First National Bank Of Omaha Mortgage Rates, Fees & Info
Omaha, NELEI: LDVFX8JEECFFE8HRWA73
Tax ID: 47-0259043
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Review & Overview
First National Bank Of Omaha is a small bank specializing in Home Purchase loans. First National Bank Of Omaha has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Omaha, Fort Collins, Kansas City, Chicago, and Greeley among others. We have data for 115 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Bank Of Omaha has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First National Bank Of Omaha is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/22/24 |
| 30 Year Conventional Purchase | 6.49% | 4/22/24 |
| 30 Year Conventional Refi | 6.50% | 4/22/24 |
| 30 Year Cash-out Refi | 6.67% | 4/22/24 |
| 30 Year FHA Purchase | 7.08% | 4/22/24 |
| 30 Year FHA Refi | 7.05% | 4/22/24 |
| 30 Year VA Purchase | 6.33% | 4/22/24 |
| 30 Year VA Refi | 6.27% | 4/22/24 |
| 30 Year USDA Purchase | 6.64% | 4/22/24 |
| 30 Year USDA Refi | 6.27% | 4/22/24 |
| 15 Year Conventional Purchase | 6.09% | 4/22/24 |
| 15 Year Conventional Refi | 6.25% | 4/22/24 |
| 15 Year Cash-out Refi | 6.25% | 4/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
First National Bank Of Omaha Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
10,250Origination Dollar Volume (All Markets)
$1,869,330,000Employee count
4,730Awards
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First National Bank of Omaha - 2018
First National Bank of Omaha is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3,966 | $649,480,000 | $163,762 | $2,559 | 4.27% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1,139 | $222,205,000 | $195,088 | $2,838 | 4.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 876 | $163,620,000 | $186,781 | $2,723 | 4.22% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 890 | $132,590,000 | $148,978 | $3,148 | 4.52% |
| GREELEY, CO (FHA|USDA|VA) | 485 | $83,505,000 | $172,175 | $3,927 | 4.40% |
| BOULDER, CO (FHA|USDA|VA) | 254 | $63,980,000 | $251,890 | $3,350 | 4.12% |
| LINCOLN, NE (FHA|USDA|VA) | 425 | $61,345,000 | $144,341 | $2,524 | 4.04% |
| Outside of Metro Areas | 390 | $47,800,000 | $122,564 | $2,432 | 4.68% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 275 | $46,995,000 | $170,891 | $3,434 | 4.04% |
| ODESSA, TX (FHA|USDA|VA) | 3 | $43,945,000 | $14,648,333 | $0 | 5.01% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $35,005,000 | $35,005,000 | $0 | 5.09% |
| Kearney, NE (FHA|USDA|VA) | 235 | $33,505,000 | $142,574 | $2,569 | 4.44% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $24,875,000 | $24,875,000 | $0 | 4.53% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $22,620,000 | $11,310,000 | $3,294 | 4.53% |
| Fremont, NE (FHA|USDA|VA) | 203 | $21,845,000 | $107,611 | $2,325 | 4.55% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 13 | $18,765,000 | $1,443,462 | $2,643 | 4.33% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 155 | $18,475,000 | $119,194 | $2,530 | 4.36% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 70 | $17,790,000 | $254,143 | $4,111 | 4.63% |
| North Platte, NE (FHA|USDA|VA) | 129 | $15,525,000 | $120,349 | $3,270 | 4.51% |
| Columbus, NE (FHA|USDA|VA) | 118 | $15,180,000 | $128,644 | $2,372 | 4.45% |
| MANHATTAN, KS (FHA|USDA|VA) | 3 | $11,255,000 | $3,751,667 | $723 | 4.70% |
| Emporia, KS (FHA|USDA|VA) | 3 | $10,285,000 | $3,428,333 | $0 | 4.87% |
| Norfolk, NE (FHA|USDA|VA) | 74 | $7,860,000 | $106,216 | $1,893 | 5.17% |
| Ottawa, IL (FHA|USDA|VA) | 56 | $7,820,000 | $139,643 | $3,143 | 4.58% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $7,335,000 | $2,445,000 | $4,426 | 4.60% |
| ROCKFORD, IL (FHA|USDA|VA) | 67 | $6,905,000 | $103,060 | $2,492 | 4.88% |
| Yankton, SD (FHA|USDA|VA) | 48 | $6,690,000 | $139,375 | $3,122 | 4.43% |
| Scottsbluff, NE (FHA|USDA|VA) | 60 | $5,560,000 | $92,667 | $2,151 | 4.87% |
| Beatrice, NE (FHA|USDA|VA) | 60 | $5,460,000 | $91,000 | $2,587 | 4.40% |
| Macomb, IL (FHA|USDA|VA) | 1 | $4,005,000 | $4,005,000 | $0 | 4.90% |
| RAPID CITY, SD (FHA|USDA|VA) | 2 | $3,470,000 | $1,735,000 | $2,327 | 4.25% |
| Breckenridge, CO (FHA|USDA|VA) | 4 | $3,330,000 | $832,500 | $2,951 | 5.06% |
| Mitchell, SD (FHA|USDA|VA) | 29 | $3,325,000 | $114,655 | $2,704 | 4.45% |
| Rochelle, IL (FHA|USDA|VA) | 17 | $3,315,000 | $195,000 | $2,611 | 5.42% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 7 | $3,295,000 | $470,714 | $3,091 | 4.62% |
| Lexington, NE (FHA|USDA|VA) | 14 | $2,490,000 | $177,857 | $4,013 | 4.27% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 4 | $2,480,000 | $620,000 | $1,311 | 4.90% |
| Hastings, NE (FHA|USDA|VA) | 12 | $2,020,000 | $168,333 | $1,819 | 4.72% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 7 | $1,795,000 | $256,429 | $3,553 | 4.48% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 9 | $1,765,000 | $196,111 | $2,763 | 4.67% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $1,595,000 | $531,667 | $5,991 | 4.33% |
| CHEYENNE, WY (FHA|USDA|VA) | 7 | $1,455,000 | $207,857 | $3,025 | 3.94% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $1,345,000 | $1,345,000 | $5,752 | 4.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $1,330,000 | $665,000 | $4,319 | 3.81% |
