First National Bank Of Omaha Mortgage Rates, Fees & Info

Omaha, NE

LEI: LDVFX8JEECFFE8HRWA73

Tax ID: 47-0259043

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Bank Data

Review & Overview

First National Bank Of Omaha is a small bank specializing in Home Purchase and Refi loans. First National Bank Of Omaha has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Omaha, Fort Collins, Kansas City, Minneapolis, and Chicago among others. We have data for 156 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.72% 12/17/24
30 Year Conventional Purchase 6.49% 12/17/24
30 Year Conventional Refi 6.50% 12/17/24
30 Year Cash-out Refi 6.67% 12/17/24
30 Year FHA Purchase 7.08% 12/17/24
30 Year FHA Refi 7.05% 12/17/24
30 Year VA Purchase 6.33% 12/17/24
30 Year VA Refi 6.27% 12/17/24
30 Year USDA Purchase 6.64% 12/17/24
30 Year USDA Refi 6.27% 12/17/24
15 Year Conventional Purchase 6.09% 12/17/24
15 Year Conventional Refi 6.25% 12/17/24
15 Year Cash-out Refi 6.25% 12/17/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First National Bank Of Omaha. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

10,860

Origination Dollar Volume (All Markets)

$2,353,080,000

Employee count

4,614 Show all (38) awards

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) 4,419 $746,945,000 $169,030 $2,538 4.34%
FORT COLLINS, CO (FHA|USDA|VA) 1,129 $263,985,000 $233,822 $3,013 4.50%
KANSAS CITY, MO-KS (FHA|USDA|VA) 929 $193,665,000 $208,466 $2,624 4.26%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 9 $143,675,000 $15,963,889 $3,145 4.29%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 940 $142,970,000 $152,096 $3,043 4.49%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 113 $108,825,000 $963,053 $4,242 4.01%
GREELEY, CO (FHA|USDA|VA) 495 $95,265,000 $192,455 $3,557 4.71%
LINCOLN, NE (FHA|USDA|VA) 405 $80,275,000 $198,210 $2,688 4.18%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 228 $73,260,000 $321,316 $3,120 4.42%
Outside of Metro Areas 444 $54,660,000 $123,108 $2,298 4.56%
BOULDER, CO (FHA|USDA|VA) 194 $54,370,000 $280,258 $2,962 4.46%
Kearney, NE (FHA|USDA|VA) 272 $39,710,000 $145,993 $2,700 4.23%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $38,530,000 $6,421,667 $5,018 3.68%
COLUMBIA, SC (FHA|USDA|VA) 1 $34,305,000 $34,305,000 $0 4.70%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 10 $33,640,000 $3,364,000 $2,706 4.16%
WICHITA, KS (FHA|USDA|VA) 7 $32,855,000 $4,693,571 $4,877 3.94%
Fremont, NE (FHA|USDA|VA) 208 $23,330,000 $112,163 $2,450 4.81%
GRAND ISLAND, NE (FHA|USDA|VA) 148 $18,040,000 $121,892 $2,319 4.32%
ROCKFORD, IL (FHA|USDA|VA) 89 $17,105,000 $192,191 $2,789 4.65%
North Platte, NE (FHA|USDA|VA) 102 $13,900,000 $136,275 $3,292 4.61%
Columbus, NE (FHA|USDA|VA) 89 $12,115,000 $136,124 $2,092 4.49%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 15 $9,575,000 $638,333 $3,559 4.28%
Emporia, KS (FHA|USDA|VA) 2 $8,670,000 $4,335,000 $0 4.39%
Norfolk, NE (FHA|USDA|VA) 70 $7,880,000 $112,571 $2,069 4.78%
Scottsbluff, NE (FHA|USDA|VA) 61 $7,845,000 $128,607 $2,897 4.50%
Yankton, SD (FHA|USDA|VA) 45 $7,015,000 $155,889 $2,915 4.23%
Ottawa, IL (FHA|USDA|VA) 48 $6,620,000 $137,917 $2,806 4.70%
Mitchell, SD (FHA|USDA|VA) 39 $6,215,000 $159,359 $2,716 4.81%
Steamboat Springs, CO (FHA|USDA|VA) 4 $5,760,000 $1,440,000 $3,825 4.34%
Beatrice, NE (FHA|USDA|VA) 46 $4,520,000 $98,261 $2,160 4.79%
Lexington, NE (FHA|USDA|VA) 23 $3,785,000 $164,565 $3,500 4.12%
RAPID CITY, SD (FHA|USDA|VA) 2 $3,590,000 $1,795,000 $2,064 4.13%
COLORADO SPRINGS, CO (FHA|USDA|VA) 11 $3,475,000 $315,909 $3,349 4.28%
Rochelle, IL (FHA|USDA|VA) 13 $3,145,000 $241,923 $3,191 4.18%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 7 $2,885,000 $412,143 $5,325 3.84%
Breckenridge, CO (FHA|USDA|VA) 5 $2,635,000 $527,000 $3,737 4.06%
TOPEKA, KS (FHA|USDA|VA) 5 $1,935,000 $387,000 $2,092 4.18%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 6 $1,700,000 $283,333 $3,318 3.44%
LAWRENCE, KS (FHA|USDA|VA) 8 $1,620,000 $202,500 $2,274 4.79%
SIOUX FALLS, SD (FHA|USDA|VA) 11 $1,615,000 $146,818 $2,943 4.34%
Hastings, NE (FHA|USDA|VA) 9 $1,575,000 $175,000 $2,155 3.67%
CHEYENNE, WY (FHA|USDA|VA) 8 $1,570,000 $196,250 $2,550 3.56%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,410,000 $352,500 $4,234 4.38%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $1,350,000 $675,000 $0 5.75%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $1,305,000 $435,000 $2,062 3.91%
Dixon, IL (FHA|USDA|VA) 7 $1,115,000 $159,286 $3,221 4.50%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $1,060,000 $265,000 $1,837 3.84%
Sterling, CO (FHA|USDA|VA) 3 $1,005,000 $335,000 $2,444 4.13%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $985,000 $328,333 $2,835 4.08%
Huron, SD (FHA|USDA|VA) 10 $950,000 $95,000 $2,760 4.51%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $920,000 $230,000 $2,799 4.13%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 5 $905,000 $181,000 $2,486 3.88%
Spirit Lake, IA (FHA|USDA|VA) 4 $760,000 $190,000 $2,365 3.69%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $710,000 $355,000 $2,648 3.56%
MANHATTAN, KS (FHA|USDA|VA) 3 $695,000 $231,667 $2,315 4.08%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $695,000 $231,667 $4,605 4.38%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $680,000 $340,000 $2,822 4.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $660,000 $330,000 $1,765 3.81%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $600,000 $300,000 $5,851 3.75%
PUEBLO, CO (FHA|USDA|VA) 3 $575,000 $191,667 $2,473 4.08%
Montrose, CO (FHA|USDA|VA) 2 $540,000 $270,000 $2,062 3.81%
FRESNO, CA (FHA|USDA|VA) 2 $520,000 $260,000 $2,745 4.06%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $510,000 $255,000 $1,701 3.44%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $490,000 $245,000 $2,900 4.13%
Edwards, CO (FHA|USDA|VA) 1 $475,000 $475,000 $3,813 4.13%
Laramie, WY (FHA|USDA|VA) 2 $470,000 $235,000 $2,013 3.38%
YAKIMA, WA (FHA|USDA|VA) 2 $470,000 $235,000 $4,635 3.56%
Maryville, MO (FHA|USDA|VA) 4 $430,000 $107,500 $2,036 4.13%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $415,000 $415,000 $2,723 3.63%
