposits to total deposits | 5.96% |
| Deposits to assets | 81.21% |
| Securities to assets | 17.60% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.70% | 10.70% | 11.96% | 9.60% | 0.97% |
| Q4 2023 | 10.49% | 10.49% | 11.75% | 9.49% | 0.22% |
| Q1 2024 | 10.91% | 10.91% | 12.18% | 9.60% | 1.66% |
| Q2 2024 | 11.35% | 11.35% | 12.61% | 10.11% | 1.39% |
| Q3 2024 | 11.62% | 11.62% | 12.89% | 10.08% | 0.63% |
| Q4 2024 | 11.90% | 11.90% | 13.17% | 10.39% | 1.58% |
| Q1 2025 | 12.08% | 12.08% | 13.35% | 10.51% | 1.20% |
| Q2 2025 | 12.45% | 12.45% | 13.73% | 10.98% | 1.63% |
| Q3 2025 | 12.84% | 12.84% | 14.11% | 11.34% | 1.92% |
| Q4 2025 | 11.64% | 11.64% | 12.91% | 10.18% | 1.34% |
| Q1 2026 | 11.99% | 11.99% | 13.27% | 10.41% | 1.73% |
| Q2 2026 | 12.64% | 12.64% | 13.92% | 10.83% | 1.85% |
First National Bank of Omaha vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Omaha, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)