First National Bank of Omaha
First National Bank of Omaha reported total assets of $34.2 bn at Q2 2026, up 8.4% on a year earlier, the 64th largest of 497 banks in our US coverage. The CET1 capital ratio at First National Bank of Omaha was 12.64%, and the uninsured share of First National Bank of Omaha was 33.93%. Source: FDIC Call Reports.
Key takeaways
- Since , First National Bank of Omaha has taken over 3 institutions; the latest was Blue Ridge Bank and Trust Co. on (FDIC Call Reports).
- First National Bank of Omaha has one of the highest net interest margin readings among banks of $10 bn to $100 bn: 6.63% at , against a median of 3.62% across 126 banks (FDIC Call Reports).
- At 1.84%, the net charge-offs to average loans of First National Bank of Omaha sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 0.14% (FDIC Call Reports).
What sets First National Bank of Omaha apart
- On noncurrent loans to total loans, First National Bank of Omaha climbed from 351st to 303rd among 500 US banks between and (1 = lowest).
How large is First National Bank of Omaha?
The balance sheet of First National Bank of Omaha at : assets $34.2 bn, deposits $27.8 bn, net loans $23.5 bn (loans equal to 84.48% of deposits). Securities make up 17.6% of total assets at First National Bank of Omaha. Since , when First National Bank of Omaha held $18.4 bn, its assets grew 85.7%. In the year to , deposits at First National Bank of Omaha rose 8.8% while its total assets rose 8.4%. At , First National Bank of Omaha employed 4,255 full-time equivalent staff across 139 offices, about $8.0 mn of assets per employee and $199.8 mn of deposits per office.
How much funding at First National Bank of Omaha is uninsured?
At First National Bank of Omaha, uninsured deposits (above the FDIC limit) made up 33.93% of domestic deposits at (+0.17 pp on a year earlier); First National Bank of Omaha ranks 261st of 500 on this measure. In dollars, First National Bank of Omaha estimated $9.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $27.8 bn | +8.8% | 64th of 499 |
| Net loans and leases | $23.5 bn | +6.9% | 65th of 500 |
| Loan-to-deposit ratio | 84.48% | -1.50 pp | 286th of 500 |
| Tier 1 leverage ratio | 10.83% | -0.14 pp | 190th of 500 |
| Total risk-based capital ratio | 13.92% | +0.19 pp | 261st of 448 |
| Net interest margin | 6.63% | -0.05 pp | 16th of 500 |
| Return on assets (ROA) | 1.79% | +0.39 pp | 81st of 500 |
| Efficiency ratio | 47.19% | -0.47 pp | 105th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $12.0 mn | Narrowed by $2.7 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $212.2 mn | Narrowed by $8.4 mn | |
| Noncurrent loans to total loans | 0.78% | -0.01 pp | 303rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 1.84% | -0.62 pp | 480th of 500 (1 = lowest) |
US rank of First National Bank of Omaha: 1 = highest unless marked 1 = lowest.
Balance sheet
First National Bank of Omaha: assets, deposits and loans
- Total assets $34.2bn
- Deposits $27.8bn
- Net loans $23.5bn
Capital and securities
The CET1 ratio of First National Bank of Omaha stood at 12.64% in , +0.19 pp year on year. Low and high at First National Bank of Omaha since : 10.44% () to 13.97% (). Equity capital of First National Bank of Omaha at : $4.0 bn, or 11.7% of total assets. First National Bank of Omaha also reported a total capital ratio of 13.92% for , and a tier 1 leverage ratio of 10.83%.
On held-to-maturity securities, First National Bank of Omaha carried an unrealized loss of $12.0 mn at , equal to 0.3% of equity capital. The loss narrowed by $2.7 mn over the year. Its deepest point: $23.3 mn in . The available-for-sale portfolio of First National Bank of Omaha showed an unrealized loss of $212.2 mn at ; the loss narrowed by $8.4 mn over the year.