| WICHITA, KS (FHA|USDA|VA) | 8 | $1,220,000 | $152,500 | $2,588 | 4.50% |
| Edwards, CO (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $2,573 | 4.38% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $4,557 | 4.58% |
| Huron, SD (FHA|USDA|VA) | 14 | $870,000 | $62,143 | $2,781 | 3.84% |
| Fort Morgan, CO (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $7,242 | 4.56% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $6,943 | 4.00% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 6 | $760,000 | $126,667 | $2,299 | 4.56% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,082 | 4.38% |
| Ottawa, KS (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $0 | 3.64% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $1,525 | 5.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $2,942 | 4.38% |
| TOPEKA, KS (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $2,013 | 4.03% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,148 | 3.94% |
| MADISON, WI (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $2,066 | 3.75% |
| Spirit Lake, IA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $1,475 | 4.50% |
| Warrensburg, MO (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,697 | 4.19% |
| LAWRENCE, KS (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $2,163 | 5.04% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,016 | 4.80% |
| PEORIA, IL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,503 | 4.67% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 4.50% |
| Vermillion, SD (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,817 | 5.00% |
| Montrose, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,425 | 4.75% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,350 | 4.13% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $700 | 7.00% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,757 | 4.25% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,861 | 4.38% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,191 | 4.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 1.99% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,346 | 4.38% |
| AMES, IA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,748 | 4.50% |
| Granbury, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $13,328 | 4.50% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,968 | 4.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,885 | 4.25% |
| Hays, KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,629 | 4.00% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,758 | 4.50% |
| Durango, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,136 | 3.88% |
| Laramie, WY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,996 | 4.63% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,084 | 4.81% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,300 | 4.00% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,455 | 4.88% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,290 | 4.75% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,170 | 4.63% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,698 | 5.25% |
| Storm Lake, IA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,446 | 4.38% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,674 | 5.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.85% |
| Spearfish, SD (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $250 | 3.50% |
| Atchison, KS (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,766 | 4.63% |
| Sterling, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,867 | 4.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.13% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,770 | 4.75% |
| Dixon, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,228 | 4.88% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,293 | 4.13% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,975 | 4.75% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,875 | 4.50% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,635 | 4.00% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,845 | 4.25% |
| Taylorville, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.89% |
| Martin, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.40% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,683 | 4.50% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,801 | 4.75% |
| Pella, IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,119 | 4.63% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,924 | 4.88% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,957 | 4.75% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,769 | 5.00% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,273 | 5.63% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,833 | 4.75% |
| Brookings, SD (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.25% |
| Branson, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,999 | 4.88% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,220 | 4.63% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,313 | 4.25% |
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Product Mix
For 2018, First National Bank Of Omaha's most frequently originated type of loan was Conventional, with 5,136 originations. Their 2nd most popular type was HELOC, with 4,026 originations.