JOPLIN, MO (FHA|USDA|VA) 3 $415,000 $138,333 $3,785 4.19%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $405,000 $405,000 $6,523 4.38%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $405,000 $405,000 $2,809 3.75%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $395,000 $131,667 $3,078 3.79%
Fort Morgan, CO (FHA|USDA|VA) 3 $375,000 $125,000 $8,719 4.04%
Salina, KS (FHA|USDA|VA) 1 $345,000 $345,000 $2,443 3.63%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $345,000 $345,000 $0 4.75%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $325,000 $325,000 $2,196 4.38%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $305,000 $305,000 $2,707 4.63%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $305,000 $305,000 $1,015 3.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $300,000 $150,000 $3,107 3.75%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $295,000 $295,000 $2,835 3.63%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,882 4.13%
Glenwood Springs, CO (FHA|USDA|VA) 1 $285,000 $285,000 $6,194 3.63%
Ottawa, KS (FHA|USDA|VA) 2 $280,000 $140,000 $2,743 4.13%
Concord, NH (FHA|USDA|VA) 1 $275,000 $275,000 $2,488 3.00%
TUCSON, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $1,974 5.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $275,000 $275,000 $5,715 3.13%
Whitewater, WI (FHA|USDA|VA) 3 $265,000 $88,333 $1,106 5.38%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $265,000 $265,000 $7,538 4.00%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $255,000 $255,000 $1,946 3.75%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $255,000 $255,000 $1,504 3.25%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $255,000 $255,000 $2,459 4.25%
NILES, MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,760 3.88%
Clarksburg, WV (FHA|USDA|VA) 1 $245,000 $245,000 $2,861 3.50%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $245,000 $245,000 $3,078 4.13%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $245,000 $245,000 $2,114 3.88%
Astoria, OR (FHA|USDA|VA) 1 $245,000 $245,000 $2,415 3.63%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $235,000 $235,000 $2,998 3.63%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $235,000 $235,000 $6,026 4.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $225,000 $225,000 $1,478 3.88%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $225,000 $225,000 $2,348 3.88%
Warrensburg, MO (FHA|USDA|VA) 1 $225,000 $225,000 $2,078 4.13%
MANKATO, MN (FHA|USDA|VA) 1 $225,000 $225,000 $6,628 3.63%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.38%
Cookeville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $2,906 3.75%
KANKAKEE, IL (FHA|USDA|VA) 1 $215,000 $215,000 $5,509 3.50%
ODESSA, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,964 3.75%
CaƱon City, CO (FHA|USDA|VA) 1 $215,000 $215,000 $2,880 4.25%
Pierre, SD (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.49%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $205,000 $205,000 $1,764 4.25%
Carroll, IA (FHA|USDA|VA) 2 $200,000 $100,000 $3,603 4.75%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $195,000 $195,000 $1,915 3.13%
Spearfish, SD (FHA|USDA|VA) 3 $195,000 $65,000 $0 5.22%
Aberdeen, WA (FHA|USDA|VA) 1 $195,000 $195,000 $3,403 3.63%
KOKOMO, IN (FHA|USDA|VA) 1 $185,000 $185,000 $1,541 5.13%
DULUTH, MN-WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,829 4.13%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.88%
READING, PA (FHA|USDA|VA) 1 $185,000 $185,000 $2,729 4.25%
TOLEDO, OH (FHA|USDA|VA) 1 $185,000 $185,000 $6,259 5.88%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $175,000 $175,000 $1,584 4.25%
LUBBOCK, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,831 3.88%
JACKSON, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,631 4.50%
WACO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,887 3.50%
AMES, IA (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.75%
Branson, MO (FHA|USDA|VA) 1 $155,000 $155,000 $5,185 3.38%
Sedalia, MO (FHA|USDA|VA) 1 $155,000 $155,000 $1,916 3.75%
Huntsville, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,129 4.75%
Fort Dodge, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,272 4.13%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $145,000 $145,000 $4,012 4.13%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $145,000 $145,000 $4,700 3.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $145,000 $145,000 $1,512 3.50%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $145,000 $145,000 $1,907 3.25%
EL PASO, TX (FHA|USDA|VA) 1 $135,000 $135,000 $3,293 4.75%
Storm Lake, IA (FHA|USDA|VA) 1 $135,000 $135,000 $1,917 2.80%
Grand Rapids, MN (FHA|USDA|VA) 1 $135,000 $135,000 $1,445 3.63%
PEORIA, IL (FHA|USDA|VA) 1 $135,000 $135,000 $1,990 3.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,084 3.25%
FORT WAYNE, IN (FHA|USDA|VA) 2 $130,000 $65,000 $1,443 3.81%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $125,000 $125,000 $2,369 3.75%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $125,000 $125,000 $1,641 3.63%
Aberdeen, SD (FHA|USDA|VA) 1 $125,000 $125,000 $2,071 3.88%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $125,000 $125,000 $1,698 4.38%
Pontiac, IL (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.00%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $115,000 $115,000 $2,990 4.25%
Atchison, KS (FHA|USDA|VA) 1 $105,000 $105,000 $1,542 5.13%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $105,000 $105,000 $3,342 4.38%
FLINT, MI (FHA|USDA|VA) 1 $85,000 $85,000 $914 3.50%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.25%
Centralia, IL (FHA|USDA|VA) 1 $75,000 $75,000 $1,310 4.38%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $65,000 $65,000 $1,446 3.38%
PITTSBURGH, PA (FHA|USDA|VA) 1 $65,000 $65,000 $2,028 4.25%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $55,000 $55,000 $500 5.00%
Central City, KY (FHA|USDA|VA) 1 $35,000 $35,000 $2,539 4.50%
Ottumwa, IA (FHA|USDA|VA) 1 $35,000 $35,000 $1,706 4.13%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $25,000 $25,000 $1,962 4.50%
Great Bend, KS (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.99%
First National Bank Of Omaha's top markets include Omaha, Fort Collins, Kansas City, Minneapolis, and Chicago among others.

Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,628 $1,839,980,000 $277,607 $2,304 4.13%
    HELOC 3,085 $288,765,000 $93,603 n/a 5.17%
    FHA 636 $113,920,000 $179,119 $5,475 3.96%
    VA 402 $96,530,000 $240,124 $4,491 3.67%
    USDA 109 $13,885,000 $127,385 $3,601 3.91%

    For 2019, First National Bank Of Omaha's most frequently originated type of loan was Conventional, with 6,628 originations. Their 2nd most popular type was HELOC, with 3,085 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,904 $1,442,490,000 $294,146 $3,011 4.07%
    Refi 2,783 $535,665,000 $192,478 $2,140 4.30%
    Home Improvement 1,219 $88,905,000 $72,933 $464 5.45%
    Cash Out Refi 983 $213,225,000 $216,913 $2,999 4.07%
    Other 971 $72,795,000 $74,969 $813 5.29%

    For 2019, First National Bank Of Omaha's most frequently cited loan purpose was Home Purchase, with 4,904 originations. The 2nd most popular reason was Refi, with 2,783 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 9,017 $1,666,625,000 $184,831 $3,046 4.40%
    15 Year 733 $133,195,000 $181,712 $2,142 4.02%
    10 Year 372 $18,940,000 $50,914 $378 3.70%
    5 Year 305 $168,215,000 $551,525 $279 5.18%
    Other 297 $329,075,000 $1,107,997 $750 5.01%
    20 Year 87 $17,735,000 $203,851 $2,342 4.02%
    1 Year 36 $3,470,000 $96,389 $0 5.92%
    3 Year 12 $15,670,000 $1,305,833 $250 5.02%
    30+ year 1 $155,000 $155,000 $0 2.49%

    For 2019, First National Bank Of Omaha's most frequently cited loan duration was 30 Year, with 9,017 originations. The 2nd most popular length was 15 Year, with 733 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 5,321 $1,082,715,000 $203,480
    $1k-2k 1,496 $349,500,000 $233,623
    $2k-3k 213 $60,035,000 $281,854
    $3k-4k 100 $28,460,000 $284,600
    $4k-5k 32 $12,500,000 $390,625
    $5k+ 31 $12,945,000 $417,581

    First National Bank Of Omaha's average total fees were $3,046, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 5,321 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 4,015 $988,245,000 $246,138
    4-5% 3,674 $989,170,000 $269,235
    5-6% 2,221 $284,655,000 $128,165
    <2.5% 622 $56,050,000 $90,113
    6-7% 169 $13,035,000 $77,130
    7-8% 80 $6,280,000 $78,500
    2.5-3% 60 $15,350,000 $255,833
    Over 8% 1 $25,000 $25,000

    During 2019, First National Bank Of Omaha's average interest rate for loans was 4.40%, while their most frequently originated rate bucket for loans was 3-4%, with 4,015 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 3,898 $574,080,000 $147,276 $2,710 4.29%
    $100,000 or less 3,315 $179,645,000 $54,192 $1,383 5.00%
    $200k-400k 3,005 $824,455,000 $274,361 $3,131 3.96%
    $400k-600k 481 $222,595,000 $462,775 $3,452 3.92%
    $600k-1MM 102 $74,650,000 $731,863 $3,129 3.86%
    $1MM+ 59 $477,655,000 $8,095,847 $5,208 4.34%

    2019 saw First National Bank Of Omaha place emphasis on $100k-200k loans with 3,898 originations, totaling $574,080,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,444 $465,280,000 $190,376 $2,840 4.46%
    $50k-75k 2,284 $329,720,000 $144,361 $2,792 4.40%
    $75k-100k 1,938 $320,810,000 $165,537 $2,845 4.48%
    $50k or less 1,458 $157,320,000 $107,901 $2,667 4.42%
    $150k-250k 1,314 $313,750,000 $238,775 $2,660 4.35%
    $250k+ 528 $197,710,000 $374,451 $2,882 4.30%

    First National Bank Of Omaha lent most frequently to those with incomes in the $100k-150k range, with 2,444 originations. The second most popular income band? $50k-75k, with 2,284 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,281 $423,295,000 $185,574 $2,607 4.30%
    30-36% 2,115 $382,295,000 $180,754 $2,692 4.37%
    <20% 767 $160,315,000 $209,016 $2,477 4.17%
    45% 667 $78,675,000 $117,954 $2,815 4.98%
    44% 569 $83,795,000 $147,267 $2,570 4.79%
    43% 478 $84,550,000 $176,883 $2,860 4.54%
    41% 406 $74,280,000 $182,956 $3,007 4.45%
    39% 388 $66,700,000 $171,907 $2,926 4.46%
    42% 380 $68,580,000 $180,474 $2,660 4.52%
    38% 378 $71,360,000 $188,783 $2,762 4.41%
    36% 369 $62,575,000 $169,580 $2,770 4.36%
    37% 356 $62,430,000 $175,365 $2,883 4.47%
    40% 346 $60,980,000 $176,243 $2,632 4.44%
    47% 172 $35,780,000 $208,023 $3,287 4.07%
    46% 167 $34,395,000 $205,958 $3,237 4.17%
    49% 140 $31,200,000 $222,857 $3,286 4.11%
    48% 135 $30,525,000 $226,111 $3,444 4.09%
    50-60% 122 $27,260,000 $223,443 $5,231 3.90%
    >60% 12 $2,150,000 $179,167 $2,637 4.15%

