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Security National Bank of Omaha

$1B-$10B Specialty: Commercial NE FDIC cert 19213

Designations: ✓ Community bank

Omaha, NE

14 branches across NE · IA · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
  • Deposits -1.7% year over year ($1.5B on the books).
  • Delinquency rate 1.05%.
  • Return on assets 1.46%.
  • Efficiency ratio 63.30% vs a 59.73% peer average.
  • Loan-to-deposit ratio 90.70% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in NE
View $1B-$10B leaderboard (NE) →

Security National Bank of Omaha has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.07% above tier average
  • + Net Interest Margin 0.48% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 7.5% in tier
  • - Efficiency Ratio 3.58% above tier average
  • - Delinquency Rate 0.18% above tier average
Get updates when Security National Bank of Omaha releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $1.9B
+2.5% YoY +1.3% QoQ
-$932.9M $2.8B
-0.6% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $1.4B
+1.5% YoY +2.9% QoQ
-$605.5M $2.0B
-0.3% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $1.5B
-1.7% YoY -2.9% QoQ
-$821.9M $2.3B
-0.5% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 1.46%
+17.1% YoY -4.5% QoQ
+0.07% 1.39%
+17.0% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 4.36%
+7.9% YoY +1.1% QoQ
+0.48% 3.87%
+6.2% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 63.30%
-3.2% YoY +1.9% QoQ
+3.58% 59.73%
-12.6% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
36%
Delinquency Rate ? 1.05%
+641.0% YoY -1.2% QoQ
+0.18% 0.87%
+11.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 90.70%
+3.3% YoY +5.9% QoQ
+5.66% 85.04%
-0.1% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
38%
Non-Interest-Bearing Deposit Share ? 25.82%
+14.4% YoY +5.8% QoQ
+4.54% 21.27%
-1.5% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
73%
Nonperforming Asset Ratio ? 0.77%
+625.9% YoY +0.3% QoQ
+0.09% 0.67%
+11.7% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 13.37%
+9.4% YoY -0.9% QoQ
-1.47% 14.84%
-0.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.48%
+4.1% YoY +78.7% QoQ
-0.04% 0.53%
+2.5% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
79%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 25.8%
+3.3pp YoY
+1.4pp QoQ
 +4.4pp 21.4% 17.6% 22.2% 73%
Brokered Deposits 0.6%
-0.5pp YoY
0.0pp QoQ
 -8.8pp 9.5% 8.9% 8.5% 14%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 38.6%
+0.3pp YoY
+1.9pp QoQ
 +24.6pp 14.0% 12.3% 12.5% 95%
CRE 51.5%
+0.4pp YoY
-1.8pp QoQ
 +1.5pp 50.0% 32.3% 41.4% 56%
1-4 Family 6.8%
-0.4pp YoY
+0.2pp QoQ
 -19.7pp 26.4% 16.9% 31.3% 9%
Consumer 2.2%
-0.4pp YoY
-0.5pp QoQ
 -2.5pp 4.7% 3.1% 5.0% 66%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 13.4%
+1.1pp YoY
-0.1pp QoQ
 -2.2pp 15.6% 16.1% 19.7% 47%
Leverage Ratio 10.6%
+0.6pp YoY
-0.3pp QoQ
 -0.7pp 11.3% 12.1% 12.6% 51%
Total Capital Ratio 14.6%
+1.1pp YoY
-0.1pp QoQ
 -2.1pp 16.7% 17.3% 20.8% 49%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 242
+7 (+3.0%) YoY
-2 (-0.8%) QoQ
 -72 313 98 482 52%
Assets per Employee ($) $7.7M
-0.5% YoY
+2.2% QoQ
 -$2.8M $10.5M $8.5M $8.8M 35%
Branch Count 14
0 YoY
0 QoQ
 -6 20 7 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 1.0%
+0.9pp YoY
0.0pp QoQ
 +0.2pp 0.8% 0.8% 1.0% 75%
Allowance Coverage 1.37x
-86.5% YoY
-2.3% QoQ
 -17.34x 18.71x 31.69x 20.23x 35%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 14.9%
+0.6pp YoY
-0.7pp QoQ
 +2.4pp 12.6% 12.3% 11.6% 73%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 -0.4pp 1.9% 1.9% 1.7% 21%
Net Income ($, YTD) $13.2M
+19.3% YoY
— QoQ
 -$6.0M $19.2M $6.1M $40.4M 53%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#28 of 361 • Bottom 7.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.70%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

153
Net Interest Margin
profitability
Value: 4.36%
Peer Median: 3.87%
#153 of 885 Top 17.2% in $1B-$10B
187
Non-Interest Income / Assets
revenue_mix
Value: 0.48%
Peer Median: 0.53%
#187 of 885 Top 21.0% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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