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First National Bank Of Omaha

IDRSSD: 527954
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2023-Q4QoQ +25

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #527954 2023-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.51% of loans.

What changed this quarter

Compared to Q3 2023:
↑ +25 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +77
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
73
Sub-score

Liquidity is stable: brokered 13.3%, loans/deposits 82.8%, cash 4.7% of assets.

Cash / Assets
4.70%
Loans / Deposits
82.78%
Brokered %
13.28%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.41%
No watch items at this period.

Capitalization

StableQoQ -5
68
Sub-score

Capital position is stable: Tier 1 RBC 10.49%, CET1 10.49%, leverage 9.47%.

Tier 1 RBC
10.49%
CET1
10.49%
Leverage
9.47%
No watch items at this period.

Asset Quality

StableQoQ +77
77
Sub-score

Asset quality is stable: Adjusted NPL 0.81%, Texas Ratio 4.5%, NCO YTD 2.51%.

Adjusted NPL
0.81%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
2.51%
30-89 PD
0.77%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.51% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 4.34% of loans, coverage 561.7%, true coverage 403.9%.

ALLL / Loans
4.34%
Coverage
561.7%
True Loss Coverage
403.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 02:11:34 UTC