    First National Bank Of Omaha lent most frequently to those with DTI ratios of 20-30%, with 2,281 originations. The next most common DTI ratio? 30-36%, with 2,115 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 9,067 $1,582,235,000 $174,505 $2,715 4.38%
    Not applicable 255 $468,545,000 $1,837,431 $0 5.28%
    Not provided 1,140 $225,490,000 $197,798 $2,716 4.40%
    Asian 186 $40,550,000 $218,011 $2,836 4.05%
    Black 154 $26,160,000 $169,870 $3,294 4.22%
    American Indian 30 $5,060,000 $168,667 $2,607 4.52%
    Native Hawaiian or Islander 14 $2,150,000 $153,571 $2,220 4.70%
    Asian Indian 8 $2,030,000 $253,750 $1,962 3.37%
    Other Asian 1 $175,000 $175,000 $4,584 3.88%
    Chinese 1 $155,000 $155,000 $0 5.00%
    Japanese 1 $155,000 $155,000 $0 5.99%
    Filipino 1 $155,000 $155,000 $0 7.50%
    Korean 1 $135,000 $135,000 $3,516 4.00%
    Guamanian 1 $85,000 $85,000 $2,620 4.75%

    Approval Rates

    Total approvals of all applications
    88.05%

    First National Bank Of Omaha has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.81%

    First National Bank Of Omaha has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 10,860 $2,353,080,000 $216,674

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $1,055,000 $1,055,000
    Multifamily:Site-Built 96 $449,340,000 $4,680,625
    Single Family (1-4 Units):Manufactured 16 $1,500,000 $93,750
    Single Family (1-4 Units):Site-Built 10,747 $1,901,185,000 $176,904

