FDIC Cert #5452 · Omaha, Nebraska · Est. 1857

First National Bank of Omaha - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$34.6B
Total assets
A
Health grade · Excellent
1.51%
Return on assets
11.6%
Tier 1 capital

Data updated July 2026

The verdict

First National Bank of Omaha earns a PlainBankData health grade of A (88/100), with well-capitalized at 11.64% Tier 1, profitable at 1.51% ROA, efficient (49% cost ratio).

#65
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
11.64%
Tier 1 ratio - above the 10% well-capitalized line
75th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 5452 · NE A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #848/4307
  • PHOTO-FINISH Bank First, N.A. · WI
  • TIER1-WELL 11.6% Tier 1
  • TEXAS-CLEAN 4.3% Texas
  • ROA-STRONG 1.51% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: Bank First, N.A., WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First National Bank of Omaha

Lowest and highest poles plus nearest scored peers outside Nebraska, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank First, N.A. · WI · near88/100COMMUNITY FIRST BANK · MN · …88/100First Financial Bank… · MN ·…88/100First National Bank… · NE · …88/100Fortifi Bank · WI · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank of Omaha · July 2026

What First National Bank of Omaha's Call Report plate shows

First National Bank of Omaha (FDIC Cert #5452) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #848 of 4,307. Tier 1 capital prints at 11.64%, clearing the 10% well-capitalized line. The Texas Ratio is 4.26%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.51%. Balance-sheet scale is $34.6B, 65th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank First, N.A. (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First National Bank of Omaha

4 FAILURE resolutions in Nebraska since 2000 (4 since 2008)

First National Bank of Omaha's home state sits in the middle band of post-2000 FAILURE counts (4; 4 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First National Bank of Omaha remains an active FDIC-insured reporter.

  • ERICSON STATE BANK ERICSON, NE 2020 → FARMERS AND MERCHANTS BANK
  • MID CITY BANK, INC. OMAHA, NE 2011 → PURDUM STATE BANK
  • TIERONE BANK LINCOLN, NE 2010 → GREAT WESTERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Nebraska banks.

How First National Bank of Omaha's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
First National Bank of Omaha's composite health score
Tier 1 Capital Ratio (11.64%) 28/40
Return on Assets (ROA) (1.51%) 25/25
Texas Ratio (4.26%) 20/20
Efficiency Ratio (49.34%) 15/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$34.6B

Total balance-sheet footings

Total Deposits

$28.2B

Customer-funded liabilities

Net Loans

$23.9B

Outstanding loan book

Net Income

$491M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.24% 11.64% 13.04%
Basel III capital ratios - First National Bank of Omaha

Where First National Bank of Omaha ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank of Omaha's score of 88/100 falls in the highlighted band.

First National Bank of Omaha: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 20% higher than 80% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First National Bank of Omaha 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First National Bank of Omaha's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank of Omaha's $34.6B falls in the highlighted band.

Safety ratios for First National Bank of Omaha

Tier 1 capital ratio
Well-capitalized 10%

11.64% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.64%
Texas Ratio
4.26%
Equity Capital
$3.7B

What these ratios mean →

Earnings posture at First National Bank of Omaha

Return on Assets (ROA)
75th percentile nationally
1.51%
Return on Equity (ROE)
14.29%
Efficiency Ratio
49.34%

What these mean →

Income & expense at First National Bank of Omaha

$2.6B
Interest Income
$416M
Non-Interest Income
$1.2B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of Omaha reports a Texas Ratio of 4.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First National Bank of Omaha on FDIC BankFind →

Top banks in Nebraska by total assets

Largest banks headquartered in Nebraska
  1. 1
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  2. 2
    Union Bank and Trust Company $9.1B

    Lincoln, NE · Grade A

  3. 3
    Pinnacle Bank $8.9B

    Lincoln, NE · Grade A

  4. 4
    American National Bank $5.2B

    Omaha, NE · Grade A

  5. 5
    Cornerstone Bank $2.8B

    York, NE · Grade B

Top 5 banks in Nebraska ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to First National Bank of Omaha by assets

Measured strictly by total assets rather than geography, First National Bank of Omaha's closest national peers include TD Bank USA, Banc of California, BankUnited, Hancock Whitney Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Nebraska. Averaged across this asset-matched cohort, return on assets runs 1.25% (First National Bank of Omaha is above that at 1.51%), the efficiency ratio averages 55.11% (First National Bank of Omaha runs leaner at 49.34%), and Tier 1 capital averages 16.13% (First National Bank of Omaha holds less at 11.64%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $34.6B in assets, First National Bank of Omaha has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to First National Bank of Omaha nationally by total assets
  1. 1
    TD Bank USA $34.6B

    Wilmington, DE · Grade A

  2. 2
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  3. 3
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  4. 4
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  5. 5
    United Bank $33.5B

    Fairfax, VA · Grade A

  6. 6
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
First National Bank of Omaha (this bank) NE $34.6B 1.51% 49.34% 11.64%
TD Bank USA, National Association DE $34.6B 1.16% 58.07% 28.61%
Banc of California CA $34.7B 0.78% 60.49% 13.15%
BankUnited, National Association FL $35.0B 0.89% 56.96% 12.73%
Hancock Whitney Bank MS $35.5B 1.41% 54.48% 13.24%
United Bank VA $33.5B 1.50% 45.99% 13.75%
Commerce Bank MO $32.7B 1.74% 54.68% 15.32%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($34.6B here), outside Nebraska so the neighborhood is not state containment.

TD Bank USA $34.6B · DE Banc of California $34.7B · CA BankUnited $35.0B · FL Hancock Whitney Bank $35.5B · MS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank of Omaha (FDIC Cert #5452) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First National Bank of Omaha Call Report profile · FDIC Failed Bank List · Nebraska FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nebraska

All Nebraska banks →
BankAssetsGradeROA
Union Bank and Trust CompanyLincoln $9.1B A 1.60%
Pinnacle BankLincoln $8.9B A 1.26%
American National BankOmaha $5.2B A 1.32%
Cornerstone BankYork $2.8B B 1.11%
Security First BankLincoln $2.2B B 0.90%
Five Points BankGrand Island $2.1B A 1.47%
Security National Bank of OmahaOmaha $1.7B A 1.28%
Exchange BankKearney $1.6B A 1.83%