The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 3 points (69 → 72), mostly because the earnings component improved by 16 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Yes. First National Bank of Omaha is an FDIC-insured institution (FDIC certificate #5452). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.9% of deposits ($9.4B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.92% (benchmark: 10%).

Check how much of your own balance is covered

First National Bank of Omaha lists 125 offices in 69 cities across 9 states. Most locations:

• Omaha, NE (16)
• Fort Collins, CO (6)
• Overland Park, KS (6)
• Kansas City, MO (4)
• Cheyenne, WY (3)
• Lees Summit, MO (3)
• Lincoln, NE (3)
• Loveland, CO (3)
• Olathe, KS (3)
• Blue Springs, MO (2)
• Boulder, CO (2)
• Columbus, NE (2)

All branch addresses and map

Over the last three years, the CFPB forwarded 1,803 consumer complaints about FIRST NATIONAL BANK OF OMAHA to the company (660 in the last 12 months). 99.8% received a timely response. That is 64.9 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, First National Bank of Omaha reported 6,163 home-loan applications under HMDA (LEI LDVFX8JEECFFE8HRWA73): 3,757 originated ($1,263,185,000 total), 1,354 denied, and 928 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

All First National Bank Of Omaha card terms

Legal name

First National Bank of Omaha

Former names

The First National Bank of Omaha

Type

National bank

FDIC certificate #

5452

RSSD ID

527954

Primary regulator

OCC

Holding company

Lauritzen Corp

Established

January 1, 1857

Headquarters

1601 Capitol Avenue, Omaha, NE 68102

Website

www.fnbo.com

Employees

4,255