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,676 $175,570,000 $104,755 $1,452 5.01%
    40-60% 1,120 $321,710,000 $287,241 $2,286 4.36%
    60-80% 2,568 $882,440,000 $343,629 $2,561 4.19%
    80-100% 3,845 $862,895,000 $224,420 $3,189 4.05%
    Over 100% 62 $15,650,000 $252,419 $8,592 3.69%
    Under 20% 1,576 $86,830,000 $55,095 $261 4.97%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Closing on a mortgage 2 33.3%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Struggling to pay mortgage 1 16.7%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Trouble during payment process 3 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 $75,679
    First National Bank of Omaha 100 Johnstown Center Drive Johnstown, CO 80534 Full Service B&M $78,844
    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 $98,647
    First National Bank of Omaha 102 South Locust Street Glenwood, IA 51534 Full Service B&M $521,868
    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 $216,352
    First National Bank of Omaha 1101 Central Avenue Mall Fort Collins, CO 80521 Full Service B&M $38,667
    First National Bank of Omaha 1123 Howard Street Omaha, NE 68102 Full Service B&M $22,126
    First National Bank of Omaha 11404 West Dodge Road Omaha, NE 68154 Full Service B&M $271,678
    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 $33,315
    First National Bank of Omaha 11700 Route 47 Huntley, IL 60142 Full Service B&M $74,266
    First National Bank of Omaha 12009 Sheridan Blvd Broomfield, CO 80020 Full Service B&M $83,685
    First National Bank of Omaha 124 West Third Street Alliance, NE 69301 Full Service B&M $87,377
    First National Bank of Omaha 152 East 6th Street Fremont, NE 68025 Limited, Mobile/Seasonal Office $0
    First National Bank of Omaha 1300 Preston Road Plano, TX 75093 Full Service B&M $80,704
    First National Bank of Omaha 13310 West Maple Road Omaha, NE 68164 Full Service B&M $255,039
    First National Bank of Omaha 134 South 13th Street Lincoln, NE 68508 Full Service B&M $229,183
    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 $68,835
    First National Bank of Omaha 1926 Broadway Scottsbluff, NE 69361 Full Service B&M $74,619
    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 $507,362
    First National Bank of Omaha 14310 Fnb Parkway Omaha, NE 68154 Full Service B&M $87,460
    First National Bank of Omaha 1450 N. Boyd Lake Ave. Loveland, CO 80538 Full Service B&M $51,448
    First National Bank of Omaha 1500 Market Lane Norfolk, NE 68701 Full Service B&M $81,828
    First National Bank of Omaha 1501 North 84th Street Lincoln, NE 68505 Full Service B&M $17,350
    First National Bank of Omaha 1505 Main Street Windsor, CO 80550 Full Service B&M $72,809
    First National Bank of Omaha 152 East Sixth Street Fremont, NE 68025 Full Service B&M $248,499
    First National Bank of Omaha 155 East Boardwalk Drive Fort Collins, CO 80525 Full Service B&M $191,103
    First National Bank of Omaha 1600 E. Bridge Street Brighton, CO 80601 Full Service B&M $69,958
    First National Bank of Omaha 1600 North College Avenue Fort Collins, CO 80524 Full Service B&M $122,417
    First National Bank of Omaha 2223 Second Avenue Kearney, NE 68847 Full Service B&M $303,071
    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 $6,591,873
    First National Bank of Omaha 16770 West Maple Road Omaha, NE 68116 Full Service B&M $105,909
    First National Bank of Omaha 1701 23rd Avenue Greeley, CO 80634 Full Service B&M $242,083
    First National Bank of Omaha 1725 South State Street Belvidere, IL 61008 Full Service B&M $40,132
    First National Bank of Omaha 17810 Welch Plaza Omaha, NE 68135 Full Service B&M $42,138
    First National Bank of Omaha 1820 23rd Street Columbus, NE 68601 Full Service B&M $241,723
    First National Bank of Omaha 2008 Pratt Bellevue, NE 68123 Full Service B&M $126,653
    First National Bank of Omaha 201 East Francis Street North Platte, NE 69101 Full Service B&M $22,797
    First National Bank of Omaha 201 North Dewey Street North Platte, NE 69101 Full Service B&M $209,861
    First National Bank of Omaha 2023 South Locust Street Grand Island, NE 68801 Full Service B&M $12,033
    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 $923,444
    First National Bank of Omaha 2075 State Highway 7 Erie, CO 80516 Full Service B&M $1,249
    First National Bank of Omaha 210 North Lawler Mitchell, SD 57301 Full Service B&M $150,025
    First National Bank of Omaha 2100 Algonquin Road Lake In The Hills, IL 60102 Full Service B&M $67,136
    First National Bank of Omaha 2100 West Drake Fort Collins, CO 80526 Full Service B&M $92,948
    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 $101,457
    First National Bank of Omaha 2216 1st Avenue Kearney, NE 68847 Limited, Drive-thru $0
    First National Bank of Omaha 2305 Main Street Longmont, CO 80501 Full Service B&M $31,834
    First National Bank of Omaha 2421 West Broadway Council Bluffs, IA 51501 Full Service B&M $29,718
    First National Bank of Omaha 2605 South 133rd Plaza Omaha, NE 68144 Full Service B&M $414,348