Loan Reason
For 2018, First National Bank Of Omaha's most frequently cited loan purpose was Home Purchase, with 4,875 originations. The 2nd most popular reason was Refi, with 2,039 originations.
Loan Duration/Length
For 2018, First National Bank Of Omaha's most frequently cited loan duration was 30 Year, with 8,720 originations. The 2nd most popular length was 15 Year, with 473 originations.
Origination Fees/Closing Costs
First National Bank Of Omaha's average total fees were $3,088, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,590 originations.
Interest Rates
During 2018, First National Bank Of Omaha's average interest rate for loans was 4.26%, while their most frequently originated rate bucket for loans was 4-5%, with 6,086 originations.
Loan Sizing
2018 saw First National Bank Of Omaha place emphasis on $100,000 or less loans with 3,905 originations, totaling $212,285,000 in origination value.
Applicant Income
First National Bank Of Omaha lent most frequently to those with incomes in the $100k-150k range, with 2,317 originations. The second most popular income band? $50k-75k, with 2,225 originations.
Applicant Debt to Income Ratio
First National Bank Of Omaha lent most frequently to those with DTI ratios of 20-30%, with 2,008 originations. The next most common DTI ratio? 30-36%, with 1,849 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.29%
First National Bank Of Omaha has a below average approval rate.
Pick Rate
Approvals leading to origination86.12%
First National Bank Of Omaha has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 10,250 | $1,869,330,000 | $182,374 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Struggling to pay mortgage | 1 | 50.0% |
| FIRST NATIONAL BANK OF OMAHA | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 50.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| First National Bank of Omaha | 1 West Flatiron Circle, Suite 1126 Broomfield, CO 80021 | Limited, Drive-thru | $0 |
| First National Bank of Omaha | 100 Greenwood Acres Drive Dekalb, IL 60115 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 100 Greenwood Acres Drive Dekalb, IL 60115 | Full Service B&M | $69,409 |
| First National Bank of Omaha | 100 Johnstown Center Drive Johnstown, CO 80534 | Full Service B&M | $74,781 |
| First National Bank of Omaha | 100 West Church Street Sandwich, IL 60548 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 100 West Church Street Sandwich, IL 60548 | Full Service B&M | $94,515 |
| First National Bank of Omaha | 102 South Locust Street Glenwood, IA 51534 | Full Service B&M | $288,308 |
| First National Bank of Omaha | 109 West Veterans Parkway Yorkville, IL 60560 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 109 West Veterans Parkway Yorkville, IL 60560 | Full Service B&M | $119,369 |
| First National Bank of Omaha | 11000 Us 34 Plano, IL 60545 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 11000 Us 34 Plano, IL 60545 | Full Service B&M | $15,538 |
| First National Bank of Omaha | 1101 Central Avenue Mall Fort Collins, CO 80521 | Full Service B&M | $38,692 |
| First National Bank of Omaha | 1123 Howard Street Omaha, NE 68102 | Full Service B&M | $20,643 |
| First National Bank of Omaha | 11404 West Dodge Road Omaha, NE 68154 | Full Service B&M | $240,728 |
| First National Bank of Omaha | 1155 Canyon Blvd Boulder, CO 80302 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 1155 Canyon Road Boulder, CO 80302 | Full Service B&M | $31,305 |
| First National Bank of Omaha | 11700 Route 47 Huntley, IL 60142 | Full Service B&M | $73,647 |
| First National Bank of Omaha | 12009 Sheridan Blvd Broomfield, CO 80020 | Full Service B&M | $91,374 |
| First National Bank of Omaha | 124 West Third Street Alliance, NE 69301 | Full Service B&M | $56,340 |
| First National Bank of Omaha | 1300 Preston Road Plano, TX 75093 | Full Service B&M | $32,587 |
| First National Bank of Omaha | 13310 West Maple Road Omaha, NE 68164 | Full Service B&M | $247,992 |
| First National Bank of Omaha | 134 South 13th Street Lincoln, NE 68508 | Full Service B&M | $129,716 |
| First National Bank of Omaha | 1340 L Street Lincoln, NE 68508 | Limited, Drive-thru | $0 |
| First National Bank of Omaha | 13518 South Alden Street Olathe, KS 66062 | Full Service B&M | $64,772 |
| First National Bank of Omaha | 141 W Lincoln Highway Dekalb, IL 60115 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 141 W Lincoln Hwy Dekalb, IL 60115 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 141 W Lincoln Hwy Dekalb, IL 60115 | Full Service B&M | $619,931 |
| First National Bank of Omaha | 14310 Fnb Parkway Omaha, NE 68154 | Full Service B&M | $84,354 |
| First National Bank of Omaha | 1450 N. Boyd Lake Ave. Loveland, CO 80538 | Full Service B&M | $42,711 |
| First National Bank of Omaha | 1500 Market Lane Norfolk, NE 68701 | Full Service B&M | $56,695 |
| First National Bank of Omaha | 1501 North 84th Street Lincoln, NE 68505 | Full Service B&M | $18,531 |
| First National Bank of Omaha | 1505 Main Street Windsor, CO 80550 | Full Service B&M | $60,933 |
| First National Bank of Omaha | 152 East 6th Street Fremont, NE 68025 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 152 East Sixth Street Fremont, NE 68025 | Full Service B&M | $251,004 |
| First National Bank of Omaha | 155 East Boardwalk Drive Fort Collins, CO 80525 | Full Service B&M | $183,320 |
| First National Bank of Omaha | 1600 E. Bridge Street Brighton, CO 80601 | Full Service B&M | $50,640 |
| First National Bank of Omaha | 1600 North College Avenue Fort Collins, CO 80524 | Full Service B&M | $111,868 |
| First National Bank of Omaha | 1620 Dodge Street Omaha, NE 68102 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 1620 Dodge Street Omaha, NE 68197 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 1620 Dodge Street Omaha, NE 68197 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 1620 Dodge Street Omaha, NE 68197 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 1620 Dodge Street Omaha, NE 68197 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 1620 Dodge Street Omaha, NE 68197 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 1620 Dodge Street Omaha, NE 68197 | Full Service B&M | $6,171,601 |
| First National Bank of Omaha | 16770 West Maple Road Omaha, NE 68116 | Full Service B&M | $98,348 |
| First National Bank of Omaha | 1701 23rd Avenue Greeley, CO 80634 | Full Service B&M | $215,858 |
| First National Bank of Omaha | 1725 South State Street Belvidere, IL 61008 | Full Service B&M | $18,908 |
| First National Bank of Omaha | 17810 Welch Plaza Omaha, NE 68135 | Full Service B&M | $39,263 |
| First National Bank of Omaha | 1820 23rd Street Columbus, NE 68601 | Full Service B&M | $274,798 |
| First National Bank of Omaha | 1926 Broadway Scottsbluff, NE 69361 | Full Service B&M | $62,424 |
| First National Bank of Omaha | 2008 Pratt Bellevue, NE 68123 | Full Service B&M | $122,982 |
| First National Bank of Omaha | 201 East Francis Street North Platte, NE 69101 | Full Service B&M | $22,387 |
| First National Bank of Omaha | 201 North Dewey Street North Platte, NE 69101 | Full Service B&M | $243,554 |
| First National Bank of Omaha | 2023 South Locust Street Grand Island, NE 68801 | Full Service B&M | $10,244 |
| First National Bank of Omaha | 205 W Oak St Fort Collins, CO 80521 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 205 West Oak Street Fort Collins, CO 80521 | Full Service B&M | $991,887 |
| First National Bank of Omaha | 210 North Lawler Mitchell, SD 57301 | Full Service B&M | $101,514 |
| First National Bank of Omaha | 2100 Algonquin Road Lake In The Hills, IL 60102 | Full Service B&M | $36,570 |
| First National Bank of Omaha | 2100 West Drake Fort Collins, CO 80526 | Full Service B&M | $94,506 |
| First National Bank of Omaha | 2205 North 6th Street Beatrice, NE 68310 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 2205 North Sixth Street Beatrice, NE 68310 | Full Service B&M | $102,800 |
| First National Bank of Omaha | 2216 1st Avenue Kearney, NE 68847 | Limited, Drive-thru | $0 |
| First National Bank of Omaha | 2223 Second Avenue Kearney, NE 68847 | Full Service B&M | $349,550 |
| First National Bank of Omaha | 2305 Main Street Longmont, CO 80501 | Full Service B&M | $29,428 |
| First National Bank of Omaha | 4100 Harrison Wellington, CO 80549 | Full Service B&M | $42,601 |
| First National Bank of Omaha | 2421 West Broadway Council Bluffs, IA 51501 | Full Service B&M | $28,858 |
| First National Bank of Omaha | 2605 South 133rd Plaza Omaha, NE 68144 | Full Service B&M | $399,644 |
| First National Bank of Omaha | 2623 13th Street Columbus, NE 68601 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 2623 Thirteenth Street Columbus, NE 68601 | Full Service B&M | $101,003 |
| First National Bank of Omaha | 2625 South 175th Street Omaha, NE 68130 | Full Service B&M | $217,457 |
| First National Bank of Omaha | 2828 Shawnee Mission Parkway Fairway, KS 66205 | Full Service B&M | $76,481 |
| First National Bank of Omaha | 2913 Legacy Drive Plano, TX 75023 | Full Service B&M | $37,983 |
| First National Bank of Omaha | 2930 South 24th Str Omaha, NE 68108 | Full Service B&M | $55,271 |
| First National Bank of Omaha | 301 First Street Kersey, CO 80644 | Full Service B&M | $35,629 |
| First National Bank of Omaha | 3033 Iris Avenue Branch Boulder, CO 80301 | Full Service B&M | $219,083 |
| First National Bank of Omaha | 315 North 4th Street Norfolk, NE 68701 | Full Service B&M | $9,355 |
| First National Bank of Omaha | 315 West 3rd Street Chadron, NE 69337 | Full Service B&M | $47,417 |
| First National Bank of Omaha | 3205 North 90th Street Omaha, NE 68134 | Full Service B&M | $73,719 |
| First National Bank of Omaha | 3305 L Street Omaha, NE 68107 | Full Service B&M | $24,894 |
| First National Bank of Omaha | 332 Broadway Yankton, SD 57078 | Full Service B&M | $203,527 |
| First National Bank of Omaha | 355 South Division Street Harvard, IL 60033 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 355 South Division Street Harvard, IL 60033 | Full Service B&M | $67,933 |
| First National Bank of Omaha | 36 East Galena Boulevard Sugar Grove, IL 60554 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 36 East Galena Boulevard Sugar Grove, IL 60554 | Full Service B&M | $31,760 |
| First National Bank of Omaha | 3802 2nd Avenue Kearney, NE 68847 | Full Service B&M | $24,118 |
| First National Bank of Omaha | 3808 North 203rd Street Elkhorn, NE 68022 | Full Service B&M | $4,983 |
| First National Bank of Omaha | 3815 Denmark Drive Council Bluffs, IA 51501 | Full Service B&M | $70,201 |
| First National Bank of Omaha | 390 Justin Avenue Platteville, CO 80651 | Full Service B&M | $20,554 |
