BlastPoint's Banking Scorecard
First National Bank of Omaha
Large
Specialty: Commercial
NE
FDIC cert 5452
Omaha, NE
69
banks in Large tier nationally
1 in NE
View Large leaderboard (NE) →
First National Bank of Omaha shows strong momentum with 1 strength and 8.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.29% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$34.6B
+8.1% YoY
+6.9% QoQ
|
-$40.3B |
$74.9B
-4.4% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$23.9B
+8.5% YoY
+8.6% QoQ
|
-$22.6B |
$46.4B
-2.1% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$28.2B
+5.0% YoY
+7.8% QoQ
|
-$32.3B |
$60.5B
-4.5% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.51%
+14.9% YoY
-3.6% QoQ
|
+0.32% |
1.19%
+17.8% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
6.76%
+3.0% YoY
-0.1% QoQ
|
+3.29% |
3.46%
+13.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
49.34%
-2.0% YoY
+3.9% QoQ
|
-5.69% |
55.03%
-2.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.84%
-12.6% YoY
+4.3% QoQ
|
-0.04% |
0.88%
-0.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
84.79%
+3.3% YoY
+0.7% QoQ
|
+3.07% |
81.72%
+3.9% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
25.64%
+3.0% YoY
+0.4% QoQ
|
+5.67% |
19.97%
+0.5% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.59%
-11.6% YoY
+5.4% QoQ
|
+0.04% |
0.55%
+9.0% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
11.64%
-2.2% YoY
-9.4% QoQ
|
-1.69% |
13.33%
-0.7% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
19% |
| Non-Interest Income / Assets ? |
1.20%
-5.6% YoY
+24.3% QoQ
|
+0.12% |
1.09%
+2.4% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 1%
in Large
Why this stands out
Current:
6.76%
(Tier avg: 3.46%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Net Interest Margin
Current: 6.76% · Tier avg: 3.46%
84
84th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.19%
76
76th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 1.09%
76
76th pctile
Efficiency Ratio
Current: 49.34% · Tier avg: 55.03%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 25.64% · Tier avg: 19.97%
49
49th pctile
Loan-to-Deposit Ratio
Current: 84.79% · Tier avg: 81.72%
46
46th pctile
Delinquency Rate
Current: 0.84% · Tier avg: 0.88%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.55%
38
38th pctile
Total Loans
Current: $23.9B · Tier avg: $46.4B
35
35th pctile
Total Deposits
Current: $28.2B · Tier avg: $60.5B
30
30th pctile
Total Assets
Current: $34.6B · Tier avg: $74.9B
19
19th pctile
Tier 1 Capital Ratio
Current: 11.64% · Tier avg: 13.33%
Top Weaknesses
19
19th pctile
Tier 1 Capital Ratio
Current: 11.64% · Tier avg: 13.33%
30
30th pctile
Total Assets
Current: $34.6B · Tier avg: $74.9B
35
35th pctile
Total Deposits
Current: $28.2B · Tier avg: $60.5B
38
38th pctile
Total Loans
Current: $23.9B · Tier avg: $46.4B
39
39th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.55%
46
46th pctile
Delinquency Rate
Current: 0.84% · Tier avg: 0.88%
49
49th pctile
Loan-to-Deposit Ratio
Current: 84.79% · Tier avg: 81.72%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 25.64% · Tier avg: 19.97%
76
76th pctile
Efficiency Ratio
Current: 49.34% · Tier avg: 55.03%
76
76th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 1.09%
84
84th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.19%
100
100th pctile
Net Interest Margin
Current: 6.76% · Tier avg: 3.46%