    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 $101,001
    First National Bank of Omaha 2625 South 175th Street Omaha, NE 68130 Full Service B&M $226,916
    First National Bank of Omaha 2828 Shawnee Mission Parkway Fairway, KS 66205 Full Service B&M $75,307
    First National Bank of Omaha 2913 Legacy Drive Plano, TX 75023 Full Service B&M $81,011
    First National Bank of Omaha 2930 South 24th Str Omaha, NE 68108 Full Service B&M $58,130
    First National Bank of Omaha 301 First Street Kersey, CO 80644 Full Service B&M $42,697
    First National Bank of Omaha 3033 Iris Avenue Branch Boulder, CO 80301 Full Service B&M $207,918
    First National Bank of Omaha 315 North 4th Street Norfolk, NE 68701 Full Service B&M $11,258
    First National Bank of Omaha 315 West 3rd Street Chadron, NE 69337 Full Service B&M $53,721
    First National Bank of Omaha 3205 North 90th Street Omaha, NE 68134 Full Service B&M $71,718
    First National Bank of Omaha 3305 L Street Omaha, NE 68107 Full Service B&M $29,664
    First National Bank of Omaha 332 Broadway Yankton, SD 57078 Full Service B&M $162,892
    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 $68,765
    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 $46,289
    First National Bank of Omaha 3802 2nd Avenue Kearney, NE 68847 Full Service B&M $25,155
    First National Bank of Omaha 3808 North 203rd Street Elkhorn, NE 68022 Full Service B&M $11,682
    First National Bank of Omaha 3815 Denmark Drive Council Bluffs, IA 51501 Full Service B&M $75,931
    First National Bank of Omaha 397 Fourth Street David City, NE 68632 Full Service B&M $58,863
    First National Bank of Omaha 4100 Harrison Wellington, CO 80549 Full Service B&M $47,610
    First National Bank of Omaha 4124 South 50th Street Omaha, NE 68117 Full Service B&M $137,148
    First National Bank of Omaha 4500 Preston Road Frisco, TX 75034 Full Service B&M $68,873
    First National Bank of Omaha 4520 West Algonquin Road Lake In The Hills, IL 60102 Full Service B&M $34,283
    First National Bank of Omaha 4603 South Timberline Fort Collins, CO 80528 Full Service B&M $136,327
    First National Bank of Omaha 4650 College Boulevard Overland Park, KS 66211 Full Service B&M $286,161
    First National Bank of Omaha 4770 Table Mesa Drive Boulder, CO 80305 Full Service B&M $7,463
    First National Bank of Omaha 4827 South 24th Street Omaha, NE 68107 Full Service B&M $15,461
    First National Bank of Omaha 5006 Ames Avenue Omaha, NE 68104 Full Service B&M $47,392
    First National Bank of Omaha 505 W 7th St Woonsocket, SD 57385 Full Service B&M $27,612
    First National Bank of Omaha 511 W State St Sycamore, IL 60178 Limited, Mobile/Seasonal Office $0
    First National Bank of Omaha 511 W State St Sycamore, IL 60178 Full Service B&M $53,050
    First National Bank of Omaha 515 Mccaslin Blvd Louisville, CO 80027 Full Service B&M $53,468
    First National Bank of Omaha 5150 Center Street Omaha, NE 68106 Full Service B&M $46,105
    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 $142,982
    First National Bank of Omaha 5812 South 144th Street Omaha, NE 68137 Full Service B&M $197,090
    First National Bank of Omaha 615 Interlocken Boulevard Broomfield, CO 80021 Full Service B&M $13,727
    First National Bank of Omaha 6301 Pflumm Shawnee, KS 66216 Full Service B&M $49,504
    First National Bank of Omaha 6600 South 27th Street Lincoln, NE 68512 Full Service B&M $56,402
    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 $26,308
    First National Bank of Omaha 915 South Hover Street Longmont, CO 80501 Full Service B&M $92,938
    First National Bank of Omaha 677 East Grant Highway Marengo, IL 60152 Full Service B&M $73,127
    First National Bank of Omaha 750 North Lincoln Loveland, CO 80537 Full Service B&M $98,644
    First National Bank of Omaha 7818 Cass Street Omaha, NE 68114 Full Service B&M $214,823
    First National Bank of Omaha 79 Second Street, S.W. Huron, SD 57350 Full Service B&M $28,517
    First National Bank of Omaha 7901 W 159th Street Overland Park, KS 66223 Full Service B&M $20,877
    First National Bank of Omaha 7960 Towne Center Parkway Papillion, NE 68046 Full Service B&M $71,531
    First National Bank of Omaha 7978 Main Street La Vista, NE 68128 Full Service B&M $151,304
    First National Bank of Omaha 801 East 23rd Street Fremont, NE 68025 Full Service B&M $94,522
    First National Bank of Omaha 810 Allen Drive Grand Island, NE 68803 Full Service B&M $75,974
    First National Bank of Omaha 8311 S. 167th Plz. Omaha, NE 68136 Full Service B&M $51,332
    First National Bank of Omaha 8418 Frederick Street Omaha, NE 68124 Full Service B&M $184,382
    First National Bank of Omaha 8633 Andermatt Drive Lincoln, NE 68526 Full Service Retail $27,643
    First National Bank of Omaha 8800 West 135th Street Overland Park, KS 66221 Full Service B&M $102,314
    First National Bank of Omaha 9161 Teel Parkway Frisco, TX 75034 Full Service B&M $44,171
    First National Bank of Omaha 920 54th Avenue Greeley, CO 80634 Full Service B&M $97,146
    First National Bank of Omaha 9700 Metcalf Overland Park, KS 66212 Full Service B&M $122,775

