First National Bank of Omaha

1620 Dodge Street
Omaha, NE 68197

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5452
Date Established 1857
Assets $20.17 billion
Loans $14.84 billion
Deposits $16.85 billion
Capital $2.00 billion

First National Bank of Omaha is an FDIC insured institution located in Omaha, NE. It was founded in 1857 and has approximately $20.17 billion in assets. Customers can open an account at one of its 127 branches.

For a more detailed analysis of First National Bank of Omaha's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in First National Bank of Omaha’s loan portfolio are Credit Card Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Nebraska, First National Bank of Omaha has a significantly higher percent of Credit Card Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 8.94
Multifamily
Mortgages
1.98
Credit Card Loans 39.58
Consumer Auto Loans 0.29
Small Business Loans 2.13
Construction and Development Loans 5.81
Commercial Real Estate 14.24
Commercial and Industrial Loans 12.86
Farm Loans 8.48

Deposit Rates - November 12, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $4,999 Learn MoreShow Less
Money Market
0.25% $1 $4,999 Learn MoreShow Less
Money Market
0.05% $1,000 $4,999 Learn MoreShow Less
Money Market
0.10% $5,000 $24,999 Learn MoreShow Less
Money Market
0.30% $5,000 $24,999 Learn MoreShow Less
Money Market
0.15% $5,000 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 $99,999 Learn MoreShow Less
Money Market
0.10% $25,000 $99,999 Learn MoreShow Less
Money Market
0.35% $25,000 $99,999 Learn MoreShow Less
Money Market
0.20% $25,000 $99,999 Learn MoreShow Less
Premium Money Market Account
0.45% $5,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.55% $5,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.15% $5,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.25% $5,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.70% $5,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.75% $25,000 $99,999 Learn MoreShow Less
Premium Money Market Account
1.00% $25,000 $99,999 Learn MoreShow Less
Premium Money Market Account
0.45% $25,000 $99,999 Learn MoreShow Less
Premium Money Market Account
0.50% $25,000 $99,999 Learn MoreShow Less
Premium Money Market Account
0.65% $25,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.55% $500 - Learn MoreShow Less
3 Mo CD
0.41% $500 - Learn MoreShow Less
3 Mo CD
0.25% $500 - Learn MoreShow Less
3 Mo CD
0.60% $500 - Learn MoreShow Less
3 Mo CD
0.50% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.86% $100 - Learn MoreShow Less
Fixed IRA
0.91% $500 - Learn MoreShow Less
Fixed IRA
0.71% $500 - Learn MoreShow Less
Fixed IRA
1.01% $500 - Learn MoreShow Less
Fixed IRA
0.55% $2,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
2.84% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.12% $1 $4,999 Learn MoreShow Less
Int Ckg
0.30% $1 $4,999 Learn MoreShow Less
Int Ckg
0.15% $1 $4,999 Learn MoreShow Less
Int Ckg
0.35% $1,000 $4,999 Learn MoreShow Less
Int Ckg
0.12% $5,000 - Learn MoreShow Less

Online Only Savings Rates of FNBO Direct

Online Savings Rates APY MIN MAX
Checking Rates APY MIN FEE
First National Premier Checking 0.05% $15,000 $15.00 Learn MoreShow Less
First National Free Checking 0.00% $0 $0.00 Learn MoreShow Less

Bank Online Offers

Loan Rates - November 12, 2018

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
3 Year 3.16% 3.16% $728.79
4 Year 3.16% 3.16% $555.13
5 Year 3.16% 3.16% $451.00
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

First National Bank of Omaha branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


First National Bank of Omaha Locations

Financial Details

First National Bank of Omaha Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank of Omaha. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First National Bank of Omaha U.S. Bank Average
4.97% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2018, First National Bank of Omaha had $111,790,000 in non-current loans and $7,880,000 in owned real estate. To cover these potential losses it had $1,998,395,000 in equity and $408,232,000 in loans loss reserves. That gives it a Texas Ratio of 4.97%.

