BANK
INSUFFICIENT VOLUME · DIRECTIONAL ONLY
Complaint rate · per 1,000 customersscale 0–10
Sector median 0.48 · Lowest in dataset 0.21
Complaint volume is below the threshold for confident scoring — position against peers shown is directional only.
Methodological confidence: HIGH · n=3,163 complaints over 14 years
Customer ratio
1 in 890
customers filed a federal complaint
Resolved with relief
21%
received monetary or non-monetary relief
Daily volume
0.6
complaints per day · 2011–2025 average
5.2× the rate of WEBSTER BANK, NATIONAL ASSOCIATION (lowest); 2.4× the sector median.
24-month trajectory · monthly complaint rate
Where complaints concentrate · top 3 product categories
Credit cards
0.77/1k
2,157
Money transfers
0.34/1k
968
Checking & savings
0.13/1k
364
5 nearest rates in scored dataset
0.74/1k
0.77/1k
0.99/1k
1.12/1k
1.12/1k
Federal data sources
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU
FIRST NATIONAL BANK OF OMAHA has a significantly above-average complaint rate.
1.12 complaints per 1,000 customers is 3.7× higher than institutions with the best track records. The 3,163 federal complaints on file represent only those consumers who took the step of filing officially — the full picture of dissatisfaction is likely much larger. This institution has also faced formal regulatory enforcement, indicating that problems have been flagged at the agency level as well as by individual customers.
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Review the specific complaint categories below to understand what issues are most common before making a decision about this institution.
Most common words in federal complaints about FIRST NATIONAL BANK OF OMAHA
fnboreportnationalneverbecausepaypaidpaymentslatereporting
Extracted from 1,552 consumer complaint narratives · CFPB database
Complaint Profile
Rate / 1,000 customers1.12/1k
Total complaints (2011–2025)3,163
Year-on-year change+22%worsening
Timely response rate99.2%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate2.28%↑ elevated — loan losses high
Tier 1 capital ratio11.6%✓ adequate buffer
Loan loss reserve ratio3.86%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate8.7%
Denial rate — White applicants18.6%
Denial rate — Black applicants39.3%
Denial rate — Hispanic applicants8.7%
Racial disparity index2.11×↑ disparity above 2.0× — regulatory scrutiny territory
Based on 3,478 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
OCC (Office of the Comptroller)$3MFederal ReserveCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
Dot colour reflects the most recent enforcement record on file at each agency. Each row links to that regulator’s source explainer.
Top Complaint Issues
10%
9%
7%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
✓ No risk flags identified across 21 data sources. This institution has no recorded government bailouts, regulatory enforcement, GSE suspensions, or federal litigation.
Institution Status
Enforcement
Financial Health
Fair Lending
Computed Signals
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›