    For 2019, First National Bank Of Omaha had 125 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $1,463,886
    Net interest income $1,282,876
    Total noninterest income $350,089
    Gross Fiduciary activities income $43,014
    Service charges on deposit accounts $33,575
    Trading account gains and fees $0
    Additional Noninterest Income $273,500
    Pre-tax net operating income $390,849
    Securities gains (or losses, -) $895
    Income before extraordinary items $300,537
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $300,537
    Minority interest net income $0
    Net income $300,537
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $299,829

    First National Bank Of Omaha's gross interest income from loans was $1,463,886,000.
    First National Bank Of Omaha's net interest income from loans was $1,282,876,000.
    First National Bank Of Omaha's fee based income from loans was $33,575,000.
    First National Bank Of Omaha's net income from loans was $300,537,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $181,010
    Provision for credit losses $291,160
    Total noninterest expense $950,956
    Salaries and employee benefits $502,296
    Premises and equipment expense $75,969
    Additional noninterest expense $372,691
    Applicable income taxes $91,207
    Net charge-offs $316,957
    Cash dividends $143,868

    First National Bank Of Omaha's interest expense for loans was $181,010,000.
    First National Bank Of Omaha's payroll and benefits expense were $502,296,000.
    First National Bank Of Omaha's property, plant and equipment expenses $75,969,000.

