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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 — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q2QoQ -1

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

Quarterly Headline

2024-Q2

Bank #527954 2024-Q2 Vital Signs Score: 82/100 — 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 2.79% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -2
74
Sub-score

Liquidity is stable: brokered 10.3%, loans/deposits 84.2%, cash 4.7% of assets.

Cash / Assets
4.68%
Loans / Deposits
84.22%
Brokered %
10.29%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.22%
No watch items at this period.

Capitalization

StableQoQ 0
73
Sub-score

Capital position is stable: Tier 1 RBC 11.35%, CET1 11.35%, leverage 10.05%.

Tier 1 RBC
11.35%
CET1
11.35%
Leverage
10.05%
No watch items at this period.

Asset Quality

StableQoQ 0
77
Sub-score

Asset quality is stable: Adjusted NPL 0.79%, Texas Ratio 4.3%, NCO YTD 2.79%.

Adjusted NPL
0.79%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
2.79%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.79% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 4.08% of loans, coverage 536.0%, true coverage 374.8%.

ALLL / Loans
4.08%
Coverage
536.0%
True Loss Coverage
374.8%
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