# FIRST NATIONAL BANK OF OMAHA
OMAHA, NE · FDIC certificate 5452 · asset band $10-100B · latest filing 2026-06 · live

**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 | $34.20B | |
| Deposits | $27.78B | |
| Loans and leases | $24.45B | |
| Total equity | $4.01B | |
| Loans / deposits | 84.48% (p45 of band) | 85.78% |
| Liquid assets / assets | 23.14% (p52 of band) | |
| Uninsured deposits / deposits | 33.93% (p39 of band) | 38.39% |
| Brokered deposits | 4.84% | |
| Wholesale funding | 10.18% (p62 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.83% (p71 of band) | 10.17% |
| Unrealized securities loss / equity | -6.08% (p58 of band) | -7.43% |
| AOCI / equity | -1.08% (p13 of band) | |
| ROA (annualized) | 1.79% (p85 of band) | 1.24% |
| Net interest margin | 6.63% (p97 of band) | 3.57% |
| Efficiency ratio | 47.19% (p26 of band) | |
| Noncurrent loans | 0.78% (p59 of band) | 0.66% |
| Net charge-offs (annualized) | 1.32% (p97 of band) | |
| Reserve coverage of noncurrent | 519.21% | |
| Real estate % of loans | 35% | |
| Construction % of loans | 46.90% (p73 of band) | |
| Auto loans | $16.6M (0.07% of loans; DQ 0.64%, NCO 0.00%) | |
| Loans to nondepository financials | $116.1M (3% of equity) (p35 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 4255 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | charge-offs p90 |  |
| 2011-12 | 0 |  | charge-offs p90 |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 1 | charge-offs p90 |  |
| 2015-12 | 0 |  | charge-offs p90 |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | capital falling |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | brokered >10% |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | wholesale funding >15% |  |
| 2024-03 | 1 |  | capital falling, brokered >10%, wholesale funding >15% |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-09-07 [Business Insider: First National Bank of Omaha acquires InBank - FOX21 News Colorado](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQbnJ5V3gtWnFXZ0RKNkQ1bzdpS1c5MUNWeWUwYnFMYXo2WTBrVGhzam1QNldmWk9BQmF6WnZMTlMxX05XS1dCMGJRYjNrcVdvZ0djMEVuZE1HWUpJX1g4RHFTV3k0ZGVFNmdFclJGdWpXZERNdGNzRVo3SDNXRTBtQUFjZmFWbGt1VTNIRUN1bUh0VzhaV0hNQjUwa0FpaXZIaGlyUGxlZGzSAa4BQVVfeXFMT0NVcHFJLWZZdURqTE5tbGlRb0dFSl91VG1oNmI0cnl3UkRXVWk2S0tNOE4zblg4RFVOM1BMcVRNaVpqVGNvazBCQzU4cmJneVhoYl9wWUF2T1FCYTI3T3g4MnJZV25rS3pDcEowYXdZZ3oyQm51aTZETG16UzJaeTRJWUxVRTVORzdkSjk0NzdpSkJCU09CRHdsNTNZWGcxWEhES3dWZ2NrWlVKdXVB?oc=5) · FOX21 News Colorado
