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First National Bank of Omaha
Omaha, NE·FDIC Cert #5452·Charter: OCC·Est. 18570101.0·HC: LAURITZEN CORP
Total Assets
$34.6B
Q4 2025
Return on Assets
1.51%
-0.06%Peer avg: 1.09%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
49.34%
Peer avg: 53.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.51%-0.06
ROE
14.29%-0.64
Efficiency
49.34%+1.85
Equity/Assets
0.00%+0.00
NPL Ratio
0.84%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
84.79%+0.59
Charge-offs
2.28%-0.06
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.7 | 1.5 | 1.2 | 1.3 | 1.2 | 1.4 | 1.6 | 1.5 |
| ROE | 19.1 | 17.0 | 13.3 | 14.1 | 11.9 | 13.6 | 14.9 | 14.3 |
| Efficiency | 48.2 | 48.1 | 50.9 | 50.3 | 49.6 | 47.7 | 47.5 | 49.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.8 | 0.8 | 1.0 | 0.9 | 0.8 | 0.8 | 0.8 |
| Charge-offs | 2.8 | 2.8 | 2.9 | 2.8 | 2.6 | 2.5 | 2.3 | 2.3 |
| Loan/Deposit | 80.9 | 84.2 | 83.0 | 82.1 | 83.0 | 86.0 | 84.2 | 84.8 |
Balance Sheet
Total Assets$34.6B
Total Deposits$28.2B
Total Loans$23.9B
Total Equity$3.7B
Profitability
ROA1.51%
ROE14.29%
Efficiency Ratio49.34%
Net Income$491.2M
Risk & Asset Quality
NPL Ratio0.84%
Charge-off Rate2.28%
Loan/Deposit84.79%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans