TellerScore

Headquartered in Omaha, Nebraska, Security National Bank of Omaha is a national bank with $1.9B in total assets and $1.5B in deposits as of Q2 2026. It operates 14 offices across 3 states. Its charter dates back to 1964.

Based on its Q2 2026 filing, Security National Bank of Omaha scores 62/100, which we describe as moderate. That is higher than only 27% of 897 banks with $1 billion – $10 billion. Among 139 banks headquartered in Nebraska, it ranks 115th. Its strongest component is problem-loan coverage (86/100; 7.1%), and its lowest is funding & liquidity (33/100; 91% loans-to-deposits, 48% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.58%
Loan quality66/100
Noncurrent loans ÷ total loans: 1.03%
Earnings78/100
Return on assets (annualized): 1.46%
Funding & liquidity33/100
Loans ÷ deposits and uninsured-deposit share: 90.7% · 47.7% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.08%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (68 → 62), mostly because the loan quality component weakened by 29 points.

TellerScore
626670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202465
Q1 202568
Q2 202568
Q3 202568
Q4 202570
Q1 202665
Q2 202662
Tier 1 leverage ratio
5.00%7.95%10.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.26%
Q3 20249.31%
Q4 20249.45%
Q1 202510.07%
Q2 20259.96%
Q3 202510.02%
Q4 202510.55%
Q1 202610.90%
Q2 202610.58%
Noncurrent loans
0.12%0.58%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.27%
Q3 20240.29%
Q4 20240.16%
Q1 20250.14%
Q2 20250.14%
Q3 20250.12%
Q4 20250.19%
Q1 20261.04%
Q2 20261.03%
Return on assets
1.00%1.27%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20241.05%
Q4 20241.07%
Q1 20251.26%
Q2 20251.25%
Q3 20251.27%
Q4 20251.28%
Q1 20261.53%
Q2 20261.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$1.9B10.58%1.03%1.46%90.7%
Q1 202665$1.8B10.90%1.04%1.53%85.6%
Q4 202570$1.7B10.55%0.19%1.28%91.4%
Q3 202568$1.8B10.02%0.12%1.27%90.0%
Q2 202568$1.8B9.96%0.14%1.25%87.8%
Q1 202568$1.7B10.07%0.14%1.26%87.8%
Q4 202465$1.8B9.45%0.16%1.07%84.3%
Q3 202463$1.8B9.31%0.29%1.05%82.5%
Q2 202462$1.6B9.26%0.27%1.00%87.2%

897 peers · $1 billion – $10 billion

How it compares with peers

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

Capital ratio10.58%
52nd
Total risk-based capital14.63%
62nd
Problem loans1.03%
26th
Net charge-offs-0.00%
87th
Return on assets1.46%
68th
Net interest margin4.36%
83rd
Efficiency ratio63.3%
36th
Loans to deposits90.7%
38th
Uninsured deposits47.7%
12th
Loan-loss reserves1.42%
82nd
Texas ratio7.1%
25th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Exchange BankBank Kearney, NE54 out of 100, Below average$1.6B11.4%3.49%vs
Elkhorn Valley Bank & TrustBank Norfolk, NE71 out of 100, Strong$1.5B10.5%0.39%vs
Five Points BankBank Grand Island, NE76 out of 100, Strong$2.2B10.3%0.01%vs
West Gate BankBank Lincoln, NE72 out of 100, Strong$1.5B10.4%0.25%vs
Security First BankBank Lincoln, NE65 out of 100, Moderate$2.3B8.3%0.17%vs
Adams Bank & TrustBank Ogallala, NE82 out of 100, Strong$1.3B14.1%0.55%vs

Deposit insurance

Is my money safe at Security National Bank of Omaha?

Yes. Security National Bank of Omaha is an FDIC-insured institution (FDIC certificate #19213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.7% of deposits ($713.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.63% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Security National Bank of Omaha lists 10 offices in 4 cities across 3 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 18 consumer complaints about Security National Financial Corp to the company (6 in the last 12 months). 100.0% received a timely response. That is 12.0 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.

HMDA 2025

Mortgage lending

In 2025, Security National Bank of Omaha reported 153 home-loan applications under HMDA (LEI 5493007RCYAICJL91Z44): 90 originated ($36,400,000 total), 11 denied, and 44 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.1%, 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.

Identity & history

Profile

Legal name
Security National Bank of Omaha
Type
National bank
FDIC certificate #
19213
RSSD ID
844053
Primary regulator
OCC
Holding company
Security National Corp
Established
September 1, 1964
Headquarters
1120 S 101st St, Omaha, NE 68124
Employees
242

Quick answers

Security National Bank of Omaha: common questions

Is Security National Bank of Omaha FDIC insured?

Yes. Security National Bank of Omaha is an FDIC-insured institution (FDIC certificate #19213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security National Bank of Omaha's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Security National Bank of Omaha ever failed?

There is no failure record for FDIC certificate #19213 in the FDIC failed bank list.

How many branches does Security National Bank of Omaha have?

14 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Omaha

InstitutionScoreAssetsCapitalProblem loansCompare
Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE98 out of 100, Very strong$34.8M25.2%0.00%vs
North Western Employees Credit UnionCredit union Council Bluffs, IA94 out of 100, Very strong$10.4M21.4%0.00%vs
American Interstate BankBank Elkhorn, NE93 out of 100, Very strong$132.0M20.1%0.00%vs
Neighborhood Community Federal Credit UnionCredit union Omaha, NE92 out of 100, Very strong$31.0M14.2%0.17%vs
Omaha Firefighters Credit UnionCredit union Omaha, NE92 out of 100, Very strong$76.0M17.5%0.04%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs