Visbanking Logo
Skip to main content

First National Bank Of Omaha

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q1QoQ +2

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

Quarterly Headline

2024-Q1

Bank #527954 2024-Q1 Vital Signs Score: 83/100 — 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 2.77% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +3
76
Sub-score

Liquidity is stable: brokered 10.5%, loans/deposits 80.9%, cash 4.8% of assets.

Cash / Assets
4.84%
Loans / Deposits
80.86%
Brokered %
10.48%
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
2.35%
No watch items at this period.

Capitalization

StableQoQ +4
73
Sub-score

Capital position is stable: Tier 1 RBC 10.91%, CET1 10.91%, leverage 9.56%.

Tier 1 RBC
10.91%
CET1
10.91%
Leverage
9.56%
No watch items at this period.

Asset Quality

StableQoQ 0
77
Sub-score

Asset quality is stable: Adjusted NPL 0.83%, Texas Ratio 4.5%, NCO YTD 2.77%.

Adjusted NPL
0.83%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
2.77%
30-89 PD
0.78%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.77% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 4.24% of loans, coverage 534.1%, true coverage 380.9%.

ALLL / Loans
4.24%
Coverage
534.1%
True Loss Coverage
380.9%
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