First National Bank of Omaha: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First National Bank of Omaha is an FDIC-insured commercial bank. Total assets stand at $34.2B. The bank posts a strong 1.85% ROA and 16.26% ROE. Capital cushions are healthy: 12.64% CET1, 10.83% Tier 1 leverage. Credit metrics are in line with industry norms, 1.13% NPL ratio. First National Bank of Omaha runs a 139-branch network across multiple states.
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 1.13%, a Texas ratio of 6.56%, per financial data filed with the FFIEC.
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
- Offices
- 139 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First National Bank of Omaha terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First National Bank of Omaha, freeFirst National Bank of Omaha rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no 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
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.64% | 1.85% | 1.13% | 6.56% | 6.44% |
| Q1 2026 | 11.99% | 1.73% | 1.12% | 6.66% | 6.36% |
| Q4 2025 | 11.64% | 1.34% | 1.18% | 7.31% | 6.46% |
| Q3 2025 | 12.84% | 1.92% | 1.21% | 6.75% | 6.66% |
| Q2 2025 | 12.45% | 1.63% | 1.09% | 6.48% | 6.54% |
| Q1 2025 | 12.08% | 1.20% | 1.07% | 6.51% | 6.39% |
| Q4 2024 | 11.90% | 1.58% | 1.28% | 8.26% | 6.40% |
| Q3 2024 | 11.62% | 0.63% | 1.15% | 7.29% | 6.27% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 138 branches →
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2025 | Structure Change | Acquired Country Club Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 14, 2022 | Structure Change | Acquired Western States Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2014 | Structure Change | Acquired Platte Valley State Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2010 | Structure Change | Acquired First National Bank 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 | 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 |
| February 9, 2008 | 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 |
| 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
What the public regulatory sources show for First National Bank of Omaha, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 161 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.
- Consumer complaints
- 681 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of Omaha headquartered?
First National Bank of Omaha is headquartered in Omaha, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of Omaha founded?
First National Bank of Omaha was established in 1857, per the FDIC institution directory.
Is First National Bank of Omaha FDIC-insured?
Yes. First National Bank of Omaha 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank of Omaha's CET1 capital ratio?
First National Bank of Omaha 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?
First National Bank of Omaha 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?
First National Bank of Omaha's Texas Ratio is 6.56% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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