| First National Bank of Omaha | 397 Fourth Street David City, NE 68632 | Full Service B&M | $56,688 |
| First National Bank of Omaha | 4124 South 50th Street Omaha, NE 68117 | Full Service B&M | $136,945 |
| First National Bank of Omaha | 4500 Preston Road Frisco, TX 75034 | Full Service B&M | $59,382 |
| First National Bank of Omaha | 4520 West Algonquin Road Lake In The Hills, IL 60102 | Full Service B&M | $33,516 |
| First National Bank of Omaha | 4603 South Timberline Fort Collins, CO 80528 | Full Service B&M | $130,287 |
| First National Bank of Omaha | 4650 College Boulevard Overland Park, KS 66211 | Full Service B&M | $299,027 |
| First National Bank of Omaha | 4770 Table Mesa Drive Boulder, CO 80305 | Full Service B&M | $2,677 |
| First National Bank of Omaha | 4827 South 24th Street Omaha, NE 68107 | Full Service B&M | $14,202 |
| First National Bank of Omaha | 5006 Ames Avenue Omaha, NE 68104 | Full Service B&M | $52,997 |
| First National Bank of Omaha | 505 W 7th St Woonsocket, SD 57385 | Full Service B&M | $21,925 |
| First National Bank of Omaha | 511 West State Street Sycamore, IL 60178 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 511 West State Street Sycamore, IL 60178 | Full Service B&M | $49,053 |
| First National Bank of Omaha | 515 Mccaslin Blvd Louisville, CO 80027 | Full Service B&M | $53,830 |
| First National Bank of Omaha | 5150 Center Street Omaha, NE 68106 | Full Service B&M | $45,937 |
| First National Bank of Omaha | 5410 17th Avenue Kearney, NE 68847 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 5504 North 90th Street Omaha, NE 68134 | Full Service B&M | $138,778 |
| First National Bank of Omaha | 5812 South 144th Street Omaha, NE 68137 | Full Service B&M | $187,358 |
| First National Bank of Omaha | 615 Interlocken Boulevard Broomfield, CO 80021 | Full Service B&M | $10,881 |
| First National Bank of Omaha | 6301 Pflumm Shawnee, KS 66216 | Full Service B&M | $50,060 |
| First National Bank of Omaha | 6600 South 27th Street Lincoln, NE 68512 | Full Service B&M | $61,105 |
| First National Bank of Omaha | 6601 Route 34 Oswego, IL 60543 | Limited, Mobile/Seasonal Office | $0 |
| First National Bank of Omaha | 6601 Rt 34 Oswego, IL 60543 | Full Service B&M | $23,902 |
| First National Bank of Omaha | 677 East Grant Highway Marengo, IL 60152 | Full Service B&M | $66,957 |
| First National Bank of Omaha | 750 North Lincoln Loveland, CO 80537 | Full Service B&M | $99,880 |
| First National Bank of Omaha | 7818 Cass Street Omaha, NE 68114 | Full Service B&M | $205,824 |
| First National Bank of Omaha | 79 Second Street, S.W. Huron, SD 57350 | Full Service B&M | $26,795 |
| First National Bank of Omaha | 7901 W 159th Street Overland Park, KS 66223 | Full Service B&M | $13,520 |
| First National Bank of Omaha | 7960 Towne Center Parkway Papillion, NE 68046 | Full Service B&M | $66,618 |
| First National Bank of Omaha | 7978 Main Street La Vista, NE 68128 | Full Service B&M | $148,266 |
| First National Bank of Omaha | 801 East 23rd Street Fremont, NE 68025 | Full Service B&M | $86,864 |
| First National Bank of Omaha | 810 Allen Drive Grand Island, NE 68803 | Full Service B&M | $62,002 |
| First National Bank of Omaha | 8311 S. 167th Plz. Omaha, NE 68136 | Full Service B&M | $41,882 |
| First National Bank of Omaha | 8418 Frederick Street Omaha, NE 68124 | Full Service B&M | $179,865 |
| First National Bank of Omaha | 8633 Andermatt Drive Lincoln, NE 68526 | Full Service Retail | $27,996 |