First National Bank of Omaha: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 11%
First National Bank of Omaha: unrealized securities gains and losses
- Available for sale -$212mn
- Held to maturity -$12mn
Profitability and loan quality
For the year to , First National Bank of Omaha earned a return on equity of 15.91%; return on assets: 1.79%. Net interest margin at First National Bank of Omaha: 6.63%, -0.05 pp in a year. First National Bank of Omaha net income: $308.6 mn, up 38.3% year on year. The efficiency ratio of First National Bank of Omaha was 47.19%: about 47 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.78% of total loans at First National Bank of Omaha; net charge-offs: 1.84% of average loans. Gross loans and leases at First National Bank of Omaha: $24.4 bn, up 6.9% in a year.
First National Bank of Omaha: profitability
- Return on equity 16%
- Net interest margin 6.6%
- Return on assets 1.8%
Peer group of First National Bank of Omaha
The peer group of First National Bank of Omaha is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of First National Bank of Omaha (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Nebraska. Against them, First National Bank of Omaha shows CET1 ratio 12.64% against a peer median of 13.02%, return on equity 15.91% against a peer median of 9.55% and uninsured deposit share 33.93% against a peer median of 38.44%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Commerce Bank | State member bank | MO | $35.0 bn | 15.11% | 11.77% | 38.59% | |
| Banc of California | State member bank | CA | $34.9 bn | 12.68% | -7.92% | 28.88% | |
| BankUnited | National bank | FL | $34.9 bn | 13.01% | 9.55% | 57.91% | |
| First National Bank of Omaha | National bank | NE | $34.2 bn | 12.64% | 15.91% | 33.93% | |
| United Bank | State member bank | VA | $33.6 bn | 13.69% | 9.36% | 38.29% | |
| Texas Capital Bank | State member bank | TX | $33.6 bn | 12.35% | 9.55% | 37.66% | |
| Fulton Bank | National bank | PA | $32.6 bn | 13.03% | 11.84% | 40.46% | |
. FDIC Call Reports.
Last eight quarters
Two years at First National Bank of Omaha, to : assets +7.3%, deposits +4.7%, equity +27.4%. Offices 120 to 139.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $31.9 bn | $32.0 bn | $31.8 bn | $31.6 bn | $32.3 bn | $34.6 bn | $34.7 bn | $34.2 bn |
| Total deposits | $26.5 bn | $26.8 bn | $26.1 bn | $25.5 bn | $26.1 bn | $28.2 bn | $28.6 bn | $27.8 bn |
| Bank equity capital | $3.2 bn | $3.1 bn | $3.3 bn | $3.4 bn | $3.6 bn | $3.7 bn | $3.9 bn | $4.0 bn |
| CET1 ratio | 11.62% | 11.91% | 12.08% | 12.45% | 12.84% | 11.64% | 11.99% | 12.64% |
| Return on equity (ROE) | 13.34% | 14.12% | 11.90% | 13.63% | 14.93% | 14.29% | 15.57% | 15.91% |
| Uninsured share of domestic deposits | 30.85% | 29.64% | 30.30% | 33.76% | 34.12% | 34.45% | 33.62% | 33.93% |
| Full-time equivalent employees | 4,255 | 4,158 | 4,059 | 3,969 | 3,886 | 4,228 | 4,200 | 4,255 |
| Number of offices | 120 | 120 | 120 | 120 | 121 | 141 | 140 | 139 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First National Bank of Omaha, oldest first; figures before and after each event are not like for like.
- . Absorbed Western States Bank (FDIC certificate 58395).
- . Absorbed Country Club Bank (FDIC certificate 8888).
- . Absorbed Blue Ridge Bank and Trust Co. (FDIC certificate 17933).
Questions and identifiers
What were the total assets of First National Bank of Omaha?
First National Bank of Omaha reported $34.2 bn at in its Call Report. That makes First National Bank of Omaha the 64th largest of 497 banks in our US coverage.
Is First National Bank of Omaha the same as its holding company?
No. This page covers First National Bank of Omaha, FDIC certificate 5452; LAURITZEN CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First National Bank of Omaha profitable?
First National Bank of Omaha reported net income of $308.6 mn for the year to ; annualized return on equity: 15.91%. So yes: First National Bank of Omaha made a profit over these months.
When is data for First National Bank of Omaha next updated?
Figures from First National Bank of Omaha for are due after .
Where can I check the figures for First National Bank of Omaha?
In the FDIC BankFind Suite record for certificate 5452, and in the Call Reports of First National Bank of Omaha (RSSD ID 527954) at the FFIEC Central Data Repository.