Lenders › First National Bank of Omaha
7(a) lenderOmaha, NebraskaFDIC-insured bank143rd of 2,184 by approvals
First National Bank of Omaha
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
First National Bank of Omaha (Omaha, Nebraska) is an FDIC-insured bank in the SBA 7(a) program, 143rd of 2,184 by approvals in FY2021 to FY2025: 262 loans worth $87.1M.
In FY2025, the latest complete fiscal year, it had 23 approvals totalling $6.8M, down 38% on FY2024 (37). FY2026 to 30 Jun 2026 adds 8 more.
The median approval was $201K, against $190K for the 7(a) program as a whole; 39.3% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 11 states and territories and 46 counties, led by Colorado (27.5%), Nebraska (27.1%) and Missouri (14.1%). The largest industry group was accommodation and food services at 16.0% of approvals, and 17.2% of approvals were to franchise businesses.
Of 996 disbursed loans approved in FY2010 to FY2021, SBA records 43 as charged off (4.3%), 865 as paid in full and 88 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 8 | $4.2M | $474K | $520K | 124 |
| FY2025 | 23 | $6.8M | $275K | $297K | 254 |
| FY2024 | 37 | $16.1M | $337K | $436K | 427 |
| FY2023 | 59 | $15.7M | $192K | $267K | 724 |
| FY2022 | 71 | $23.6M | $200K | $332K | 1,177 |
| FY2021 | 72 | $24.8M | $197K | $345K | 1,220 |
| FY2020 | 73 | $22.7M | $150K | $310K | 918 |
| FY2019 | 93 | $34.7M | $194K | $373K | 1,428 |
| FY2018 | 84 | $35.5M | $234K | $422K | 1,230 |
| FY2017 | 117 | $29.3M | $133K | $251K | 1,551 |
| FY2016 | 91 | $32.1M | $140K | $352K | 1,167 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 458 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Colorado | 7(a) program |
|---|---|---|---|
| Approvals in these years | 1,106 | 15,975 | 639,905 |
| Cancelled or never disbursed | 110 | 1,999 | 79,313 |
| Disbursed loans | 996 | 13,976 | 560,592 |
| Paid in full | 865 | 10,957 | 435,813 |
| Charged off | 43 | 792 | 36,891 |
| Still outstanding (status exempt from disclosure) | 88 | 2,227 | 87,888 |
| Charged off, share of disbursed loans | 4.3% | 5.7% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.4% | 1.8% | 2.5% |
| Dollars charged off | $7.2M | $120M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 63 | 35 | 0 | 0.0% | 2.8% |
| FY2020 | 54 | 37 | 2 | 3.7% | 4.0% |
| FY2019 | 85 | 66 | 3 | 3.5% | 6.7% |
| FY2018 | 80 | 66 | 3 | 3.8% | 7.9% |
| FY2017 | 109 | 100 | 3 | 2.8% | 7.7% |
| FY2016 | 83 | 70 | 4 | 4.8% | 7.2% |
| FY2015 | 89 | 85 | 4 | 4.5% | 6.9% |
| FY2014 | 90 | 85 | 3 | 3.3% | 6.4% |
| FY2013 | 79 | 74 | 5 | 6.3% | 6.0% |
| FY2012 | 73 | 67 | 6 | 8.2% | 6.3% |
| FY2011 | 85 | 83 | 2 | 2.4% | 6.9% |
| FY2010 | 106 | 97 | 8 | 7.5% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $201K | $190K |
| Average approval | $333K | $518K |
| Approvals of $150,000 or less | 39.3% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 50.0% | 34.3% |
| Approvals to franchise businesses | 17.2% | 11.5% |
| Jobs supported per approval, as reported | 14.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 4.3% | 6.6% |
States served
| # | State of the business (11 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Colorado | 72 | $24.2M | 27.5% | |
| 2 | Nebraska | 71 | $22.0M | 27.1% | |
| 3 | Missouri | 37 | $14.2M | 14.1% | |
| 4 | Kansas | 35 | $11.0M | 13.4% | |
| 5 | Illinois | 19 | $7.3M | 7.3% | |
| 6 | Texas | 10 | $2.9M | 3.8% | |
| 7 | Wyoming | 7 | $2.0M | 2.7% | |
| 8 | South Dakota | 4 | $910K | 1.5% | |
| 9 | Wisconsin | 3 | $999K | 1.1% | |
| 10 | Florida | 2 | — | 0.8% | |
| 11 | Iowa | 2 | — | 0.8% |
In Colorado the lender accounts for 0.9% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (46 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Johnson County, KS | 33 | $10.5M | 12.6% | |
| 2 | Douglas County, NE | 32 | $9.2M | 12.2% | |
| 3 | Jackson County, MO | 27 | $10.6M | 10.3% | |