- 2026-09-02 [FNBO to acquire Colorado bank in $204M deal - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxPcnJYZkl5RFlGWkF0cWdFdW8zV215NkQyTHRnVmpWMC1XU2hMdWllWWRIT0pOaWYxNlNXTUFNOUcwMzdiTjdQVnQ5aHNPN05PTFdKMjNfQXd3VDZRUGZ1UFhmeWg5Wm1CaXlvT3Q2V3J2NHVKZkYtcTEwNm5Dc2pIaGNMX0Y4Ymh2QmNCenJPbWZEaXAxd3dz?oc=5) · Banking Dive
- 2026-09-02 [FNBO to Acquire InBank, Expand Colorado Market - Business Wire](https://news.google.com/rss/articles/CBMipAFBVV95cUxPZjNaSU1lanNISzJ2eXZiUE5EaXdoUFcwMmFTd0FNNTBYZlNoOGc1YWpUQ1hlVjRJYkNaODdXNTBUZEF2M2ZHaGNENkVYQXc3MG4yQmVzM3lWOU5DdVhjVUV2clVGUW1qRDQ5amRBQWhHTk1JLW1CbVAzb2ZRNzNteHh3Tk43UjVrYVg4VG9RYUEtQ09hcXpjcVhYdndjQ1BuaUZxVw?oc=5) · Business Wire
- 2026-07-07 [Stinson Advises Blue Ridge Bank and Trust in Merger with First National Bank of Omaha - Stinson LLP](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPVEs5ZjJqRVhJR3R1V0dPdEtvb1pzMzVmaC0xOHd6M3RmbWVmSDl2dExHUW42QnJjMFBxd1dOX1NidU8yN1Z3ZTZsQlJkRmxNUld5Ymh1MFROZVdBMldFenNiaFFUWlhZTUsyb3hVWjJoUzVHQ3E1UGx4Ylg4WHlraEV6MklVNktwSW9zRzA1Z1gtc1l6ZUYzSVJfYnc0bXZZMDdDRzBxMjRIdTBsZEJhSm0tN2lfSm1iTmRidkppazI?oc=5) · Stinson LLP
- 2026-05-14 [We’re ready for more agentic AI, says First National Bank of Omaha - TheBanker.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE9uUi1OXy11RTdMejAyRHlneHNXclg3UUt4akJ0RjBUaUhNX1JYSXhrQ3pUZ0xKc19wQVU0TDJfdHBFdm1ub3ZZRkZrTkQ0Q3BZSmhVVF8xRmJUXzUyX0w4VmJOSkJ2Uk56RUNhZkJRb05YaTJqWjJRVmN3?oc=5) · TheBanker.com
- 2026-09-04 [RiNo’s InBank being acquired by Nebraska bank - The Denver Post](https://news.google.com/rss/articles/CBMidEFVX3lxTE9VVUZESGRJbW1OUFFBcmhMZVV5ZkNtaEpCb3dURkpwSmhyNnlxN0ZsdEQtZHZ2R3pfYmgwOHdkTUwtZ1dkYTRoNHhoN01pNXZDTHdWdEZFWnRWWXZrMUFDRnI4QW9VOXRUSi1pT09ldnM3MDlz?oc=5) · The Denver Post
- 2026-09-02 [FNBO plans to buy Denver-based InBank - 9News](https://news.google.com/rss/articles/CBMivwFBVV95cUxPVXozQVM2S09RSU1JeGstT0l3ejZodUQxcUxfM0s1bEpBdFVHb2ZYUGpsa3hVeXVXZWxiUG9GNEZCRFdSa3FZOHhNcFd0UWkxQnhralVSUzJhYkY5bnk2VXNJbTV2cE9tWFlzTkpDZXZTbWRCam5EaVNEN3E4SXJKRGtqNTlkcnFRMjNkZi1mR1p6QVVTUzVVRzlZaUxTc3JMWEg2cDJlZ0Y5Y1NBMnBWcm8wUjhBclJQMTJqZjNtbw?oc=5) · 9News
- 2026-09-02 [Denver-based InBank to be acquired by out-of-state institution - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxNQnhTV1phNW9sV21aclJpTFNEMV91eUFEQXpIYy1iNld3X2JNU3hTLW1oT2k5TjdLV0xHb1cxczlyVUdRT2NFTWMtR3RmWWdjWjZKek1lNnpQSmZwRGFRMFZhaFdEM3ZaSkxkWC1rRkw2aWRDSVlaNlJ1MnlyVk1fVVhLbzlINWhjWFdlNDZTbmRBZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5452 (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/12.json (key "5452", 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