| First National Bank of Omaha | 8800 West 135th Street Overland Park, KS 66221 | Full Service B&M | $101,613 |
| First National Bank of Omaha | 915 South Hover Street Longmont, CO 80501 | Full Service B&M | $91,242 |
| First National Bank of Omaha | 9161 Teel Parkway Frisco, TX 75034 | Full Service B&M | $33,236 |
| First National Bank of Omaha | 920 54th Avenue Greeley, CO 80634 | Full Service B&M | $80,071 |
| First National Bank of Omaha | 9700 Metcalf Overland Park, KS 66212 | Full Service B&M | $140,408 |
For 2018, First National Bank Of Omaha had 127 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $1,363,904 |
| Net interest income | $1,237,285 |
| Total noninterest income | $349,065 |
| Gross Fiduciary activities income | $44,670 |
| Service charges on deposit accounts | $33,451 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $270,944 |
| Pre-tax net operating income | $368,764 |
| Securities gains (or losses, -) | $-1,013 |
| Income before extraordinary items | $285,810 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $285,810 |
| Minority interest net income | $0 |
| Net income | $285,810 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $286,610 |
First National Bank Of Omaha's gross interest income from loans was $1,363,904,000.
First National Bank Of Omaha's net interest income from loans was $1,237,285,000.
First National Bank Of Omaha's fee based income from loans was $33,451,000.
First National Bank Of Omaha's net income from loans was $285,810,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $126,619 |
| Provision for credit losses | $326,765 |
| Total noninterest expense | $890,821 |
| Salaries and employee benefits | $441,015 |
| Premises and equipment expense | $73,842 |
| Additional noninterest expense | $375,964 |
| Applicable income taxes | $81,941 |
| Net charge-offs | $316,836 |
| Cash dividends | $110,021 |
First National Bank Of Omaha's interest expense for loans was $126,619,000.
First National Bank Of Omaha's payroll and benefits expense were $441,015,000.
First National Bank Of Omaha's property, plant and equipment expenses $73,842,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 1.0% |
| Credit card loans | 1.4% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 3.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $17,803,783 |
| Deposits held in domestic offices | $17,803,783 |
| Deposits by Individuals, partnerships, and corporations | $16,137,657 |
| Deposits by U.S. Government | $44 |
| Deposits by States and political subdivisions in the U.S. | $1,183,243 |
| Deposits by Commercial banks and other depository institutions in U.S. | $482,839 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,773,345 |
| Demand deposits | $1,659,021 |
| Nontransaction accounts | $16,030,438 |
| Money market deposit accounts (MMDAs) | $9,686,505 |
| Other savings deposits (excluding MMDAs) | $3,735,657 |
| Total time deposits | $2,608,276 |
| Total time and savings deposits | $16,144,762 |
| Noninterest-bearing deposits | $5,369,771 |
| Interest-bearing deposits | $12,434,012 |
| Retail deposits | $16,039,687 |
| IRAs and Keogh plan accounts | $320,608 |
| Brokered deposits | $1,187,873 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $21,582,885 |
| Cash & Balances due from depository institutions | $1,278,281 |
| Interest-bearing balances | $204,332 |
| Total securities | $3,475,321 |
| Federal funds sold & reverse repurchase | $4,775 |
| Net loans and leases | $15,547,798 |
| Loan and leases loss allowance | $402,621 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $489,666 |
