FNBO Receives Fourth Consecutive “Outstanding” CRA Rating
OMAHA, Neb. September 16, 2025 – FNBO has been awarded its fourth consecutive “Outstanding” Community Reinvestment Act rating, a designation that measures areas of lending, investment and service.
This places FNBO in a very small group of banks that have achieved similar standing. Of the banks regulated by the Office of the Comptroller of the Currency (OCC), from 1990-2024, fewer than 2% have received four consecutive Outstanding ratings. These ratings represent 14 years of consistently demonstrating top-performing service to our communities, as measured by our primary regulators.
“This rating is proof of our values in action and how we support the growth and wellbeing of the communities we serve,” said Clark Lauritzen, chairman and president of FNBO. “Earning this distinction four years in a row confirms FNBO’s dedication to community growth is not a one-time effort, but a consistent and enduring part of how we do business.”
Areas assessed in the CRA exam include:
-Lending: Examines how FNBO provides fair, responsible credit and loans to individuals, small businesses and nonprofits across FNBO’s eight-state footprint.
-Investment: Measures how FNBO supports community development through financial commitments that strengthen affordable housing, economic development and nonprofit partnerships.
-Service: Evaluates branch locations and products to serve customers, as well as employees’ volunteer hours, financial literacy education and leadership on nonprofit boards that expand access and opportunity.
This announcement comes a few weeks after FNBO awarded its 2025 Impact Grants, which totaled $1,730,000 to 90 organizations across Nebraska, Iowa, Colorado, Illinois, Kansas, South Dakota, Wyoming and Texas. These grants supported programs dedicated to FNBO’s pillars of giving in the areas of affordable housing, workforce development and financial literacy.
Lauritzen added, “Our efforts help families achieve homeownership, empower entrepreneurs to bring their businesses to life and enable nonprofits to expand their reach and impact. Thank you to all of our team members for their dedication and commitment to our organization and its contributions to the lives of our customers and the communities we serve.”
About FNBO
FNBO (First National Bank of Omaha), a subsidiary of First National of Nebraska, Inc. (FNNI), is one of the largest privately held banks in the US and has been in business for more than 165 years. FNNI and its affiliates have over $32 billion in assets and 4,500 employees. Primary banking offices are located in Nebraska, Colorado, Illinois, Iowa, Kansas, South Dakota, Texas and Wyoming, providing personal and business banking, mortgage, payment solutions, wealth management and more. Founded in 1857, FNBO has maintained its commitment to customers and helping build strong communities. Learn more at FNBO.com and connect on Facebook.