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First National Bank of Omaha

$10B-$250B Specialty: Other NE FDIC cert 5452

Omaha, NE

139 branches across NE · CO · IL · KS · MO · TX · WY · IA · SD

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 139 banks in the $10B-$250B peer group nationwide — 1 of 1 in NE.
  • Deposits +8.8% year over year ($27.8B on the books).
  • Delinquency rate 0.81%.
  • Return on assets 1.79%.
  • Efficiency ratio 47.19% vs a 53.67% peer average.
  • Loan-to-deposit ratio 84.48% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 1 in NE
View $10B-$250B leaderboard (NE) →

First National Bank of Omaha shows strong momentum with 4 strengths and 8.4% YoY asset growth

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

  • + Profitability Leader: Top 22.9% in tier
  • + Net Interest Margin 2.71% above tier average
  • + Efficiency Ratio 6.49% below tier average
  • + Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First 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 ? $34.2B
+8.4% YoY -1.5% QoQ
-$9.4B $43.6B
-13.8% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $23.5B
+6.9% YoY -0.7% QoQ
-$4.5B $28.0B
-8.6% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $27.8B
+8.8% YoY -2.7% QoQ
-$7.6B $35.4B
-14.0% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 1.79%
+27.4% YoY +4.5% QoQ
+0.40% 1.39%
+25.9% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
84%
Net Interest Margin ? 6.63%
-0.8% YoY +1.5% QoQ
+2.71% 3.92%
+8.9% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
Top 4.3% in tier
Efficiency Ratio ? 47.19%
-1.0% YoY -0.9% QoQ
-6.49% 53.67%
-1.9% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 0.81%
-1.0% YoY +1.0% QoQ
-0.21% 1.01%
-2.8% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
45%
Loan-to-Deposit Ratio ? 84.48%
-1.7% YoY +2.1% QoQ
+1.87% 82.61%
+3.1% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 24.98%
-0.6% YoY -3.7% QoQ
+4.40% 20.58%
+4.9% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 0.58%
-0.8% YoY +4.7% QoQ
-0.15% 0.73%
+5.8% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
42%
Tier 1 Capital Ratio ? 12.64%
+1.5% YoY +5.4% QoQ
-2.71% 15.35%
-0.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.66%
+8.6% YoY +109.1% QoQ
+0.17% 0.50%
+10.5% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
84%

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 25.0%
-0.2pp YoY
-1.0pp QoQ
 +3.9pp 21.0% 17.6% 22.2% 60%
Brokered Deposits 6.0%
-0.8pp YoY
-1.2pp QoQ
 -3.3pp 9.2% 8.9% 8.5% 49%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 10.7%
+1.0pp YoY
-0.1pp QoQ
 -6.5pp 17.2% 12.3% 12.5% 28%
CRE 25.7%
-0.1pp YoY
-1.5pp QoQ
 -16.4pp 42.0% 32.3% 41.4% 20%
1-4 Family 8.9%
+0.2pp YoY
0.0pp QoQ
 -14.2pp 23.1% 16.9% 31.3% 14%
Consumer 42.1%
-2.6pp YoY
+1.1pp QoQ
 +29.2pp 12.9% 3.1% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 12.6%
+0.2pp YoY
+0.7pp QoQ
 -2.6pp 15.3% 16.1% 19.7% 41%
Leverage Ratio 10.8%
-0.1pp YoY
+0.4pp QoQ
 +0.4pp 10.4% 12.1% 12.6% 70%
Total Capital Ratio 13.9%
+0.2pp YoY
+0.6pp QoQ
 -2.6pp 16.5% 17.3% 20.8% 41%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 4,255
+286 (+7.2%) YoY
+55 (+1.3%) QoQ
 +997 3,258 98 482 80%
Assets per Employee ($) $8.0M
+1.1% YoY
-2.8% QoQ
 -$19.0M $27.0M $8.5M $8.8M 12%
Branch Count 139
+19 (+15.8%) YoY
-1 (-0.7%) QoQ
 +1 137 7 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.4% 0.4% 38%
Nonaccrual 0.8%
0.0pp YoY
0.0pp QoQ
 +0.1pp 0.7% 0.8% 1.0% 62%
Allowance Coverage 5.19x
-0.2% YoY
+2.1% QoQ
 +2.38x 2.81x 31.69x 20.23x 92%
Net Charge-off Rate (YTD) 1.8%
-0.6pp YoY
-0.1pp QoQ
 +1.4pp 0.4% 0.1% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 15.9%
+2.3pp YoY
+0.3pp QoQ
 +3.3pp 12.6% 12.3% 11.6% 79%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 0.0pp 2.0% 1.9% 1.7% 56%
Net Income ($, YTD) $308.6M
+38.3% YoY
— QoQ
 +$11.8M $296.8M $6.1M $40.4M 73%

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 (1)

Profitability Leader

growth
#9 of 35 • Top 22.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.79%
(Tier: 1.39%, National: 1.30%)
better than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 139 peers in $10B-$250B

Top Strengths (4 metrics)

7
Net Interest Margin
profitability
Value: 6.63%
Peer Median: 3.92%
#7 of 139 Top 4.3% in $10B-$250B
23
Return on Assets
profitability
Value: 1.79%
Peer Median: 1.39%
#23 of 139 Top 15.8% in $10B-$250B
23
Non-Interest Income / Assets
revenue_mix
Value: 0.66%
Peer Median: 0.50%
#23 of 139 Top 15.8% in $10B-$250B
30
Efficiency Ratio
profitability
Value: 47.19%
Peer Median: 53.67%
#30 of 139 Top 20.9% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available
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