| Other real estate owned | $10,767 |
| Goodwill and other intangibles | $229,069 |
| All other assets | $547,208 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $21,582,885 |
| Total Liabilities | $19,443,941 |
| Total deposits | $17,803,783 |
| Interest-bearing deposits | $12,434,012 |
| Deposits held in domestic offices | $17,803,783 |
| % insured (estimated) | $63 |
| Federal funds purchased and repurchase agreements | $21,622 |
| Trading liabilities | $0 |
| Other borrowed funds | $1,197,496 |
| Subordinated debt | $50,000 |
| All other liabilities | $371,040 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $15,547,798 |
| Loan and leases loss allowance | $402,621 |
| Total loans and leases (domestic) | $15,950,419 |
| All real estate loans | $5,290,020 |
| Real estate loans in domestic offices | $5,290,020 |
| Construction and development loans | $1,041,608 |
| Residential 1-4 family construction | $73,894 |
| Other construction, all land development and other land | $967,714 |
| Loans secured by nonfarm nonresidential properties | $2,173,549 |
| Nonfarm nonresidential secured by owner-occupied properties | $961,127 |
| Commercial real estate & other non-farm, non-residential | $1,212,422 |
| Multifamily residential real estate | $340,078 |
| 1-4 family residential loans | $1,339,724 |
| Farmland loans | $395,061 |
| Loans held in foreign offices | $0 |
| Farm loans | $1,412,071 |
| Commercial and industrial loans | $1,932,906 |
| To non-U.S. addressees | $15 |
| Loans to individuals | $6,910,839 |
| Credit card loans | $6,135,779 |
| Related Plans | $80,359 |
| Consumer Auto Loans | $43,635 |
| Other loans to individuals | $651,066 |
| All other loans & leases | $404,583 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $267,169 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $99,478 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $78,468 |
| Non 1-4 family restructured loans & leases | $67,484 |
| Total loans and leases (foreign) | $0 |
First National Bank of Omaha had $15,547,798,000 of loans outstanding in 2018. $5,290,020,000 of loans were in real estate loans. $1,041,608,000 of loans were in development loans. $340,078,000 of loans were in multifamily mortgage loans. $1,339,724,000 of loans were in 1-4 family mortgage loans. $1,412,071,000 of loans were in farm loans. $6,135,779,000 of loans were in credit card loans. $43,635,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 1,409 | $321,571 | $228,226 |
| Nonfarm, nonresidential loans - <$100k | 319 | $13,525 | $42,398 |
| Nonfarm, nonresidential loans - $100-250k | 471 | $60,826 | $129,142 |
| Nonfarm, nonresidential loans - $250k-1MM | 619 | $247,220 | $399,386 |
| Commercial & Industrial, US addressed loans - <$1MM | 123,572 | $858,386 | $6,946 |
| Commercial & Industrial, US addressed loans - <$100k | 119,042 | $561,495 | $4,717 |
| Commercial & Industrial, US addressed loans - $100-250k | 3,234 | $104,103 | $32,190 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1,296 | $192,788 | $148,756 |
| Farmland loans - <$1MM | 821 | $116,844 | $142,319 |
| Farmland loans - <$100k | 245 | $10,479 | $42,771 |
| Farmland loans - $100-250k | 347 | $43,664 | $125,833 |
| Farmland loans - $250k-1MM | 229 | $62,701 | $273,803 |
| Agriculture operations loans - <$1MM | 2,509 | $237,152 | $94,521 |
| Agriculture operations loans - <$100k | 1,350 | $38,282 | $28,357 |
| Agriculture operations loans - $100-250k | 751 | $89,999 | $119,839 |
| Agriculture operations loans - $250k-1MM | 408 | $108,871 | $266,841 |