| 4 | Larimer County, CO | 25 | $7.5M | 9.5% | |
| 5 | Weld County, CO | 21 | $7.4M | 8.0% | |
| 6 | Sarpy County, NE | 14 | $7.8M | 5.3% | |
| 7 | Boulder County, CO | 8 | $5.2M | 3.1% | |
| 8 | DuPage County, IL | 7 | $1.9M | 2.7% | |
| 9 | Denver County, CO | 6 | $2.2M | 2.3% | |
| 10 | Buffalo County, NE | 6 | $1.6M | 2.3% | |
| 11 | Kane County, IL | 5 | $2.8M | 1.9% | |
| 12 | Denton County, TX | 5 | $1.3M | 1.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 42 | 16.0% | |
| 2 | Retail Trade | 33 | 12.6% | |
| 3 | Construction | 31 | 11.8% | |
| 4 | Health Care and Social Assistance | 31 | 11.8% | |
| 5 | Other Services (except Public Administration) | 27 | 10.3% | |
| 6 | Professional, Scientific, and Technical Services | 21 | 8.0% | |
| 7 | Arts, Entertainment, and Recreation | 18 | 6.9% | |
| 8 | Manufacturing | 17 | 6.5% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 40 | 15.3% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 18 | 6.9% | |
| 3 | Personal Care ServicesNAICS 8121 | 15 | 5.7% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 14 | 5.3% | |
| 5 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 10 | 3.8% | |
| 6 | Child Day Care ServicesNAICS 6244 | 9 | 3.4% | |
| 7 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 9 | 3.4% | |
| 8 | Computer Systems Design and Related ServicesNAICS 5415 | 8 | 3.1% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 7 | 2.7% | |
| 10 | Other Specialty Trade ContractorsNAICS 2389 | 7 | 2.7% |
Approval sizes
- $50,000 or less16.0%42
- $50,001 to $150,00023.3%61
- $150,001 to $350,00029.0%76
- $350,001 to $1 million27.9%73
- $1 million to $2 million3.1%8
- Over $2 million0.8%2
Loan terms
- 5 years or less21.0%55
- Over 5 to 10 years73.7%193
- Over 10 to 20 years3.4%9
- Over 20 years1.9%5
Age of the businesses
- Existing, more than 2 years old36.6%96
- New business, 2 years or less16.0%42
- Startup, loan funds will open the business34.0%89
- Change of ownership13.4%35
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 162 | 61.8% | |
| 2 | SBA Express Program | 90 | 34.4% | |
| 3 | 7a General | 6 | 2.3% | |
| 4 | Working Capital CAPLine | 3 | 1.1% | |
| 5 | 7a with EWCP | 1 | 0.4% |
Franchise share
45 of 262 approvals in FY2021–FY2025 (17.2%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Lash and Company | 9 | 3.4% | |
| 2 | Firehouse Subs | 3 | 1.1% | |
| 3 | Ziggi's Coffee | 3 | 1.1% | |
| 4 | BLUSH Boot Camp | 3 | 1.1% | |
| 5 | B & G Milkyway | 3 | 1.1% | |
| 6 | Tea 2 Go | 2 | 0.8% | |
| 7 | Scissors & Scotch | 2 | 0.8% | |
| 8 | Superior Fence & Rail | 2 | 0.8% |
Questions and answers
How many SBA loans does First National Bank of Omaha make?
SBA approved 23 7(a) loans through First National Bank of Omaha in FY2025, worth $6.8M, and 262 over FY2021 to FY2025. That ranks 143rd of 2,184 active 7(a) lenders by number of approvals.
How large are First National Bank of Omaha's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $201K and the average $333K. The program-wide median was $190K.
What is First National Bank of Omaha's charge-off rate?
Of 996 disbursed loans approved in FY2010 to FY2021, SBA records 43 as charged off (4.3%), 865 as paid in full and 88 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does First National Bank of Omaha lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (40); other amusement and recreation industries (18); personal care services (15); offices of other health practitioners (14).
Where does First National Bank of Omaha make SBA loans?
In 11 states and territories. Colorado 72, Nebraska 71, Missouri 37, Kansas 35, Illinois 19. In Colorado it accounts for 0.9% of all 7(a) approvals.
Is First National Bank of Omaha's SBA lending rising?
Approvals in the three latest complete fiscal years total 119, against 216 in the three before: falling (-45%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error