First National Bank of Omaha

Headquarters: Omaha, Nebraska
Charter: Bank
Assets: $34.2B
Fed district: Kansas City
Regulator: OCC
Holding company: Lauritzen Corp.

9 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 31, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 31, 2026

How these figures are measured

Call-report figures are for First National Bank of Omaha at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First National Bank of Omaha's published fee schedule; Bank Fee Index medians	Current schedule	Oct 31, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First National Bank of Omaha (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $9.9M in Q2 2026, 31% above the same quarter a year earlier ($7.6M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $15, the middle of its prices
First National Bank of Omaha: $0 to $15
First National Bank of Omaha: $0 to $15
U.S. median: no median
Wire Transfer (Domestic Out)
First National Bank of Omaha: $15
First National Bank of Omaha: $15
U.S. median: no median
Stop Payment
First National Bank of Omaha: No fee
First National Bank of Omaha: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Nebraska, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Nebraska: Banks and credit unions headquartered in Nebraska that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 26% from Q3 2025 to Q2 2026, to $9.9M.

Service-charge income, Q2 2026

$9.9M

$7.8MQ3 2025

$8.9MQ4 2025

$9.4MQ1 2026

$9.9MQ2 2026

Against the median

First National Bank of OmahaMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First National Bank of Omaha · $34.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$25.7B to $42.8B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First National Bank of Omaha(this institution)	Omaha, NE	$34.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ameris Bank	Atlanta, GA	$28.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Arvest Bank	Fayetteville, AR	$28.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Atlantic Union Bank	Richmond City, VA	$38B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Axos Bank	San Diego, CA	$28.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Banc of California	Los Angeles, CA	$34.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank OZK	Little Rock, AR	$41.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BankUnited, National Association	Miami Lakes, FL	$34.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
City National Bank of Florida	Miami, FL	$29.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Commerce Bank	Kansas City, MO	$35B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Customers Bank	Malvern, PA	$26.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Eastern Bank	Boston, MA	$31.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Interstate Bank	Billings, MT	$25.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fulton Bank, National Association	Lancaster, PA	$32.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Glacier Bank	Kalispell, MT	$31.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hancock Whitney Bank	Gulfport, MS	$36.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MidFirst Bank	Oklahoma City, OK	$42.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Provident Bank	Jersey City, NJ	$25.7B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Renasant Bank	Tupelo, MS	$27B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sallie Mae Bank	Salt Lake City, UT	$28.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
TD Bank USA, National Association	Wilmington, DE	$32.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Capital Bank	Dallas, TX	$33.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank	Fairfax, VA	$33.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Community Bank	Greenville, SC	$29B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
WaFd Bank	Seattle, WA	$27.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
WesBanco Bank, Inc.	Wheeling, WV	$27.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4 (36%) above the median of similar-sized banks.

Compared at $15, the middle of its three prices, against a peer median of $11 among 18 publishing peers.

Its three checking prices are $0, $15 and $15.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

First National Bank of Om…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $45 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First National Bank of Omaha (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $9.9M
vs prior quarter: +$527K+5.6%; from Q1 2026
vs a year earlier: +$2.3M+30.5%; from Q2 2025
vs start of range: +$2.9M+41.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First National Bank of Omaha (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$9.9M	+$527K	+5.6%
Q1 2026	$9.4M	+$412K	+4.6%
Q4 2025	$8.9M	+$1.1M	+14.4%
Q3 2025	$7.8M	+$251K	+3.3%
Q2 2025	$7.6M	+$510K	+7.2%
Q1 2025	$7.1M	−$209K	−2.9%
Q4 2024	$7.3M	+$291K	+4.2%
Q3 2024	$7.0M	+$97K	+1.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First National Bank of Omaha’s own schedules, with a source for each figure.

Account Maintenance

2 monthly fee if the minimum daily balance drops below in your Checking and/or related deposit accounts$15
per month
Monthly Maintenance FeeNo charge
per month
Monthly Service Fee for average daily balances less than in your Checking and/or related deposit accounts$15
per month
Dormant AccountNo charge
Statement ReconciliationNo charge

ATM & Card

Debit Card ReplacementNo charge

Wire Transfers

Wire Transfers Outgoing Domestic$15

Check Services

Cashier’s ChecksNo charge
Stop PaymentsNo charge
Foreign Check Item ProcessingNo charge
Photocopy of ChecksNo charge

Fee	Amount	Basis	Note
Account Maintenance
2 monthly fee if the minimum daily balance drops below in your Checking and/or related deposit accounts	$15	per month	None
Monthly Maintenance Fee	No charge	per month	None
Monthly Service Fee for average daily balances less than in your Checking and/or related deposit accounts	$15	per month	None
Dormant Account	No charge	Not stated	None
Statement Reconciliation	No charge	Not stated	None
ATM & Card
Debit Card Replacement	No charge	Not stated	None
Wire Transfers
Wire Transfers Outgoing Domestic	$15	Not stated	None
Check Services
Cashier’s Checks	No charge	Not stated	None
Stop Payments	No charge	Not stated	None
Foreign Check Item Processing	No charge	Not stated	None
Photocopy of Checks	No charge	Not stated	None

Correct a fee source

Oct 31, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where First National Bank of Omaha operates, and what regulators and customers have on file.

Market position

In Omaha, NE-IA, First National Bank of Omaha holds 35.3% of bank deposits, #1 of 77, with 29 offices.

Compare fees with the 82 Kansas City, MO-KS banks and credit unions in its home-metro peer set →

The fee comparison uses its home metro, Kansas City, MO-KS.

Offices in the metro

409 offices of 109 institutions shown.

First National Bank of OmahaOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Omaha, NE-IA metro (FDIC metro code 36540), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 8 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1First National Bank of Omaha35.3%
2Wells Fargo Bank, National Association7.8%
3Associated Bank, National Association7.7%
4U.S. Bank National Association7.3%
5Pinnacle Bank6.0%
6Security National Bank of Omaha3.0%
7First Interstate Bank2.4%
8Access Bank2.1%

8 of 77 institutions shown. $42.7B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Omaha, NE-IA metro (FDIC metro code 36540)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 35.3% share, 29 offices, #1 of 77

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Omaha, NE-IA metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

100 offices of 34 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Consumer complaints

526 complaints to the CFPB so far in 2026

Credit card
Credit card or prepaid card
Credit reporting or other personal consumer reports
Checking or savings account
Other

Top issues, 2026 to date

Incorrect information on your report	83
Problem with a purchase shown on your statement	62
Other features, terms, or problems	47
Getting a credit card	35
Problem with a company's investigation into an existing problem	34
Improper use of your report	31

Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.

Fee change alerts

Get an email when First National Bank of Omaha's safe deposit box changes in our data

We check once a day and send one email covering every change.