BlastPoint's Banking Scorecard
First Horizon Bank
Memphis, TN
420 branches across TN · NC · FL · LA · AL · GA · AR · SC · VA · TX · MS · NY
First Horizon Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Delinquency Rate 0.05% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16.7% in tier
- - Capital Thin: Bottom 32.3% in tier
- - Net Interest Margin 0.24% below tier average
- - Efficiency Ratio 0.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.8B
+3.2% YoY
+0.3% QoQ
|
+$36.5B |
$47.4B
-2.0% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.0% YoY
|
84% |
| Total Loans ? |
$64.2B
+3.7% YoY
+0.6% QoQ
|
+$34.6B |
$29.6B
-0.4% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.7% YoY
|
Top 8.9% in tier |
| Total Deposits ? |
$67.2B
+3.1% YoY
-1.3% QoQ
|
+$28.5B |
$38.7B
-1.6% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.0% YoY
|
84% |
| Return on Assets ? |
1.40%
+14.0% YoY
+3.8% QoQ
|
+0.11% |
1.28%
+19.3% YoY
|
1.12%
+20.1% YoY
|
1.24%
+13.1% YoY
|
69% |
| Net Interest Margin ? |
3.53%
+2.8% YoY
-0.3% QoQ
|
-0.24% |
3.77%
+5.6% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
54.22%
-0.9% YoY
-3.5% QoQ
|
+0.32% |
53.90%
-4.0% YoY
|
66.13%
-5.5% YoY
|
66.84%
-3.8% YoY
|
57% |
| Delinquency Rate ? |
0.97%
-3.9% YoY
-0.7% QoQ
|
-0.05% |
1.02%
-4.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
95.55%
+0.6% YoY
+1.9% QoQ
|
+14.67% |
80.88%
+2.0% YoY
|
79.84%
+2.1% YoY
|
76.69%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
24.74%
-4.1% YoY
+2.5% QoQ
|
+4.92% |
19.82%
+0.3% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.1% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.74%
-3.5% YoY
-0.5% QoQ
|
+0.02% |
0.73%
+4.0% YoY
|
0.56%
+16.1% YoY
|
0.66%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
11.70%
-0.6% YoY
+2.8% QoQ
|
-3.86% |
15.56%
-0.1% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.23%
+3.2% YoY
-75.3% QoQ
|
+0.00% |
0.23%
+0.9% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.0% YoY
|
72% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.