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
CFPB↗OCC↗FDIC↗FTC↗Independent analysis · not affiliated with any government agencyWHAT 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 customersCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.1.12/1k
Total complaints (2011–2025)Total complaints filed with the CFPB since 2011. Use the rate above for a fair cross-institution comparison.3,163
Year-on-year changeChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.+22%worsening
Timely response rate% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.99.2%
Complaint rate normalised per 1,000 estimated customers. Lower is better. National median ≈ 0.30/1k for well-rated institutions.
Regulatory Enforcement Record
OCC (Office of the Comptroller)$3M
Federal Reserve
CFPB (Consumer Financial)
FinCEN (Anti-money laundering)
FTC (Federal Trade Commission)
HUD (Mortgage Review Board)
GSE Suspension
● Red dot = active or recent enforcement action by that federal agency. This means regulators found systemic problems serious enough to take formal action.
Financial Health Indicators
Net charge-off rateLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.2.28%↑ elevated — loan losses high
Tier 1 capital ratioCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher means a stronger buffer against losses and financial stress.11.6%✓ adequate buffer
Loan loss reserve ratioFunds set aside to cover anticipated loan losses. Higher reserves suggest the institution expects deteriorating credit quality ahead.3.86%
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 rateOverall mortgage application denial rate. Includes home purchase, refinance, and home improvement loans. Source: FFIEC HMDA data.8.7%
Denial rate — White applicants18.6%
Denial rate — Black applicants39.3%
Denial rate — Hispanic applicants8.7%
Racial disparity indexBlack applicant denial rate divided by White applicant denial rate. 1.0 = equal treatment. Above 1.5 = significant disparity flagged in fair lending research. Source: FFIEC HMDA.2.11×↑ disparity above 2.0× — regulatory scrutiny territory
Based on 3,478 mortgage applications· FFIEC HMDA 2023
Top Complaint Categories
1020%
900%
690%
Breakdown of complaint types filed with the CFPB by customers of this institution. Use this to understand which products or services generate the most problems.
Timely response rate99.2%✓ good
% of CFPB complaints answered within the required timeframe. Below 90% is a warning sign.
Risk Flags
Data Sources Used (23 Layers)
●CFPB Complaints
●OCC Enforcement
●Fed Enforcement
●CFPB Enforcement
●FinCEN / AML
●FDIC Failures
●HMDA Denial Rates
●CRA Rating
●TARP Bailout
●Call Report (NCO/T1)
●DFAST Stress Test
●FTC Enforcement
●HUD MRB
●GSE Suspension
Green = data available for this institution. Grey = source exists but no data for this institution in that category.
FULL DATA BREAKDOWN
COMPLAINT RATECFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.
1.12/1k
National median ≈ 0.30/1k
Source: CFPB →ⓘHigh confidence
YEAR-ON-YEAR TRENDChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.
↑ 22%
Worsening trend
NET CHARGE-OFF RATELoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.
2.28%
Loan losses written off
Source: FDIC Call Report →TIER 1 CAPITAL RATIOCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher = stronger buffer against financial stress.
11.6%
Regulatory min ≈ 10%
Source: FDIC Call Report →HMDA DENIAL RATE% of mortgage applications denied under Home Mortgage Disclosure Act data. High denial rates may indicate overly restrictive lending practices.
8.7%
Mortgage applications denied
Source: FFIEC HMDA →RACIAL DISPARITY INDEXRatio of denial rates for non-white vs white applicants. 1.0 = equal treatment; above 1.5 indicates significant disparity. Source: CFPB HMDA data.
2.11×
Non-white vs white denial ratio
Source: FFIEC HMDA →CRA RATING
Outstanding
Community Reinvestment Act · FFIEC
BETTER-RATED ALTERNATIVES
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Read the guide →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 ›