    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 1.3%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $18,318,667
    Deposits held in domestic offices $18,318,667
    Deposits by Individuals, partnerships, and corporations $16,858,138
    Deposits by U.S. Government $64
    Deposits by States and political subdivisions in the U.S. $1,072,572
    Deposits by Commercial banks and other depository institutions in U.S. $387,893
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,938,812
    Demand deposits $1,827,020
    Nontransaction accounts $16,379,855
    Money market deposit accounts (MMDAs) $10,255,646
    Other savings deposits (excluding MMDAs) $3,643,080
    Total time deposits $2,481,129
    Total time and savings deposits $16,491,647
    Noninterest-bearing deposits $5,216,909
    Interest-bearing deposits $13,101,758
    Retail deposits $16,731,025
    IRAs and Keogh plan accounts $304,877
    Brokered deposits $1,150,261
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $22,555,038
    Cash & Balances due from depository institutions $1,074,378
    Interest-bearing balances $227,759
    Total securities $3,929,888
    Federal funds sold & reverse repurchase $6,700
    Net loans and leases $16,157,538
    Loan and leases loss allowance $376,824
    Trading account assets $0
    Bank premises and fixed assets $521,462
    Other real estate owned $3,593
    Goodwill and other intangibles $213,252
    All other assets $648,227

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $22,555,038
    Total Liabilities $20,190,707
    Total deposits $18,318,667
    Interest-bearing deposits $13,101,758
    Deposits held in domestic offices $18,318,667
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $191,787
    Trading liabilities $0
    Other borrowed funds $1,153,056
    Subordinated debt $50,000
    All other liabilities $477,197

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $16,157,538
    Loan and leases loss allowance $376,824
    Total loans and leases (domestic) $16,534,362
    All real estate loans $5,585,658
    Real estate loans in domestic offices $5,585,658
    Construction and development loans $982,817
    Residential 1-4 family construction $103,910
    Other construction, all land development and other land $878,907
    Loans secured by nonfarm nonresidential properties $2,367,866
    Nonfarm nonresidential secured by owner-occupied properties $1,030,925
    Commercial real estate & other non-farm, non-residential $1,336,941
    Multifamily residential real estate $373,221
    1-4 family residential loans $1,473,163
    Farmland loans $388,591
    Loans held in foreign offices $0
    Farm loans $1,486,524
    Commercial and industrial loans $1,893,662
    To non-U.S. addressees $18
    Loans to individuals $7,183,382
    Credit card loans $6,396,629
    Related Plans $79,046
    Consumer Auto Loans $39,799
    Other loans to individuals $667,908
    All other loans & leases $385,136
    Loans to foreign governments and official institutions $0
    Other loans $257,985
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $100,802
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $79,556
    Non 1-4 family restructured loans & leases $68,526
    Total loans and leases (foreign) $0

    First National Bank of Omaha had $16,157,538,000 of loans outstanding in 2019. $5,585,658,000 of loans were in real estate loans. $982,817,000 of loans were in development loans. $373,221,000 of loans were in multifamily mortgage loans. $1,473,163,000 of loans were in 1-4 family mortgage loans. $1,486,524,000 of loans were in farm loans. $6,396,629,000 of loans were in credit card loans. $39,799,000 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 1,453 $343,708 $236,551
    Nonfarm, nonresidential loans - <$100k 308 $12,938 $42,006
    Nonfarm, nonresidential loans - $100-250k 467 $60,709 $129,998
    Nonfarm, nonresidential loans - $250k-1MM 678 $270,061 $398,320
    Commercial & Industrial, US addressed loans - <$1MM 116,842 $866,505 $7,416
    Commercial & Industrial, US addressed loans - <$100k 112,108 $574,676 $5,126
    Commercial & Industrial, US addressed loans - $100-250k 3,351 $100,273 $29,923
    Commercial & Industrial, US addressed loans - $250k-1MM 1,383 $191,556 $138,508
    Farmland loans - <$1MM 776 $112,429 $144,883
    Farmland loans - <$100k 211 $8,697 $41,218
    Farmland loans - $100-250k 344 $43,554 $126,610
    Farmland loans - $250k-1MM 221 $60,178 $272,299
    Agriculture operations loans - <$1MM 2,234 $212,323 $95,042
    Agriculture operations loans - <$100k 1,170 $33,113 $28,302
    Agriculture operations loans - $100-250k 655 $76,036 $116,085
    Agriculture operations loans - $250k-1MM 409 $103,174 $252,259