FIRST NATIONAL BANK OF OMAHA

OMAHA, NE · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1857FDIC #5,452

Outstanding Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.71%

Institution Profile

FDIC BankFind

Website

www.fnbo.com

Address

1601 Capitol Avenue, OMAHA, NE

County

Douglas County

Established

January 1, 1857

Total Assets

$34.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 27, 2025

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$34.7B

Total Deposits

$28.6B

Net Loans

$23.6B

Net Income

$148M

ROA

1.71%

Above avg for Regional banks. Peer avg: 0.88%

ROE

15.57%

Risk-Based Capital

13.27%

Below avg for Regional banks. Regulatory min: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA1.71%Peer avg: 0.88%▲ Above avg

Risk-Based Capital13.27%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate17.02%Peer avg: 26.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

119

Branch Deposits

$25.5B

1-Year Change

5-year net change: -3 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	7,537	63.92%	17.02%
2023	9,050	66.43%	15.16%
2022	10,691	67.08%	12.22%
2021	15,865	75.4%	7.19%
2020	16,885	76.28%	8.47%
2019	14,476	75.02%	11.95%
2018	13,948	73.49%	15.71%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
May 2025	Outstanding	Large Bank
May 2022	Outstanding	Large Bank
Apr 2019	Outstanding	Large Bank

8 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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