BlastPoint's Banking Scorecard
First National Bank of Omaha
Omaha, NE
139 branches across NE · CO · IL · KS · MO · TX · WY · IA · SD
First National Bank of Omaha shows strong momentum with 4 strengths and 9.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 14.7% in tier
- + Net Interest Margin 2.77% above tier average
- + Efficiency Ratio 6.30% below tier average
- + Delinquency Rate 0.22% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$34.7B
+9.2% YoY
+0.4% QoQ
|
-$12.6B |
$47.4B
-2.0% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.0% YoY
|
66% |
| Total Loans ? |
$23.6B
+9.0% YoY
-1.0% QoQ
|
-$6.0B |
$29.6B
-0.4% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
64% |
| Total Deposits ? |
$28.6B
+9.2% YoY
+1.4% QoQ
|
-$10.2B |
$38.7B
-1.6% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.0% YoY
|
67% |
| Return on Assets ? |
1.71%
+43.7% YoY
+13.1% QoQ
|
+0.43% |
1.28%
+19.3% YoY
|
1.36%
+20.0% YoY
|
1.24%
+13.1% YoY
|
84% |
| Net Interest Margin ? |
6.53%
-0.8% YoY
-3.3% QoQ
|
+2.77% |
3.77%
+5.6% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
Top 3.0% in tier |
| Efficiency Ratio ? |
47.60%
-3.9% YoY
-3.5% QoQ
|
-6.30% |
53.90%
-4.0% YoY
|
60.11%
-6.9% YoY
|
66.84%
-3.8% YoY
|
76% |
| Delinquency Rate ? |
0.80%
-8.7% YoY
-4.6% QoQ
|
-0.22% |
1.02%
-4.1% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
82.77%
-0.2% YoY
-2.4% QoQ
|
+1.88% |
80.88%
+2.0% YoY
|
79.63%
+0.4% YoY
|
76.69%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
25.94%
+1.8% YoY
+1.1% QoQ
|
+6.11% |
19.82%
+0.3% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.1% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.56%
-8.6% YoY
-6.1% QoQ
|
-0.17% |
0.73%
+4.0% YoY
|
0.55%
+6.0% YoY
|
0.66%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
11.99%
-0.7% YoY
+3.0% QoQ
|
-3.57% |
15.56%
-0.1% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.32%
+10.6% YoY
-73.6% QoQ
|
+0.09% |
0.23%
+0.9% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.0% YoY
|
84% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.