Return on Equity
First National Bank of Omaha U.S. Bank Average
12.55% 9.77%

First National Bank of Omaha has a Return on Equity of 12.55% versus the BestCashCow average of 9.77%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First National Bank of Omaha U.S. Bank Average
9.91% 12.31%

First National Bank of Omaha has a Capitalization of 9.91% versus the BestCashCow average of 12.31. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First National Bank of Omaha Balance Sheet Analysis

As of June 30, 2018, First National Bank of Omaha had assets of $20,169,374,000, loans of $14,837,420,000, and deposits of $16,850,385,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.86 billion
Interest-bearing balances $0.23 billion
Total securities $3.18 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $14.84 billion
Loan loss allowance $0.41 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.23 billion
All other assets $0.53 billion
     Total Assets $18.17 billion
LIABILITIES
Total deposits $16.85 billion
      Interest-bearing deposits $11.99 billion
      Deposits held in domestic offices $16.85 billion
      % insured (estimated) 63.39%
Federal funds purchased and repurchase agreements $0.02 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.85 billion
Subordinated debt $0.05 billion
All other liabilities $0.40 billion
      Total Liabilities $18.17 billion
      Shareholders’ Equity $2.00 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.65 billion
Total Interest Expense $0.05 billion
Net interest income $0.60 billion
Provision for loan and lease losses $0.18 billion
Total non interest income $0.18 billion
Total non interest expense $0.45 billion
Pre-tax Net Operating Income $0.16 billion

Frequently Asked Questions About First National Bank Of Omaha

Branches and Savings

Is First National Bank Of Omaha FDIC insured?

Yes. It is covered under FDIC Certificate #5452.

Why does First National Bank Of Omaha pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First National Bank Of Omaha CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First National Bank Of Omaha a commercial bank?

Yes

Where are First National Bank Of Omaha locations?

See branch locations nearby.

Is First National Bank Of Omaha open on Saturdays?

Is First National Bank Of Omaha open on Sundays?

What time does First National Bank Of Omaha open?

What time does First National Bank Of Omaha close?

Are First National Bank Of Omaha ATMs Open 24/7?

Do First National Bank Of Omaha ATMs accept cash deposits?

Can First National Bank Of Omaha customers use other ATMs?

Do First National Bank Of Omaha branches have notaries?

Will First National Bank Of Omaha notarize my document?

What address for First National Bank Of Omaha should I put for incoming ACH transfers?

Will the First National Bank Of Omaha branch print checks?

Do First National Bank Of Omaha checks expire?

Does First National Bank Of Omaha require US citizenship to open account?

Can First National Bank Of Omaha close my account?

Does First National Bank Of Omaha Report to credit bureaus?

Does First National Bank Of Omaha Use Equifax?

What is First National Bank Of Omaha's ACH Routing Number?

What is First National Bank Of Omaha's SWIFT code?

Products

Does First National Bank Of Omaha offer mortgages?

Compare mortgage rates here.

Does First National Bank Of Omaha offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank Of Omaha offer personal loans?

Compare personal loan rates here.

Does First National Bank Of Omaha offer student loans?

Will First National Bank Of Omaha cash a check?

Will First National Bank Of Omaha redeem a savings bond?

Does First National Bank Of Omaha cash savings bonds?

Will First National Bank Of Omaha cash money orders?

Can First National Bank Of Omaha issue a money order?

Does First National Bank Of Omaha do currency exchange?

Background on The Bank

Who owns First National Bank Of Omaha?

How long has First National Bank Of Omaha been around?

Can First National Bank Of Omaha transfer to other banks?

Does First National Bank Of Omaha have quick pay?

Does First National Bank Of Omaha accept rolled coins?

Will First National Bank Of Omaha accept loose change?

Where is First National Bank Of Omaha headquarters?

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