# MUTUAL OF OMAHA BANK
OMAHA, NE · FDIC certificate 32325 · asset band $1-10B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $8.44B | |
| Deposits | $6.98B | |
| Loans and leases | $6.34B | |
| Total equity | $878.3M | |
| Loans / deposits | 89.69% (p50 of band) | 89.69% |
| Liquid assets / assets | 21.81% (p58 of band) | |
| Uninsured deposits / deposits | 26.43% (p46 of band) | 28.16% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.72% (p46 of band) | |
| FHLB advances / assets | 3.43% | |
| Tier 1 leverage | 8.37% (p6 of band) | 10.32% |
| Unrealized securities loss / equity | 2.16% (p83 of band) | 0.58% |
| AOCI / equity | 3.64% (p81 of band) | |
| ROA (annualized) | 0.65% (p10 of band) | 1.20% |
| Net interest margin | 3.86% (p65 of band) | 3.62% |
| Efficiency ratio | 80.32% (p95 of band) | |
| Noncurrent loans | 1.17% (p86 of band) | 0.48% |
| Net charge-offs (annualized) | 0.17% (p85 of band) | |
| Reserve coverage of noncurrent | 103.15% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 58.17% (p64 of band) | |
| Auto loans | $162,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $12.5M (1% of equity) (p80 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 831 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | wholesale funding >15%, capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | reserve under noncurrent | capital falling |
| 2015-03 | 2 | brokered >10% | reserve under noncurrent |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | uninsured deposits leaving |  |
| 2015-12 | 3 | capital falling, reserve under noncurrent | wholesale funding >15%, uninsured deposits leaving |
| 2016-03 | 4 | wholesale funding >15% |  |
| 2016-06 | 3 |  | brokered >10% |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | brokered >10% | capital falling |
| 2017-03 | 2 |  | brokered >10% |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | noncurrent p90 |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 1 |  | wholesale funding >15%, noncurrent p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | expense ratio p90 | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-01-02 [CIT buys Mutual of Omaha Bank for $1 billion - HousingWire](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSVE2d3oxRTc3RTJsVHdvMnk2dTFLOEVUTTZWb0ZaR2U1MVdRalFHdlpRbDJ2c0stbXRNQkx5Y2JxUzBBREtHMmp3cVE4SDVCa1lNeGMxM045Uk92M2xwYWtrd1R2anlTTGtUMFdyX1N5RHhRaWVvSTVMdUxtb1pjZklwRGlTVVlF?oc=5) · HousingWire
- 2019-08-13 [CIT Group acquiring Mutual of Omaha Bank for $1 billion - WOWT](https://news.google.com/rss/articles/CBMipgFBVV95cUxQQlFwa09aLUhqYnBBMXB0SDZyVjR5UlpYbTlncFl6M0NXRU1rMWw5dHdBOVhEdWl2cmlxTXY1M3dxX25vZkhtYjhQSDJYUkZvMGM3NEtkNFJ5czZLWkcxN01nVV9ldkU3ZkZxZF9JM0lwdVV2eV9rQS1QZktjemtiajVTZ1I1QTVIQnlRQTN4MWlDbnVpLWMzdnM1TmNpaU52QjcwS3dn?oc=5) · WOWT
- 2019-08-13 [CIT buys itself wiggle room with Mutual of Omaha Bank deal - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxPM3NPZ241QWtxNjRNOUFqWmtwVWVvRk9ldTNtN3JQNXBCVkQxY01SLXJkVXNRTWNoQWgzR1dXRGhtV3VLamwtSzhIdGZVZHRqdGlFa05Va1B3UzhoME5NX194bHNLLUtlalpHVnp0T3pqRWJNVThDVlRUOHZtdkloQlJ5WW5MLURtZnlaNVM2ZkNuMU1QZkttTUVB?oc=5) · American Banker
- 2020-01-02 [CIT Completes Acquisition of Mutual of Omaha Bank - PR Newswire](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOdzUyZ1ljTU10ZEoxMk1Obk9LQUhfOEhRdVhidU5ULWRyd3l4XzMtYTdKQlgxb3NEempLbld0Wl9yaTlPSWQyeS1ONzVYUWktMFVCQ0VxXzl3QWxYOF9oZUxRQmZhQjVlVDVNTk56dE8zSTI0YXNPLXR4bDhHLWlPdklnLVlUdWdSLXU1WkI0SkRSMHJJejVlNU9YWFJiLUdqRlZKQ2JlUjg?oc=5) · PR Newswire
- 2019-08-13 [CIT Group acquiring Mutual of Omaha Bank for $1 billion - KETV](https://news.google.com/rss/articles/CBMinwFBVV95cUxOOTR6UTFKNWtOb3VyclV1MEhkU2l4M2R2UVptVkh1d19qNHppS0IwckVsLUpXejZ0Vnh6Ym0yemZKNG5VUUh1RWpjandpU3JfQi1ZQ1JxZTNKNHhJNFZ0V3J2Sm42dERrV2lMUDlyVXVMUHJSM25yT3UtamNhak9QbExjRDVaSTdqcU1ZZS1RdGRzQW4zOVlGYXpmS0c4Rnc?oc=5) · KETV
- 2024-01-16 [Sieck named new president of CBI Bank & Trust - Corridor Business Journal](https://news.google.com/rss/articles/CBMifkFVX3lxTE05TE5lc2xHN01XQXhzbFN4dTlHYzBmaFVOYmgyOGhiNHBuR2FTYkt5Uzh0TUtQclFBTHpwRERzX3lZMHNJeXJERVlHWnVBbGw2T2ZnTXlhQWRJaGkyRFhkV1dCbmZqcG1VTWt5RGd5TU52UGo5ZXBIVUZ5eWlXUQ?oc=5) · Corridor Business Journal
- 2018-09-04 [Mutual of Omaha Bank's Houston market president retires - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQWTdpekFkamx6T1BvOGJiYzUtOEJKSGNsU0JnZTFoTUIwUWlfY2xoOXNWTXVYcHNQcmtSVy05a043ZFhVbC1GdVhaNFV3V2tXaGZteTdUQW5PaHJTOER5SlctZDN6N1V6MXUyOWZZSkdQUVgyaldhT19ia0VoN1FPZU1MUTc4OFVxamJ2ZnN4VE9ENkc5S2g3bkZETldsRnBB?oc=5) · The Business Journals
- 2023-08-21 [Jeffrey R. Schmid - federalreservehistory.org](https://news.google.com/rss/articles/CBMia0FVX3lxTE1pY1JGV21pakpfZXBIeGIyd1pIZ3VISTdXbkg5WmhBa3NuNERUdVBOQVJ3TGJGdGlmcGxMY1U1cXZJNExNU3hYRmZEMFhCbGp0QUU3QUNRLXhsRGt6MXdjSFNDRmhYdU9SdHNN?oc=5) · federalreservehistory.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32325 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "32325", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide